Privacy Policy

Last Updated: December 5, 2025

1. Introduction

This Privacy Policy explains how Calcu-Gator ("We," "Us," "Our," or the "Site") collects, uses, discloses, and protects Your information when You visit and use our website at https://calcu-gator.com/.

Owner/Operator:
Max Sydorov
Location: Ontario, Canada

We are committed to protecting the privacy of our users in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws.

By using Our Site, You agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

A. Calculator Input Data

Our Site consists of various online calculators (salary, mortgage, investment, health, and other calculators). You input data—such as salaries, loan amounts, interest rates, tax rates, health metrics, or other numerical values—to obtain calculation results.

Important Note Regarding Calculator Input:

  • The data You enter into Our calculators is used solely for the purpose of generating the calculation result.
  • We DO NOT save, store, transmit to third parties, or link any of Your calculator input data to Your identity, IP address, email, or any personal records.
  • All calculator processing occurs either:
    • Entirely in Your browser (client-side JavaScript), OR
    • Transiently on Our server solely to return the result, after which the input data is immediately discarded without logging or permanent storage.

Your specific calculator inputs remain private and temporary.

B. Automatically Collected Data (Usage Data)

When You visit Our Site, We automatically collect certain technical information through third-party analytics and advertising services. This helps Us understand how visitors use Our calculators and improve the Site experience.

This may include:

  • IP address (may be anonymized)
  • Browser type and version
  • Operating system
  • Device information (desktop, mobile, tablet)
  • Pages visited and time spent on each page
  • Referring website (the site You came from)
  • Date and time of Your visit
  • General geographic location (country/region level, derived from IP)

C. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect Usage Data, remember Your preferences (such as language or calculator settings), and enable advertising functionality.

Types of Cookies We Use:

  1. Strictly Necessary Cookies: Essential for the Site to function (e.g., session management).
  2. Analytics Cookies: Used by Google Analytics to understand site usage and performance.
  3. Advertising Cookies: Used by Google AdSense to deliver personalized ads based on Your interests.

Your Control Over Cookies:

You have full control over cookies via Your browser settings:

  • You can block all cookies or set Your browser to alert You when a cookie is being sent.
  • You can delete cookies at any time through Your browser.
  • Please note that blocking or deleting cookies may affect Site functionality, particularly advertising features powered by Google AdSense.

Cookie Consent:

Your continued use of the Site after being informed of Our use of cookies (via this Policy or a cookie banner, if displayed) constitutes implied consent under PIPEDA. You may withdraw this consent at any time by adjusting Your browser settings.

3. How We Use Your Information

We use the information We collect for the following purposes:

  • Operating and maintaining the Site and calculators
  • Improving and personalizing the user experience
  • Understanding usage patterns (which calculators are popular, how users navigate the Site)
  • Displaying relevant advertisements through Google AdSense
  • Analyzing Site performance and identifying technical issues
  • Responding to user inquiries submitted through Our contact page
  • Complying with legal obligations and enforcing Our policies

We do NOT sell, rent, or trade Your personal information to third parties for their marketing purposes.

4. Third-Party Services

A. Google Analytics

We use Google Analytics to collect and analyze Usage Data. Google Analytics uses cookies to track Your interactions with the Site (e.g., pages viewed, time spent, traffic sources).

  • Google Analytics data may include anonymized IP addresses.
  • Google may use this data in accordance with its own privacy policy.
  • You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on .

Learn more:

How Google uses data when You use Our partners' sites or apps

B. Google AdSense (Advertising)

We display advertisements provided by Google AdSense. AdSense uses cookies and other tracking technologies to deliver personalized ads based on Your interests and browsing history across the web.

  • Personalized Ads: Google may show You ads based on Your previous visits to Our Site and other websites.
  • Ad Cookies: These cookies typically expire after 90 days to 2 years.

Your Advertising Choices:

Learn more:

Google's Privacy & Terms

C. Other Third Parties

We may use additional third-party service providers (e.g., hosting providers, analytics tools) who process data on Our behalf under strict confidentiality agreements.

5. Data Sharing and Disclosure

We may share Your information in the following circumstances:

  • With Service Providers: Google Analytics, Google AdSense, and other trusted service providers who assist in operating the Site (under confidentiality obligations).
  • For Legal Compliance: If required by law, regulation, legal process, or governmental request (e.g., court orders, tax authorities).
  • To Protect Rights: To enforce Our terms of use, protect Our rights, privacy, safety, or property, or that of Our users or the public.
  • Business Transfers: In connection with a merger, acquisition, or sale of assets (Your data would be transferred to the new owner).

We do NOT sell Your personal information to third parties.

6. Data Security

We implement appropriate technical and organizational security measures to protect Your information from unauthorized access, disclosure, alteration, or destruction. These measures include:

  • SSL/HTTPS encryption for secure data transmission
  • Secure server infrastructure and access controls
  • Regular security assessments and updates
  • Limited access to personal data by authorized personnel and service providers only

However, please be aware that no method of transmission over the Internet or electronic storage is 100% secure. While We strive to protect Your information, We cannot guarantee absolute security.

7. Data Retention

How Long We Keep Your Information:

  • Calculator Input Data: Not stored (processed transiently and immediately discarded).
  • Google Analytics Data: Retained according to Google's data retention settings, typically 14 to 26 months (configurable by Us).
  • Cookie Data: Varies by type:
    • Session cookies: Deleted when You close Your browser.
    • Persistent cookies (analytics, advertising): Typically expire after 90 days to 2 years.
  • Contact Form Data (if applicable): Retained only as long as necessary to respond to Your inquiry, then deleted or anonymized.

We retain data only as long as necessary to fulfill the purposes outlined in this Policy or as required by law.

8. Your Privacy Rights (PIPEDA)

As a user in Canada, You have the following rights under PIPEDA:

A. Right to Access

You may request access to the personal information We hold about You (primarily data collected via Google Analytics and AdSense).

B. Right to Correction

You may request correction of any inaccurate or incomplete personal data.

C. Right to Withdraw Consent

You may withdraw Your consent to the collection and use of Your data at any time by:

  • Disabling cookies in Your browser settings
  • Opting out of Google Analytics (via browser add-on)
  • Opting out of personalized advertising (via Google Ads Settings)
  • Contacting Us directly (see Section 15)

Note: Since We do not store Your calculator input data, access and correction requests will primarily apply to Usage Data collected by third-party services on Our behalf.

D. Right to Complain

If You believe Your privacy rights have been violated or are unsatisfied with Our response to Your privacy concerns, You have the right to file a complaint with: Office of the Privacy Commissioner of Canada.

9. Consent

How You Provide Consent:

By using Our Site, You consent to the collection, use, and disclosure of Your information as described in this Privacy Policy.

  • Implied Consent: Your continued use of the Site after being informed of this Policy (via link in footer or cookie notice) constitutes implied consent for the use of cookies and tracking technologies.
  • Express Consent: For sensitive matters or certain communications, We may seek Your express (explicit) consent.

How to Withdraw Consent:

You may withdraw Your consent at any time by:

  • Adjusting Your browser settings to block or delete cookies
  • Opting out of Google Analytics and personalized advertising (see Section 4)
  • Contacting Us (see Section 15)

Please note that withdrawing consent may limit Your ability to use certain features of the Site, particularly those relying on advertising functionality.

10. Children's Privacy

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13.

If You are a parent or guardian and believe Your child has provided Us with personal information, please contact Us immediately, and We will take steps to delete such information from Our systems.

11. International Data Transfers

We are based in Ontario, Canada. However, the third-party services We use (such as Google) may store and process data on servers located outside of Canada, including in the United States and other countries.

By using Our Site, You consent to the transfer of Your information to these locations, which may have different data protection laws than Canada.

Data Protection: Google and other service providers are required to implement appropriate safeguards to protect Your data in accordance with applicable privacy laws.

12. Do Not Track (DNT) Signals

Our Site does not currently respond to "Do Not Track" (DNT) browser signals or similar mechanisms.

However, You can control tracking and cookies through:

  • Your browser settings (to block or delete cookies)
  • Google Analytics opt-out browser add-on
  • Google Ads Settings (to opt out of personalized advertising)

13. Links to Other Websites

Our Site may contain links to third-party websites (e.g., external resources, tools, or informational sites). This Privacy Policy applies only to Our Site.

We are not responsible for the privacy practices or content of third-party websites. We encourage You to review the privacy policies of any external sites You visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in Our practices, legal requirements, or Site functionality.

How We Notify You:

  • We will post the updated Policy on this page with a new "Last Updated" date.
  • For significant changes, We may provide additional notice (e.g., a prominent banner on the Site or notification via Our contact page).

Your Continued Use: Your continued use of the Site after any changes to this Policy constitutes Your acceptance of the updated terms.

We encourage You to review this Policy periodically.

15. Contact Us

If You have any questions, concerns, or requests regarding this Privacy Policy or how We handle Your personal information, please contact Us:

Contact Page:
https://calcu-gator.com/contact

We will respond to Your inquiry within a reasonable timeframe, typically within 30 days as required by PIPEDA.

16. Interpretation and Definitions

Definitions

For the purposes of this Privacy Policy:

  • "You" or "Your" refers to the individual accessing or using the Site, or the company or legal entity on behalf of which such individual is accessing or using the Site.
  • "We," "Us," "Our," or "Site" refers to Calcu-Gator and its operators.
  • "Personal Information" means any information about an identifiable individual, as defined under PIPEDA.
  • "Usage Data" refers to data collected automatically, such as IP address, browser type, and pages visited.
  • "Cookies" are small files placed on Your device by a website, used to store information about Your visit.

17. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of Ontario, Canada and applicable federal privacy legislation (PIPEDA).

Thank You for trusting Calcu-Gator with Your privacy.

If You have any questions or concerns, please don't hesitate to reach out via Our contact page.