Cookie Policy
Learn how we use cookies and similar technologies to enhance your experience.
What Are Cookies?
Cookies are small text files that are stored on your device (computer, tablet, or mobile) when you visit a website. They help websites remember information about your visit, such as your preferred language, login status, and other settings that can make your next visit easier and the site more useful to you.
This Cookie Policy explains how Calculate.cam ("we," "us," or "our") uses cookies and similar tracking technologies on our website and services, and how you can control these technologies.
At Calculate.cam, we are committed to transparency about our data practices and respect your privacy choices. This policy is designed to help you understand what cookies we use, why we use them, and how you can manage your preferences to control your online experience.
We comply with applicable privacy laws including the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and other regional privacy regulations to ensure your personal information is protected and your rights are respected.
Why We Use Cookies
We use cookies and similar technologies for several important purposes that enhance your experience with our mortgage calculators and financial tools:
Essential Functionality
Enable core website features, remember your calculator inputs, maintain session security, and ensure our mortgage calculators work properly across different devices and browsers.
Performance Optimization
Monitor website performance, identify technical issues, optimize loading times for our calculators, and ensure reliable access to our financial tools.
User Experience
Remember your preferences, save calculator settings, provide personalized content, and improve the overall usability of our mortgage and financial planning tools.
Analytics & Insights
Understand how visitors use our calculators, identify popular tools, measure engagement, and continuously improve our services based on user behavior and feedback.
Cookie Consent and Your Choices
Your Control
We respect your privacy choices. You can accept, reject, or customize your cookie preferences through our cookie consent banner or by adjusting your browser settings.
- Essential Cookies: Required for basic website functionality (cannot be disabled)
- Analytics Cookies: Help us understand how visitors use our site (optional)
- Marketing Cookies: Used for advertising and marketing purposes (optional)
- Preference Cookies: Remember your settings and preferences (optional)
Types of Cookies We Use
Essential Cookies (Required)
These cookies are necessary for the website to function properly and cannot be disabled. They are usually set in response to actions you take, such as setting privacy preferences or filling in forms.
Examples:
- • Session management and security
- • Cookie consent preferences
- • Calculator state preservation
- • Load balancing and performance
- • Fraud prevention and security
Legal Basis: Legitimate interest (essential for service provision)
Analytics Cookies (Optional)
These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. This helps us improve our services and user experience.
What We Track:
- • Page views and popular content
- • Calculator usage patterns
- • Time spent on pages
- • Traffic sources and referrals
- • Device and browser information
- • General location (country/region)
Third-Party Services:
- • Google Analytics (anonymized IP)
- • Google Tag Manager
- • Performance monitoring tools
Legal Basis: Consent (you can opt-out anytime)
Marketing Cookies (Optional)
These cookies are used to deliver relevant advertisements and marketing content. They may be set by us or third-party advertising partners.
Purpose:
- • Personalized advertising
- • Retargeting campaigns
- • Social media integration
- • Marketing effectiveness measurement
- • Cross-device tracking (with consent)
Legal Basis: Consent (you can opt-out anytime)
Preference Cookies (Optional)
These cookies remember your preferences and settings to provide a more personalized experience.
What We Remember:
- • Language and region preferences
- • Calculator default values
- • Display preferences and themes
- • Accessibility settings
- • Previously used calculators
Legal Basis: Legitimate interest / Consent
Third-Party Cookies and Services
We may use third-party services that set their own cookies. These services have their own privacy policies and cookie practices:
Google Services
- • Google Analytics
- • Google Tag Manager
- • Google Ads (if applicable)
- • reCAPTCHA (if applicable)
Other Services
- • Content Delivery Networks (CDN)
- • Security and fraud prevention
- • Performance monitoring
- • Social media plugins
Cookie Duration and Retention
Cookies have different lifespans depending on their purpose:
| Cookie Type | Duration | Description |
|---|---|---|
| Session Cookies | Until browser closes | Temporary cookies for current session |
| Persistent Cookies | 30 days - 2 years | Stored until expiration or deletion |
| Analytics Cookies | 26 months | Google Analytics standard retention |
| Preference Cookies | 1 year | Remember your settings and preferences |
How to Manage Your Cookie Preferences
Cookie Consent Banner
When you first visit our website, you'll see a cookie consent banner where you can:
- Accept all cookies
- Reject non-essential cookies
- Customize your cookie preferences by category
- Learn more about each cookie type
Browser Settings
You can also manage cookies through your browser settings:
Popular Browsers
What You Can Do
- • Block all cookies
- • Block third-party cookies only
- • Delete existing cookies
- • Set cookie expiration preferences
Note: Blocking or deleting cookies may affect website functionality. Some features may not work properly without certain cookies.
Your Privacy Rights (GDPR/CCPA/UK-GDPR)
European Union & UK Residents (GDPR/UK-GDPR)
- Right to Consent: You can withdraw cookie consent at any time
- Right to Access: Request information about cookies and data collected
- Right to Deletion: Request deletion of data collected through cookies
- Right to Object: Object to processing based on legitimate interests
- Right to Data Portability: Request transfer of your data
California Residents (CCPA)
- Right to Know: Information about data collection through cookies
- Right to Delete: Request deletion of personal information
- Right to Opt-Out: Opt-out of sale of personal information
- Right to Non-Discrimination: Equal service regardless of privacy choices
Do Not Track Signals
Some browsers include a "Do Not Track" feature that sends a signal to websites you visit indicating you do not wish to be tracked. Currently, there is no standard for how websites should respond to these signals.
We respect your privacy choices and provide clear cookie consent options regardless of Do Not Track settings. You can always manage your cookie preferences through our consent banner or browser settings.
Updates to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on this page with a new "Last updated" date.
For significant changes, we may provide additional notice through our website or email (if you have provided your email address).
Contact Us About Cookies
If you have questions about our use of cookies or this Cookie Policy, please contact us:
Privacy Inquiries: privacy@calculate.cam
General Contact: Contact Form
Data Protection Officer: dpo@calculate.cam
Response Time: We aim to respond within 48 hours