Privacy Policy

1. Introduction

This Privacy Policy explains how CalcRiva ("we", "us") collects, uses, and protects information when you use calcriva.com.

2. Information We Collect

We collect the following types of information:

• Calculator inputs: Numbers and data you enter into our calculators (e.g., loan amount, income, age) are processed in your browser and are not stored on our servers unless you explicitly choose to email yourself a summary.
• Email address: If you voluntarily submit your email through our "Get Your Results by Email" feature, we collect and store this address to send you the requested information.
• Usage data: We automatically collect standard technical information such as your IP address, browser type, device type, and pages visited, through Google Analytics.
• Cookies: We use cookies and similar tracking technologies (via Google Analytics) to understand how visitors use our site.

3. How We Use Information

We use the information we collect to:

• Operate and improve our calculators and website
• Send you calculation summaries you specifically request by email
• Understand site usage and traffic patterns through aggregated, anonymized analytics
• Respond to inquiries sent to [email protected]

We do not sell your personal information to third parties.

4. Third-Party Services

We use the following third-party services, which may collect information according to their own privacy policies:

• Google Analytics — for understanding website traffic and usage patterns
• Brevo — for managing email subscriptions if you opt in to receive calculation results by email

These third parties have their own privacy policies governing the use of your information.

5. Data Security

We take reasonable measures to protect the information we collect. Calculator inputs are processed locally in your browser and are not transmitted to or stored on our servers unless you choose to submit your email for a results summary. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

You may:

• Unsubscribe from any emails by clicking the "unsubscribe" link in any message we send
• Request that we delete any email address you've submitted by contacting [email protected]
• Disable cookies through your browser settings, though this may affect site functionality

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion of your information, and the right to non-discrimination for exercising these rights. To exercise these rights, contact us at [email protected].

7. Children's Privacy

CalcRiva is not directed at individuals under the age of 18, and we do not knowingly collect personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the website after changes constitutes acceptance of the updated policy.

9. Contact Us

For questions about this Privacy Policy or to exercise your privacy rights, contact us at [email protected].