Privacy Policy

1. Information We Collect

Future Value Calculator is designed with privacy in mind. We only collect minimal information necessary to provide our services:

• Calculation inputs (investment amounts, time periods, interest rates) - processed locally in your browser
• Basic analytics data collected via Google Analytics (page views, user interactions)
• Technical information for optimization purposes (browser type, device type)

2. How We Use Your Information

We use the collected information for:

• Providing accurate financial calculations
• Improving our services and user experience
• Analyzing usage patterns to enhance features
• Ensuring the security and functionality of our platform

3. Data Storage and Security

Your privacy is our top priority:

• All calculations are performed locally in your browser
• We do not store your personal financial information on our servers
• Analytics data is anonymized and aggregated
• We use industry-standard security measures to protect any data we collect

4. Third-Party Services

We use the following third-party services:

• Google Analytics: For website analytics and performance monitoring
• Google AdSense: For displaying advertisements (see Section 5)
• Vercel: For hosting and content delivery
• Anthropic Claude: For AI-powered calculation assistance (when using AI features)

5. Google AdSense and Advertising

We use Google AdSense to display advertisements on our website. Google and its partners use cookies and web beacons to serve ads based on your prior visits to this website or other websites.

Consent and Withdrawal

We only load Google AdSense and Google Analytics after you choose "Accept All" via the cookie banner at the bottom. You can withdraw consent at any time by clicking "Reject All" in the banner or clearing the cookieConsent item in your browser; refusing or withdrawing consent does not affect calculator functionality.

Personalized Advertising

Google uses advertising cookies to enable itself and its partners to serve ads to you based on your visits to our site and/or other sites on the Internet. These cookies may collect:

• IP address (anonymized)
• Browser type and version
• Time and date of visit
• Pages visited and content viewed
• Referring URL

Opt-out Options

You can opt out of personalized advertising by visiting the following resources:

• Google Ads Settings - Manage your Google advertising preferences
• Digital Advertising Alliance - Industry-wide opt-out platform
• Network Advertising Initiative - Additional opt-out options
• Your Online Choices (EU) - For EU users

For more information about Google's privacy practices, visit Google Privacy Policy.

6. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your language preferences
• Analyze website traffic and usage patterns
• Improve our services and user experience

You can control cookie settings through your browser settings.

7. Your Rights

You have the right to:

• Access any personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of analytics tracking

8. Children's Privacy

Our services are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13.

9. Changes to This Policy

We may update this 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.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us through our website or the contact information provided on our homepage.