Privacy, Cookies & Terms – My Online Calculator
This page explains how we handle your data, cookies, and your use of My Online Calculator.
Privacy Policy
Thank you for visiting My Online Calculator (“we”, “our”, “us”). This Privacy Policy explains how we collect, use, store, protect, and share your information when you use our website, calculators, tools, and related content.
By accessing or using myonlinecalculator.com, you agree to this Privacy Policy. If you do not agree, please discontinue using our website.
1. Information We Collect
We collect information in the following ways:
A. Information You Provide Directly
You may choose to share personal information with us when you:
- Contact us by email or through a form
- Send feedback, suggestions, or support requests
This may include:
- Name
- Email address
- Any additional details you include in your message
We do not collect payment card data or government ID numbers.
B. Information Collected Automatically
When you use our website, certain information is collected automatically to operate and improve our services, such as:
- IP address
- Browser type and version
- Device type and operating system
- Visited pages and time spent on each page
- Referrer URL (the page you came from)
- Approximate location (city/country level, where supported)
C. Cookies and Similar Technologies
We use cookies and similar technologies to support site functionality, analytics, and advertising. For more details, see the Cookie Policy section below.
D. Calculator Usage Data
Our tools and calculators (such as loan, EMI, BMI, investment and other financial calculators) may process numeric or textual input that you provide to display results.
Examples include:
- Loan amount, tenure, and interest rate
- Income and expense estimates
- Investment horizons and expected returns
These inputs are processed to produce results for you. We do not intentionally link calculator input to your identity, and we do not use calculator inputs to profile individual users.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To operate and maintain the website and calculators
- To respond to your messages, questions, or support requests
- To analyze website usage and improve our tools and content
- To detect, prevent, and address technical issues or abuse
- To show advertising (including personalized ads, where permitted)
3. Google Analytics
We use Google Analytics to collect aggregated data about how users interact with our website, such as page views, time spent, and traffic sources. This helps us improve performance, design, and content.
Google Analytics may collect:
- IP address (with optional IP anonymization, where implemented)
- Browser and device information
- Interacted pages, events, and referrers
Data handled by Google is subject to Google’s own privacy policy. You can learn more about how Google uses data from partner sites and how to opt out of Google Analytics (for example, using the browser add-on).
4. Google AdSense and Advertising
We display advertising via Google AdSense and may use other advertising partners. These services may use cookies and similar technologies to:
- Show ads relevant to your interests
- Measure ad performance
- Limit how often you see the same advertisement
Where required by law (such as GDPR in the EU), non-essential advertising cookies are only used after you give consent via the cookie banner.
5. Legal Bases for Processing (GDPR)
If you are located in the European Economic Area (EEA), we process your personal data on one or more of the following legal bases:
- Consent: For non-essential cookies, analytics, and personalized ads.
- Legitimate interests: To maintain and secure the website and improve services.
- Legal obligation: To comply with applicable laws and regulations.
6. Sharing of Information
We do not sell your personal information. We may share data with:
- Hosting providers that store our website and logs
- Analytics and advertising partners (e.g., Google)
- Service providers who help us operate the site
- Authorities, where legally required
7. Data Retention
We retain personal information only for as long as necessary for the purposes described in this Privacy Policy, or as required by law. Email correspondence is kept as long as needed to manage communications and support.
8. Your Rights (GDPR & Other Privacy Laws)
Depending on your jurisdiction, you may have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate or incomplete data
- Request deletion of your data, where applicable
- Object to or restrict certain types of processing
- Withdraw consent, where processing is based on consent
- Request data portability, where applicable
To exercise any of these rights, please contact us at contact@myonlinecalculator.com.
9. California Privacy Rights (CCPA/CPRA)
If you are a resident of California, you may have additional rights under the California Consumer Privacy Act (CCPA) or similar state laws, including:
- The right to know what personal information is collected, used, or shared
- The right to request deletion of personal information (subject to exceptions)
- The right to opt out of “sale” or certain sharing of personal information
We do not sell personal information for money. Any data sharing with advertising or analytics partners is limited to what is necessary to operate the site and serve relevant ads.
10. Children’s Privacy
Our website is not directed to children under the age of 13, and we do not knowingly collect personal data from children. If you believe a child has provided personal data, please contact us so we can delete it.
11. Security
We use reasonable technical and organizational measures to protect your information; for example, encrypted connections (HTTPS) and secure hosting. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes are effective when they are posted on this page with an updated “Last Updated” date. Your continued use of the site after any changes means you accept the revised Policy.
13. Contact Us
If you have any questions about this Privacy Policy or your data, please contact us at:
Terms & Conditions
1. Acceptance of Terms
By accessing or using myonlinecalculator.com, including its calculators, tools, and content, you agree to be bound by these Terms & Conditions and all applicable laws. If you do not agree, please do not use the website.
2. Use of the Website
You agree to use the website only for lawful purposes and in a way that does not:
- Violate any local, national, or international law or regulation
- Infringe on the rights of others
- Disrupt or damage the website or its services
3. No Professional Advice
The content and calculators available on My Online Calculator are provided for informational and educational purposes only and do not constitute financial, legal, tax, investment, medical, or other professional advice.
You should always consult a qualified professional before making decisions related to finances, investments, loans, health, or legal matters.
4. Calculator Results and Accuracy
Our calculators are designed to simplify complex calculations using standard formulas and general assumptions. However:
- Results are estimates and not guaranteed
- They may not reflect your exact situation or real-world outcomes
- You are responsible for verifying all results before relying on them
We make no warranty regarding the accuracy, completeness, or suitability of the calculators or any results derived from them.
5. Intellectual Property
Unless otherwise stated, all content on this website, including text, graphics, logos, icons, and tools, is owned by or licensed to My Online Calculator and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify, or re-use any content without prior written permission, except as allowed by applicable law (such as fair use).
6. Third-Party Links
Our website may contain links to third-party websites for convenience, information, or affiliate purposes. We do not control or endorse these websites and are not responsible for their content, policies, or practices.
Visiting third-party websites is at your own risk and subject to their terms and policies.
7. Affiliate Disclosure
We may participate in affiliate or referral programs, where we earn a commission if you click a link or make a purchase using certain links on the site. This comes at no extra cost to you and does not affect our calculator outputs.
8. Limitation of Liability
To the fullest extent permitted by law, My Online Calculator and its owners, authors, and partners shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Your use or inability to use the website
- Errors, inaccuracies, or omissions in content or calculators
- Any decisions you make based on information or results from the site
- Technical failures, downtime, or security breaches
9. Indemnification
You agree to indemnify and hold harmless My Online Calculator from and against any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of the website or violation of these Terms & Conditions.
10. Changes to the Website and Terms
We may update or modify the website, calculators, or these Terms & Conditions at any time without prior notice. Your continued use of the site after changes are posted constitutes your acceptance of the updated Terms.
11. Governing Law
These Terms & Conditions are governed by the laws of the jurisdiction where the website owner is based, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts in that region, where applicable.
12. Contact
For any questions regarding these Terms & Conditions, please contact us at:
