Privacy Policy

1. Introduction

Quick Loan Calculators.com ("we," "us," or "our") operates the website quickloancalculators.com. The site is published by Cloud 9 and operated by Justin Kulhawick, who acts as the data controller for any personal information described in this policy and can be reached at contact@quickloancalculators.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. Please read this policy carefully. By using the site, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Calculator Inputs

When you use our calculators, the values you enter (loan amounts, interest rates, terms, etc.) are processed entirely in your browser. We do not collect, store, or transmit your calculator inputs to our servers. All calculations happen client-side.

Automatically Collected Information

Like most websites, we may automatically collect certain information when you visit, including:

• IP address (anonymized where possible)
• Browser type and version
• Operating system
• Pages visited and time spent
• Referring URL
• Device type (desktop, mobile, tablet)

Information You Provide

The only personal information you can give us is what you include when you email us at contact@quickloancalculators.com. There is no account system and no email list. We do not require registration to use any calculator on this site.

3. How We Use Your Information

We use the information we collect to:

• Operate and maintain the website
• Analyze usage patterns to improve our calculators and content
• Respond to messages you send us
• Display relevant advertisements
• Comply with legal obligations

4. Cookies and Tracking Technologies

When you first visit, a banner asks whether you accept cookies for analytics and advertising. Before you answer, Google Consent Mode is set to "denied" for ad storage, ad user data, ad personalization, and analytics storage. Google Analytics does not load at all until you accept. The Google AdSense script does load, but under those denied signals it runs in a limited, cookieless mode: it stores no advertising cookies and does not personalize ads unless and until you accept. If you decline, it stays that way. Your choice is stored in your browser.

• Essential storage: Your theme preference and your cookie choice itself, kept in your browser's local storage. These are required for the site to remember your settings and involve no tracking.
• Analytics cookies (only after you accept): Google Analytics, to understand how visitors use the site
• Advertising cookies (only after you accept): Google AdSense, to show and measure ads. Before acceptance the AdSense script is present but cookieless.

You can change your mind at any time using the "Cookie preferences" link in the footer, which brings the consent banner back. You can also clear or block cookies through your browser settings.

5. Third-Party Services

We may use the following third-party services:

• Google Analytics: Website traffic analysis, loaded only after you accept cookies. Google Privacy Policy
• Google AdSense: Display advertising. The script loads in a cookieless mode by default and only stores advertising cookies after you accept.

We currently have no affiliate or lender-referral relationships. If we ever add affiliate links, they will be clearly disclosed where they appear and this policy will be updated.

5a. Advertising and Your Ad Choices

This site is supported by display advertising. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this site and other sites on the internet.

You have several independent ways to opt out:

• Decline advertising cookies on this site using the banner, or withdraw a previous acceptance at any time via the "Cookie preferences" link in the footer.
• Turn off personalized advertising from Google across all sites at Google My Ad Center.
• Opt out of third-party vendors' use of cookies for personalized advertising at aboutads.info or the Network Advertising Initiative.
• Block or clear cookies through your browser settings, which works regardless of any choice made here.

Opting out of personalized advertising does not remove ads; it means the ads you see are not selected based on your browsing history. Advertising never affects calculator results or the content of this site, and advertisers have no input into either.

6. Data Sharing

We do not sell your personal information. We may share anonymized, aggregated data with analytics providers and advertising partners. We may disclose information if required by law, court order, or to protect our rights.

7. Data Security

We implement reasonable security measures to protect your information. However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of data transmitted to or from our site.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction or deletion of your data
• Withdraw cookie consent at any time via the "Cookie preferences" link in the footer
• Opt out of the sale of personal information (California residents under CCPA)
• Request data portability (EU residents under GDPR)

To exercise these rights, contact us at contact@quickloancalculators.com.

9. Children's Privacy

Our website is not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.

10. 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 site after changes constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy, contact us at: contact@quickloancalculators.com