Privacy Policy

Introduction

Calculate.cam ("we," "our," or "us") is committed to protecting your privacy and ensuring transparency about how we collect, use, and protect your personal information. This Privacy Policy explains our practices regarding the collection, use, and disclosure of information when you use our mortgage calculator platform and related services.

This policy complies with the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), UK General Data Protection Regulation (UK-GDPR), and other applicable privacy laws.

Information We Collect

Information You Provide Directly

• Calculator inputs (loan amounts, interest rates, property values) - stored locally in your browser
• Contact information when you reach out to us (name, email address, message content)
• Feedback and survey responses when voluntarily provided
• Account information if you choose to create an account (optional)

Information Collected Automatically

• Usage data (pages visited, time spent, calculator usage patterns)
• Device information (browser type, operating system, screen resolution)
• IP address and general location information (country/region level)
• Cookies and similar tracking technologies (with your consent)
• Referral source and navigation patterns

Information We Do NOT Collect

• Social Security Numbers or other government identification numbers
• Bank account numbers or financial account information
• Credit card or payment information (our service is free)
• Precise geolocation data
• Biometric data or health information

How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To provide and maintain our calculator services
• User Experience: To improve and personalize your experience
• Communication: To respond to your inquiries and provide customer support
• Analytics: To understand usage patterns and improve our services
• Legal Compliance: To comply with applicable laws and regulations
• Security: To protect against fraud, abuse, and security threats
• Marketing: To send relevant updates (only with your consent)

Legal Basis for Processing (GDPR/UK-GDPR)

Under GDPR and UK-GDPR, we process your personal data based on the following legal grounds:

• Legitimate Interest: To provide and improve our calculator services
• Consent: For cookies, marketing communications, and optional features
• Contract Performance: To fulfill our terms of service
• Legal Obligation: To comply with applicable laws and regulations

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share information in the following limited circumstances:

• Service Providers: With trusted third-party service providers who assist in operating our website
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Consent: When you have given explicit consent for sharing
• Protection: To protect our rights, property, or safety, or that of our users

Data Retention

We retain personal information only as long as necessary for the purposes outlined in this policy:

• Calculator Data: Stored locally in your browser; cleared when you clear browser data
• Usage Analytics: Aggregated data retained for up to 26 months
• Contact Information: Retained for 3 years after last contact
• Legal Requirements: Retained as required by applicable laws

Your Privacy Rights

GDPR/UK-GDPR Rights (EU/UK Residents)

• Right to Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your personal data
• Right to Restrict Processing: Request limitation of data processing
• Right to Data Portability: Request transfer of your data
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time

CCPA Rights (California Residents)

• Right to Know: Request information about data collection and use
• Right to Delete: Request deletion of personal information
• Right to Opt-Out: Opt-out of the sale of personal information (we don't sell data)
• Right to Non-Discrimination: Equal service regardless of privacy choices

To exercise your rights, please contact us at privacy@calculate.cam. We will respond within 30 days (GDPR/UK-GDPR) or 45 days (CCPA).

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. For detailed information, please see our Cookie Policy.

You can manage cookie preferences through our consent banner or your browser settings.

International Data Transfers

Our services are hosted in the United States. If you are accessing our services from outside the US, your information may be transferred to, stored, and processed in the US. We ensure appropriate safeguards are in place for international transfers, including:

• Standard Contractual Clauses (SCCs) for EU/UK transfers
• Adequacy decisions where applicable
• Other appropriate safeguards as required by law

Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• SSL/TLS encryption for data transmission
• Regular security assessments and updates
• Access controls and authentication measures
• Data minimization and pseudonymization where possible
• Incident response and breach notification procedures

Children's Privacy

Our services are not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If you believe we have collected information from a child under 16, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. For significant changes, we may provide additional notice through email or prominent website notice.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Supervisory Authority

If you are in the EU or UK and believe we have not adequately addressed your privacy concerns, you have the right to lodge a complaint with your local data protection authority.