Cookie Policy

Quick summary

Calcs.finance uses browser storage for three practical reasons: to make requested product features work, to remember choices such as currency or saved scenarios, and to measure or fund the free site through analytics and advertising where enabled. Calculator inputs, outputs, saved scenarios, notes, balances, income values, calculator usage details, account state, and local scenario data are not used for ad targeting.

Strictly necessary storage

Security, routing, consent records, authentication callback state, service worker cache, and requested product features can need cookies, local storage, session storage, or cache storage. Blocking this storage can break sign-in, saved scenarios, calculator drafts, currency preference, privacy choices, cached pages, or issue reports.

Optional analytics and advertising

Google Analytics, Vercel Web Analytics, Google AdSense, and Google Privacy & Messaging can use tags, identifiers, cookies, or similar technologies where configured and allowed by consent or privacy choice rules. Google Analytics pageview payloads are limited to route path metadata.

Policy owner review

This policy should be reviewed whenever analytics, advertising, CMP, authentication, saved-scenario, report, cache, or provider settings change. It describes the app source and intended production configuration; account-level provider settings still need policy-owner verification.

• Privacy PolicyRead the broader privacy policy for data categories, providers, retention, rights, and the advertising data firewall.
• Terms of UseRead the ground rules for calculators, saved scenarios, accounts, issue reports, ads, and educational content.
• Estimate disclaimerRead why calculators are educational estimates, not advice, quotes, approvals, or guarantees.

What cookies and similar technologies are

A cookie is a small browser file. Local storage, session storage, cache storage, pixels, tags, SDK identifiers, and similar technologies can also store information on a device or read information from it. Some storage is needed to provide a service you request; other storage, especially analytics and advertising storage, can require consent or opt-out choices depending on your location.

• ICO cookies and similar technologiesUK regulator guidance explaining cookies, similar technologies, consent, and strictly necessary exemptions.
• ICO consent guidanceUK regulator guidance on consent, withdrawal, and clear positive action.

First-party product storage

First-party storage is set or read by Calcs.finance in your browser or by app code running on Calcs.finance. Lifetimes can change when features are refactored, but the current product categories are listed below.

Currency preference

The `calcs.finance.currency` browser cookie and local storage value remember the currency symbol or region display you selected. The cookie is first-party, lasts up to one year, and is used for interface preference only.

Calculator drafts and restore state

Calculator pages can use local storage keys for unsaved drafts, restore state, and demo inputs so you can return to recent work on the same device. These records stay on your device until replaced, deleted by the app, or cleared in browser storage.

Saved scenarios

Local scenarios are stored under `financial-calculator.anonymous-scenarios` and can include scenario names, notes, inputs, outputs, assumptions, formula version, timestamps, and calculator type. Local-only scenarios remain on your device until you delete them or clear browser storage.

Favourites and calculator usage

`financial-calculator.favorite-calculators` remembers favourited calculators. `calcs.finance.calculator-usage` supports recent or frequently used calculator navigation. These records are local product convenience data, not ad targeting data.

Service worker and cache storage

The site can register a service worker that caches app shell and static assets for performance and limited offline support. API, authentication, and scenario routes are excluded from the service worker cache.

Issue reports

When you submit an in-product calculator report, the report can include the current URL, calculator values, output, formula version, dataset version, browser diagnostics, viewport, timestamp, and your summary. This is support data, not ad targeting data.

• Saved scenariosOpen the scenario workspace and manage saved calculator work.
• How scenarios workLearn what saved scenarios store, what they are for, and how to delete them.
• Before trusting a resultReview assumptions, stale values, source limits, and situations where independent checking matters.

Authentication and account storage

Authentication storage is used only where account, anonymous save, or sign-in features are enabled. These records are needed to maintain requested account or anonymous product state and should not be used for advertising audiences.

Firebase anonymous authentication

`financial-calculator.firebase-anonymous.local-uid` can keep a local anonymous identifier so browser-only or anonymous features can reconnect to the same local product state where enabled.

Amazon Cognito hosted sign-in

Cognito account features can use local or session storage for session information and PKCE sign-in state, plus a temporary first-party callback cookie during hosted sign-in. These records maintain sign-in and protect the account flow.

Account deletion and sign-out

Signing out, deleting local browser storage, or requesting account deletion can remove or start deletion of account-linked records as described in the Privacy Policy. Some security logs, backups, or legal records can remain for limited periods.

• Account and authentication privacyRead how account-linked scenarios, anonymous identifiers, retention, and deletion requests are handled.
• Deletion and support requestsUse the contact page for account, privacy, legal, support, or correction requests.

Analytics and performance measurement

Analytics helps identify useful pages, broken flows, and navigation patterns. Analytics storage is not used to send calculator input values, outputs, scenario names, notes, user IDs, or account identifiers to ad targeting payloads.

Google Analytics 4

Google Analytics can use first-party cookies and device/browser metadata to measure site interaction where enabled and allowed. Calcs.finance sends pageview metadata as route paths, such as `/calculators/compound-interest`, rather than full URLs with query strings.

Consent-aware analytics

Where consent is required by configuration, the app waits for the consent signal before loading Google Analytics. Consent settings can be updated through available privacy choices.

Vercel Web Analytics

Vercel Web Analytics is loaded in production to measure aggregate traffic. Vercel describes its Web Analytics as cookie-free and based on a short-lived hashed visitor session rather than third-party cookies.

• Google Analytics data controlsGoogle documentation for Analytics cookies, identifiers, PII restrictions, retention controls, and privacy controls.
• Google Analytics opt-out add-onGoogle browser add-on that can disable Google Analytics measurement for supported browsers.
• Vercel Web Analytics privacyVercel documentation for Web Analytics data collection, visitor identification, and compliance notes.

Advertising and consent tools

Calcs.finance is free and may be supported by Google AdSense or other ad vendors where production ads are enabled. Ad storage can be used to serve, personalise where allowed, measure, limit repeated ads, detect fraud, and report aggregate advertising activity.

Google AdSense

AdSense and Google advertising systems can use cookies, local storage, IP address, browser/device metadata, ad interaction data, and related identifiers. Personalised ads are controlled by consent and privacy choices where required.

Google Privacy & Messaging or certified CMP

When production ads are configured for consent-required regions, the app is designed to load ads only when the required production publisher ID, ads-enabled flag, consent-required setting, and CMP-enabled setting are present. A policy owner should verify the active CMP and vendor configuration before ad changes go live.

US privacy choices

For locations where targeted advertising can be treated as sale, sharing, or targeted advertising, available privacy-choice controls, browser or platform signals where supported, and contact requests are the relevant opt-out paths.

• Google EU User Consent PolicyGoogle policy for disclosures and consent for cookies, local storage, and personalised ads in the EEA, UK, and Switzerland.
• Google certified CMP requirementsGoogle AdSense publisher guidance for certified CMP and TCF requirements in the EEA, UK, and Switzerland.
• Google AdSense required contentGoogle guidance on required privacy disclosures for advertising cookies and personalised advertising opt-out paths.
• Google advertising cookiesGoogle explanation of advertising cookies, ad measurement, fraud prevention, and ad controls.
• Google Ads SettingsManage personalised advertising settings for your Google account and browser where available.

Advertising data firewall

The advertising data firewall is a product rule and a privacy commitment. Calculator and scenario data stays out of ad targeting, remarketing, lookalike audiences, custom ad segments, and personalised advertising profiles.

• Do not use calculator inputs, outputs, saved scenarios, scenario notes, debts, income, balances, favourites, calculator usage details, account state, authentication identifiers, or local scenario data for ad targeting.
• Do not send calculator field names, values, outputs, scenario names, notes, saved-scenario records, account identifiers, or user IDs to analytics or advertising payload helpers.
• Keep analytics and ad payloads limited to page and navigation metadata needed to operate, measure, fund, and secure the site.

• Editorial PolicyRead how advertising is separated from editorial work, calculator formulas, page rankings, and content review.
• MethodologyRead how formula assumptions, validation, source requirements, and corrections are handled.

Managing storage and privacy choices

Use the Privacy choices control in the footer to reopen available consent or opt-out controls. You can also manage Google personalised ads, use the Google Analytics opt-out add-on where supported, or clear cookies, local storage, session storage, and cache storage through your browser settings.

What happens when storage is blocked

Blocking optional analytics or advertising storage should not stop calculators from running. Blocking strictly necessary or first-party product storage can break sign-in, saved scenarios, calculator drafts, currency preference, privacy choices, cached pages, and issue-report workflows.

Clearing local product data

Deleting browser storage can remove local-only scenarios, drafts, favourites, usage history, currency preference, service worker caches, and sign-in state on that device. Account-linked data may also require sign-out, in-product deletion, or a deletion request.

Consent changes

If available privacy choices do not reopen, check browser popup/content blocking, third-party storage restrictions, or contact Calcs.finance so the issue can be reviewed. Browser settings and platform controls can also affect what consent or ad-choice tools can do.

• Contact Calcs.financeReport a privacy-choice, consent, storage, or support issue.
• AboutAds choicesConsumer opt-out tool for participating advertising companies.
• Your Online ChoicesEuropean advertising choice information and opt-out resources for participating companies.

How this policy is kept current

This policy is reviewed when the production app changes storage names, consent tooling, analytics providers, advertising providers, authentication flows, service worker caching, saved-scenario behavior, issue-report payloads, or applicable legal requirements. If this page and an in-product consent message differ, the more specific in-product choice shown to you controls that consent interaction.

• Privacy PolicyRead the detailed privacy, retention, provider, rights, and ad-data-firewall terms.
• Correction requestsReport stale, incomplete, or confusing cookie and storage disclosures.

Educational estimate boundary

This Cookie Policy explains storage and privacy-choice behavior. It does not change the educational nature of Calcs.finance calculators. Calculator outputs, examples, guides, and formula notes remain estimates and are not financial, tax, legal, lending, investment, pension, insurance, accounting, or regulated advice.

• DisclaimerRead the detailed limits of calculator estimates, examples, advertisements, and educational content.
• Why results are estimatesLearn why calculator outputs need source checks, assumption checks, and professional review for important decisions.