This Privacy Policy explains what information SmartMoneyCalcs (“we,” “us”) collects, how we use it, and the rights you have.
Information we collect
Automatically
- IP address
- Browser type and version
- Device information
- Pages visited and time spent
- Referring website
Provided by you
- Information you submit through our contact form (name, email, message)
- Cookies (see Cookies below)
How we use your information
- To provide and improve our calculation tools and content.
- To analyze site traffic and user behavior (in aggregate).
- To respond to feedback when we are able to.
- To prevent fraud and ensure security.
Information sharing
We do not sell, trade, or rent your personal information. We may share information with:
- Google Analytics — traffic analysis (anonymized where possible).
- Google AdSense — advertising (when enabled).
- Service providers — that help us operate this site (hosting, email).
- Legal authorities — when required by law.
Cookies
We use cookies in three categories:
- Necessary — session, security, and CSRF protection. Always on, because the site cannot run without them.
- Analytics — Google Analytics (optional). Off by default; turned on only if you accept.
- Advertising — Google AdSense (optional). Off by default; turned on only if you accept. With it off, you will still see ads, but generic ones.
On your first visit, a cookie banner asks for your choice. You can change your selection at any time from the Cookie Settings link in the footer. We also implement Google Consent Mode v2, which means analytics and advertising stay denied until you opt in.
You can also disable cookies in your browser settings, but some features may not work properly.
GDPR rights (EU users)
You have the right to:
- Access your personal data
- Correct inaccurate data
- Request deletion of your data
- Object to processing
- Data portability
- Lodge a complaint with a supervisory authority
Contact us via the Contact page to exercise these rights.
CCPA rights (California users)
- Know what personal information is collected.
- Know whether your personal information is sold or disclosed and to whom.
- Say no to the sale of personal information.
- Access your personal information.
- Equal service and price, even if you exercise your privacy rights.
Children's privacy (COPPA)
This website is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us so we can delete it.
Data retention
- Contact form submissions: 6 months
- Analytics data: 26 months (Google Analytics default)
- Server logs: 90 days
Security
We implement reasonable security measures including HTTPS, regular updates, and access controls. No method of transmission over the internet is 100% secure.
Changes to this policy
We may update this Privacy Policy. The “Last updated” date at the top reflects the most recent revision.
Contact
Questions about this Privacy Policy? Reach us via our Contact page.