Privacy Policy

Last updated: January 2025

Data We Collect

Car Payment Calculator does not collect, store, or transmit any personal financial data. All calculator inputs and results are processed entirely in your browser using client-side JavaScript. No calculation data is sent to our servers.

Local Storage

If you use the "save" feature, your calculator inputs are stored in your browser's local storage. This data remains on your device and is never transmitted. You can clear this data at any time through your browser settings.

Contact Form

Our contact form uses EmailJS to send messages directly to our inbox. When you submit the form, your name, email address, and message are transmitted to EmailJS for delivery. We do not store this data beyond our email inbox. EmailJS's privacy policy applies to the transmission of this data.

Analytics

We use Google Analytics 4 to collect anonymous usage statistics such as page views, time on site, and general geographic region. This helps us understand how the calculator is used and improve the experience. Analytics data collection respects your consent preferences set via our consent management platform.

Advertising

We display ads through Google AdSense to support the free operation of this calculator. Google may use cookies and similar technologies to serve ads based on your prior visits to this and other websites, subject to your consent preferences.

Third-Party Services and Cookies

In addition to Google Analytics and AdSense, we may integrate third-party tools or libraries that operate entirely on the client side (e.g., charting libraries, UI components). These tools do not send personal data to external servers and are subject to our strict security review before integration. We do not use server-side tracking scripts or fingerprinting technologies. All cookies or local storage used are strictly necessary for functionality (e.g., remembering your saved calculator inputs) or for consent-managed analytics/advertising. You can control cookie preferences via our cookie banner or browser settings. Please note that disabling local storage may prevent the 'save' feature from working as intended.

Data Security Practices

Since all calculator data remains in your browser, the primary security risk lies in local device compromise (e.g., malware, shared devices). To mitigate this, we recommend clearing your browser cache or using private/incognito mode if sharing a device. We follow industry best practices for client-side code development—including regular dependency scanning and code review—to prevent unintended data leakage. Our servers are used only for hosting static assets (HTML, CSS, JS) and are not involved in data processing. We do not log IP addresses, device identifiers, or calculation details. In the unlikely event of a security incident affecting locally stored data, we would notify affected users promptly and cooperate with relevant authorities.

Children’s Privacy

Our service is intended for general public use and is not directed to children under 13 (or the applicable age in your jurisdiction). We do not knowingly collect personal data from children. If you believe a child has provided us with information, please contact us so we can delete it. Parents and guardians can help protect their children’s online privacy by using parental controls in browsers and operating systems, and by reviewing the privacy policies of any third-party services (like EmailJS or Google) integrated into our tools.

Your Rights

You can manage your privacy preferences at any time by clicking "Manage Privacy" in the footer. You can also clear locally stored data through your browser settings. If you have questions about this policy, please contact us through our Contact page.