Privacy Policy

Overview

SmartLoanCalcu ("we", "us", or "our") is committed to protecting your privacy.

This Privacy Policy explains what information we collect, why we collect it, and how we handle it when you use our website at SmartLoanCalcu.com. We believe in plain language — no legal jargon, no surprises.

Information We Do NOT Collect

SmartLoanCalcu does not collect, store, or process any personal financial data.

All loan calculations are performed entirely within your web browser using client-side JavaScript. Your loan amounts, income figures, interest rates, and any other numbers you enter never leave your device and are never sent to our servers.

Information We May Collect

We may collect limited, non-personally identifiable information to help us understand how visitors use the site and to improve the experience. This may include:

This information is collected via standard web analytics tools. It is aggregated and cannot be used to identify you personally.

Cookies & Local Storage

We use localStorage — a browser storage mechanism similar to cookies — to remember your currency preference and dark/light mode setting between visits. This data lives only on your device and is never transmitted to us.

We may also use third-party advertising services (such as Google AdSense) which may place cookies on your device in order to serve relevant advertisements. Those cookies are governed by the respective third-party privacy policies, not this one.

Google AdSense

We use Google AdSense to display advertisements on the site. Google may use cookies to serve ads based on your prior visits to this and other websites.

You can opt out of personalised advertising at any time by visiting Google's Ads Settings.

Third-Party Services

We use ipapi.co to detect your country so the calculator can automatically select an appropriate currency. This service receives your IP address solely to determine your approximate location.

No other personal data is shared with third parties, and we do not sell any data to advertisers or data brokers.

Children's Privacy

SmartLoanCalcu is not directed at children under the age of 13 and is not intended for use by minors. We do not knowingly collect any information from children under 13.

If you believe a child has provided information through this site, please contact us and we will take prompt steps to remove it.

Changes to This Policy

We may update this Privacy Policy from time to time as the site evolves. When we do, the revised version will be posted on this page with an updated date at the top.

Continued use of the site after any changes are posted constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact us. We aim to respond within a few business days.