Privacy Policy

This Privacy Policy explains how Cumulative Interest Calculator ("we", "us", or "our") collects, uses, and protects information when you visit cumulativeinterestcalculator.com (the "Service"). We are committed to protecting your privacy and have built our Service to minimize data collection.

1. Information We Do NOT Collect

Our calculators run entirely in your browser. The numbers you enter — principal, interest rate, time, contributions, and any other inputs — are never transmitted to our servers. They are not logged, stored, or shared.

2. Information Automatically Collected

Like most websites, we may receive standard log information when you visit the Service. This may include:

• IP address (anonymized where possible)
• Browser type and version
• Operating system
• Referring website
• Pages visited and time spent
• Country / region (approximate)

This information is used only in aggregate to improve site performance, fix bugs, and understand which content readers find useful.

3. Cookies

We may use a minimal set of cookies and local storage to:

• Remember your dark/light mode preference.
• Save calculator inputs locally (on your device only) so your scenarios persist between visits.
• Measure aggregate site usage via privacy-respecting analytics.

You can disable cookies in your browser settings. The calculator will continue to work without them, though preferences won't persist.

4. Third-Party Services

We may use the following types of third-party services:

• Hosting & CDN: Cloudflare, which provides DNS, content delivery, and security. Cloudflare may process IP addresses to mitigate threats.
• Analytics: Privacy-respecting analytics that do not use cross-site tracking cookies.
• Advertising: If we display advertisements (e.g. via Google AdSense), third-party vendors and ad networks may use cookies to serve ads based on your prior visits to this site or other sites. Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to this Service and/or other sites on the Internet. Users may opt out of personalized advertising by visiting Google Ads Settings or aboutads.info .

5. Children's Privacy

Our Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, please contact us so we can delete it.

6. Your Rights (GDPR / CCPA)

If you are in the EU, UK, or California, you may have the right to:

• Access information we hold about you.
• Request correction or deletion.
• Object to or restrict processing.
• Lodge a complaint with a supervisory authority.

Because we collect virtually no personal information, most requests can be resolved by clearing your browser's cookies. For other requests, contact [email protected].

7. Data Security

We use industry-standard security measures (HTTPS, modern security headers, no third-party tracking) to protect any information we do receive.

8. Changes to This Policy

We may update this Privacy Policy occasionally. The "last updated" date at the top will reflect any changes. Continued use of the Service after changes constitutes acceptance.

9. Contact

If you have questions about this policy, email us at [email protected].