Introduction
Welcome to World Loan Calculator ("we," "our," or "us"). We are committed to protecting your privacy and ensuring transparency about how we handle your information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.
World Loan Calculator provides free online financial calculation tools. We understand the importance of privacy, especially when dealing with financial information, and we've designed our services with your privacy in mind.
Important: Our loan calculator performs all calculations locally in your browser. We do not store your financial data on our servers. The information you enter into the calculator remains on your device.
By using our website, you consent to the data practices described in this policy. If you do not agree with any part of this Privacy Policy, please do not use our services.
Information We Collect
Information You Provide Directly
When you use our loan calculator, we do not require you to create an account or provide personal information. The financial data you enter (loan amount, interest rate, term) is processed locally in your browser and is not transmitted to our servers.
We may collect limited information when you:
- Contact us through our contact forms
- Subscribe to our newsletter (if available)
- Participate in surveys or feedback requests
Automatically Collected Information
When you visit our website, we automatically collect certain information about your device and browsing activities:
| Information Type | Purpose |
|---|---|
| IP Address | Security, analytics, and regional customization |
| Browser Type & Version | Compatibility and optimization |
| Device Information | Responsive design optimization |
| Usage Data | Service improvement and analytics |
| Cookies & Similar Technologies | Functionality, preferences, and advertising |
How We Use Your Information
We use the information we collect for various purposes, including:
- Providing Services: To operate, maintain, and improve our loan calculator and related services
- Personalization: To customize your experience based on your preferences and location
- Analytics: To understand how users interact with our website and identify areas for improvement
- Communication: To respond to your inquiries and provide customer support
- Security: To detect, prevent, and address technical issues and unauthorized activities
- Legal Compliance: To comply with applicable laws, regulations, and legal processes
Key Privacy Feature: Your financial calculations are performed entirely in your web browser. The loan amounts, interest rates, and other financial data you enter never leave your device and are not stored on our servers.
Data Protection & Security
We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction.
Our Security Measures Include:
- SSL encryption for all data transmitted between your browser and our servers
- Regular security assessments and vulnerability testing
- Limited access to personal information on a need-to-know basis
- Secure server infrastructure with firewalls and intrusion detection
Important Security Note: While we implement robust security measures, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but we continuously work to maintain the highest standards of data protection.
In the event of a data breach that affects your personal information, we will notify you and relevant authorities as required by applicable laws.
Data Sharing & Disclosure
We do not sell, trade, or rent your personal information to third parties. We may share information in the following circumstances:
Service Providers
We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential.
Legal Requirements
We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas).
Business Transfers
In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
With Your Consent
We may share your information with third parties when we have your explicit consent to do so.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information:
- Right to Access: You can request copies of your personal information that we hold
- Right to Rectification: You can request that we correct any information you believe is inaccurate
- Right to Erasure: You can request that we erase your personal information under certain conditions
- Right to Restrict Processing: You can request that we restrict the processing of your personal information
- Right to Object to Processing: You can object to our processing of your personal information
- Right to Data Portability: You can request that we transfer the data we have collected to another organization
To exercise any of these rights, please contact us using the information provided in the "Contact Us" section.
Note About Financial Data: Since we don't store your loan calculation data on our servers, there's no need to request deletion of this information. It only exists temporarily in your browser during your session.
Children's Privacy
Our services are not directed to individuals under the age of 16. We do not knowingly collect personal information from children under 16.
If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 16 without verification of parental consent, we will take steps to remove that information from our servers.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this policy.
Update Notification: We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Your continued use of our services after any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.
Contact Us
If you have any questions about this Privacy Policy, our privacy practices, or your dealings with our website, please contact us:
Privacy Questions & Concerns
Email: privacy@worldloancalculator.com
Mail: Privacy Officer, World Loan Calculator
123 Financial District, Suite 500
New York, NY 10001, USA
We typically respond to privacy-related inquiries within 3-5 business days.