Calcs.finance

Privacy

Privacy Policy

Effective date: 4 June 2026. Last updated: 8 June 2026. This privacy policy explains how Calcs.finance collects, uses, shares, retains, and protects personal information.

Quick summary

Calcs.finance is built so calculator estimates can be used without creating an account. Some features still need storage, diagnostics, consent, security logs, advertising, or analytics to operate the free product.

  • Calculator inputs and results can contain personal financial information if you type it in, so avoid entering bank logins, full account numbers, card numbers, tax IDs, national insurance numbers, social security numbers, passwords, or documents.
  • Saved scenarios may be stored locally on your device or, where account features are available, linked to your account.
  • If you use the calculator issue-report button, the report includes the calculator values automatically so the problem can be investigated.
  • Calculator inputs, outputs, saved scenarios, notes, balances, income, favourites, usage details, account state, authentication identifiers, and local scenario data are not used for ad targeting, remarketing, lookalike audiences, or custom ad segments.
  • Google Analytics pageview payloads are limited to route path metadata. Query strings, calculator field values, outputs, scenario names, notes, and account identifiers are not intentionally sent in analytics or advertising payloads.
  • Contact and privacy requestsUse the contact page for privacy rights requests, deletion requests, correction requests, and calculator issue reports.
  • Cookie PolicyRead how cookies, local storage, consent messages, advertising tags, analytics, and saved scenario storage work.
  • Estimate disclaimerCalculator content is educational and does not replace professional financial, tax, legal, lending, investment, or regulated advice.

Operator and controller

Calcs.finance is operated by Savi Tech Limited, a private limited company established in Scotland, United Kingdom, company number SC810783. For the personal information described in this policy, Savi Tech Limited is the data controller. For privacy enquiries or rights requests, contact david+calcsfinance@techconsultant.dev.

What information we collect

You can use calculators without creating an account. We collect information needed to provide calculators, saved scenarios, account features, issue reporting, analytics, advertising, privacy choices, and site security.

Calculator and scenario data
Calculator inputs, assumptions, outputs, saved scenario names, notes, calculator type, currency, jurisdiction, timestamps, formula version, dataset versions, restore history, and local draft data where you choose to save or restore work.
Contact and issue-report data
Email address, message content, report summary, calculator values included with a report, current URL, browser diagnostics, user agent, viewport size, and response history when you contact us or report a calculator problem.
Account and authentication data
Account identifiers and tokens from Amazon Cognito or Firebase anonymous authentication where account-linked, anonymous save, or feedback features are used.
Device, consent, and security data
Browser, device, IP address, approximate location, referrer, authentication events, consent records, privacy choices, diagnostic information, and security logs.
Analytics and advertising metadata
Page path, navigation metadata, ad request information, cookie identifiers, consent signals, privacy choices, ad interactions, and aggregate measurement data used to operate, measure, and fund the service.

Calculator inputs, saved scenarios, and issue reports

Calculator inputs are user-provided estimate data. They can become personal information if they describe you, your household, your finances, or your plans.

Using a calculator
A calculator can run in the browser without an account. Do not enter sensitive account data such as passwords, full bank account numbers, card numbers, tax IDs, national insurance numbers, social security numbers, or bank login details.
Saving a scenario
Saved scenarios can include names, notes, inputs, outputs, assumptions, calculator type, jurisdiction, formula version, dataset versions, timestamps, and restore history. Local-only scenarios remain on your device until you delete them or clear browser storage.
Reporting a calculator issue
The report dialog tells you that calculator values are included automatically. Reports include the visible calculator values, drafts, outputs, formula version, dataset versions, current URL, browser user agent, viewport size, timestamp, and your short summary.
Sensitive information boundary
Do not send full account records, bank statements, identity documents, passwords, card numbers, tax IDs, national insurance numbers, social security numbers, or bank login details through calculators, notes, reports, or email.
  • Saved scenariosOpen the scenario workspace and manage saved calculator work.
  • Before trusting a resultReview assumptions, formula limits, stale values, and situations where professional advice may be needed.
  • Report an issueUse the contact page if you need to report a calculator issue without sending unnecessary sensitive information.

Why information is used and legal bases

Where UK or EU data protection law applies, the legal basis depends on the feature and context. This policy uses layered descriptions so the purpose, category, retention, and provider information can be read together.

Provide calculators and saved scenarios
Run calculations, restore saved work, compare scenarios, troubleshoot errors, and keep account-linked or device-linked features working. The legal basis is usually contract for requested account features or legitimate interests for basic product operation.
Support, feedback, and corrections
Respond to contact messages, calculator reports, correction requests, privacy rights requests, and deletion requests. The legal basis may be contract, legitimate interests, consent where appropriate, or legal obligation.
Security and abuse prevention
Maintain service reliability, prevent abuse, protect accounts, investigate errors, and keep operational logs. The legal basis is usually legitimate interests or legal obligation.
Analytics, advertising, and consent
Measure page usefulness, show ads, manage consent, limit repeated ads, detect ad fraud, and support the free product. Consent is used where legally required for advertising or analytics cookies and similar technologies.
Legal requests and disputes
Respond to compliance obligations, disputes, rights requests, and public authority requests where legally required.

Cookies, local storage, and privacy choices

Calcs.finance uses cookies, local storage, session storage, pixels, tags, identifiers, and similar technologies for strictly necessary product features, saved scenarios, authentication, analytics, advertising, consent records, and abuse prevention. Advertising and analytics storage is controlled by consent and privacy choice rules where required. You can reopen available consent or opt-out controls with the Privacy choices button in the footer.

  • Cookie PolicyDetailed explanation of cookies, local storage, analytics, advertising tags, consent messages, and saved scenario storage.
  • Google Privacy and MessagingGoogle AdSense documentation for consent and privacy-choice messages.

Third parties

We use service providers to host, authenticate, analyse, advertise, secure, and operate Calcs.finance.

Google AdSense and Google Privacy and Messaging
Advertising, ad measurement, fraud prevention, consent messages, privacy choices, and ad-related reporting.
Google Analytics
Page and navigation measurement where enabled and allowed by environment and consent settings.
Firebase
Web app configuration, anonymous authentication, and related product infrastructure.
Amazon Cognito and AWS services
Account authentication, backend APIs, saved data, logs, diagnostics, and operational infrastructure.
Vercel
Web hosting, deployment, performance measurement, and web analytics.
Email, support, monitoring, security, and hosting providers
Operational providers used to respond to requests, monitor errors, protect the product, and keep the service available.

Advertising

Calcs.finance is free and supported by advertising. Third-party vendors, including Google, use cookies and similar technologies to serve ads based on prior visits to this and other websites, personalise ads where allowed, measure performance, limit repeated ads, detect fraud, and report aggregate advertising activity. Where required, this depends on your consent and privacy choices. You can manage Google personalised advertising through Google Ads Settings and use the Privacy choices control in the footer where available.

  • Google Ads SettingsManage personalised advertising settings for your Google account and browser where available.
  • AboutAds choicesConsumer opt-out tool for participating advertising companies.

Advertising data firewall

The site has a strict advertising data firewall. Calculator and scenario data is not used to build ad audiences or personalised advertising profiles.

  • We do not use calculator inputs, calculator outputs, saved scenarios, scenario notes, debt balances, income values, balances, favourites, calculator usage details, account state, authentication identifiers, or local scenario data for ad targeting, remarketing, lookalike audiences, custom ad segments, or personalised advertising profiles.
  • Google Analytics and advertising payload helpers are designed to exclude calculator field names, values, outputs, scenario names, notes, saved-scenario records, account identifiers, and user IDs.
  • Analytics pageview metadata is limited to the route path, such as `/calculators/compound-interest`, rather than full URLs with query strings.
  • Editorial PolicyRead how editorial work stays separate from advertising and calculator data.
  • MethodologyRead how formulas, assumptions, validation, and corrections are handled.

US privacy choices

Certain US state privacy laws treat targeted advertising as a sale, sharing, or targeted advertising activity. Where those laws apply, we provide notice and opt-out mechanisms through available privacy choices, browser or platform signals where supported, and requests sent to david+calcsfinance@techconsultant.dev.

International transfers

Some providers process information in countries outside the UK, EU, or your home country. Where required, we use appropriate safeguards such as adequacy decisions, standard contractual clauses, the UK International Data Transfer Addendum, or equivalent transfer mechanisms.

Retention

We retain personal information for the period needed for the purpose collected, then delete or anonymise it unless a longer period is required for legal, security, dispute, backup, or abuse-prevention reasons. Some provider-level retention settings are controlled inside the relevant provider account.

Local-only scenarios
Stored on your device until you delete them or clear browser storage.
Account-linked scenarios
Kept while your account is active. When you delete a scenario or request account deletion, deletion starts promptly and is normally completed within 30 days, excluding backups, security logs, legal holds, and limited operational records.
Analytics
GA4 and web analytics user-level or event-level data is retained according to configured provider controls, normally up to 14 months where that setting is available, or in aggregated form after that.
Support, contact, and issue reports
Retained for up to 24 months after the last interaction, unless needed longer for legal, security, or dispute reasons.
Security and server logs
Retained for up to 90 days in normal operation, unless needed longer to investigate abuse, fraud, security incidents, or legal requests.
Backups
Deleted information can remain in encrypted backups for up to 90 days before automatic expiry.

Your rights and choices

Depending on where you live, you may have rights to access, correct, delete, restrict, object to, or receive a copy of your personal information. You can withdraw consent, opt out of personalised advertising, or opt out of sale/share or targeted advertising disclosures where applicable.

How to make a request
Email david+calcsfinance@techconsultant.dev or use the contact page. Include the email address or account context needed to locate your request, but do not send passwords, full account numbers, card numbers, tax IDs, or identity documents unless specifically requested through a secure process.
Verification
We may need to verify your identity or account relationship before providing, changing, or deleting personal information.
Consent and ad choices
Use the Privacy choices control in the footer to manage available consent and advertising choices. You can also manage Google personalised ads through Google Ads Settings.

Account deletion

You can request deletion of account-linked personal information by emailing david+calcsfinance@techconsultant.dev. If an in-product delete account control is available, you can also use that control. We delete or anonymise account-linked scenarios and account records within the retention periods described above, subject to backups, security logs, legal holds, and limited operational records.

Security

We use reasonable technical and organisational measures designed to protect personal information, including managed hosting, access controls, HTTPS, authentication, logging, and provider security controls. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Children

Calcs.finance is not intended for children under 13, and it is not directed to children under the age required for digital consent in your country. If you believe a child has provided personal information, contact us so it can be reviewed and removed where appropriate.

Complaints

If you are in the UK and are unhappy with how we handle your personal information, you can complain to the Information Commissioner's Office. We ask that you contact us first so we can try to resolve the issue.

Changes to this policy

We update this policy when features, providers, laws, consent tooling, advertising configuration, analytics configuration, or launch regions change. Material changes are reflected on this page before the updated processing starts where reasonably possible.