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Cookie Policy

This Cookie Policy explains exactly which cookies USFinanceCalculators.com uses, why we use them, who provides them, how long they last, and — most importantly — how you can control or opt out of each category at any time. We believe in complete transparency about data practices, especially on a financial platform.

Operated by: MAFHH INTERNATIONAL LTD
Last Updated: March 2026
Cookie Categories: 3 (Essential, Analytics, Advertising)
Financial Data in Cookies: Zero — None, Ever
🔒 Zero financial data stored in any cookie
🍪 3 cookie categories — all disclosed in full
📢 Google AdSense compliant — full DoubleClick disclosure
⚙️ Calculators work with advertising cookies disabled
✉️ Questions? [email protected]
🧮
Calculator Data: Never in Cookies
All calculator logic runs client-side in your browser. Your income, loan, and tax inputs are never stored in cookies, local storage, or on our servers.
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3 Cookie Categories Used
Essential (site function), Analytics (Google Analytics 4), and Advertising (Google AdSense / DoubleClick). No other categories are used.
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Ad-Funded Free Platform
Advertising cookies fund our free calculator platform. No subscription, no paywall, no lender referral fees — advertising is our only revenue source.
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Full User Control
You can opt out of analytics and advertising cookies at any time via browser settings, Google’s Ad Center, or the DAA opt-out tool — without losing access to any calculator.
📋 Table of Contents
  1. What Is This Cookie Policy?
  2. What Are Cookies?
  3. Financial Data & Cookies — Our Commitment
  4. Cookie Categories We Use
  5. Full Cookie Disclosure Table
  6. Google AdSense & DoubleClick Cookies
  7. Google Analytics 4 Cookies
  8. How to Control & Opt Out of Cookies
  9. Browser-Level Cookie Controls
  10. Updates to This Cookie Policy
  11. Contact Us

0 What Is This Cookie Policy?

This Cookie Policy explains how MAFHH INTERNATIONAL LTD (“we,” “us,” or “our”) uses cookies and similar tracking technologies on USFinanceCalculators.com (the “Platform”). It tells you exactly what cookies are placed on your device, why we use them, who controls them, how long they persist, and what choices you have regarding their use.

This policy should be read alongside our Privacy Policy, which covers all personal data processing on our Platform more broadly, and our Terms & Conditions.

✅ The Most Important Thing to Know First
Our financial calculators run entirely client-side in your browser via JavaScript. No calculator input you enter — your income, loan amount, tax figures, credit score, or any other personal financial data — is ever stored in a cookie, in local storage, in session storage, or on our servers. The cookies described in this policy relate to website functionality, traffic analytics, and advertising — never to your financial calculations.

1 What Are Cookies?

Cookies are small text files placed on your computer, smartphone, or other device when you visit a website. They are widely used by website operators to make sites work correctly, work more efficiently, and to provide reporting and analytics information to site owners.

Cookies set by the website operator (in this case, MAFHH INTERNATIONAL LTD) are called “first-party cookies.” Cookies set by parties other than the website operator are called “third-party cookies.” Third-party cookies enable features or functions provided by a third party on or through the website — such as advertising, analytics, or social media integrations.

Cookies can remain on your device for different lengths of time:

  • Session cookies are temporary and are deleted automatically when you close your browser. They are used to maintain your session as you navigate between pages.
  • Persistent cookies remain on your device for a set period (the “retention period”) defined in the cookie itself. They are used to remember your preferences or recognize your device on return visits.
ℹ️ Similar Technologies
In addition to cookies, our advertising partner Google may use similar technologies including pixel tags (also called web beacons or clear GIFs), local storage, and device fingerprinting as part of its advertising infrastructure. These are subject to the same opt-out mechanisms described in Section 8 of this policy and Google’s own Privacy Policy.

2 Financial Data & Cookies — Our Commitment

USFinanceCalculators.com is a financial platform. We understand that users have heightened privacy expectations when using financial tools — and rightly so. Many competing “free” financial calculator sites use cookie and session storage to retain user financial inputs, build behavioral profiles, or pass data to lenders and financial product advertisers.

We do not and will not do this. Our architectural commitment is absolute:

  • No calculator input is written to any cookie, localStorage, sessionStorage, or IndexedDB
  • No financial input is transmitted via any network request — all computation happens in your browser’s JavaScript engine
  • No behavioral profile is built from your calculator usage and tied to advertising targeting
  • No lender, insurance company, or financial institution receives any data derived from your use of our calculators
  • No correlation is made between your cookie identity and your calculator inputs

This section is included not because it is legally required, but because we believe users of a financial platform deserve explicit, technical clarity about the distinction between the cookies we use (functional, analytics, and advertising) and the financial data you enter into our tools (which is entirely separate and private).

3 Cookie Categories We Use

USFinanceCalculators.com uses three categories of cookies. Here is a plain-English overview of each before the full technical disclosure table:

Category 1 — Essential Cookies Required

These cookies are strictly necessary for USFinanceCalculators.com to function at a basic level. They enable core features like page navigation, security, and form functionality. You cannot opt out of essential cookies while continuing to use the website — however, they do not store any personal financial data or track you for advertising purposes. Essential cookies set by this site are first-party only.

Category 2 — Analytics Cookies Optional

We use Google Analytics 4 (GA4) to understand how users interact with our Platform — which calculators are most used, how users navigate between tool categories, session duration, and geographic distribution of our user base. This data is used exclusively to improve our Platform. Analytics cookies do not identify you personally and do not store financial data. You can opt out at any time without affecting calculator functionality.

Category 3 — Advertising Cookies Optional

We partner with Google AdSense to display advertisements on USFinanceCalculators.com. These advertisements fund our free platform — they are the sole mechanism by which MAFHH INTERNATIONAL LTD generates revenue, which allows us to offer 200+ calculators at no cost to users. Google AdSense uses cookies (including the DoubleClick cookie) to serve relevant ads based on your browsing history. These advertising cookies are entirely unconnected to the financial data you enter into our calculators. You can opt out of personalized advertising at any time.

⚠️ Why We Use Advertising Cookies — Full Transparency
Building and maintaining 200+ accurate, U.S.-compliant financial calculators requires ongoing engineering, legal review, and regulatory monitoring. Advertising revenue allows MAFHH INTERNATIONAL LTD to operate this platform permanently free, without paywalls, account requirements, or lead generation. Google AdSense advertising cookies are the mechanism by which this revenue model functions. We disclose this fully and provide opt-out options because we believe you have the right to make an informed choice.

4 Full Cookie Disclosure Table

The table below discloses every cookie category set on USFinanceCalculators.com, including the provider, purpose, type, and retention period for each:

Cookie / Category Category Provider Purpose Type Retention
WordPress Session Essential MAFHH INTERNATIONAL LTD
(First-party)		 Maintains user session, enables page navigation and form security (nonce) Session Until browser closed
wordpress_logged_in_* Essential MAFHH INTERNATIONAL LTD
(First-party)		 Used only when WordPress admin is logged in. Not set for regular visitors. Session Until browser closed
_ga Analytics Google LLC
(Third-party)		 Distinguishes users for Google Analytics 4. Used to generate aggregate statistical data on how the Platform is used. Persistent 2 years
_ga_[ID] Analytics Google LLC
(Third-party)		 Maintains session state for GA4 measurement ID. Enables persistent session tracking across pages. Persistent 2 years
_gid Analytics Google LLC
(Third-party)		 Distinguishes users for GA4 on a 24-hour basis. Used for daily active user reporting. Persistent 24 hours
_gat Analytics Google LLC
(Third-party)		 Throttles request rate for Google Analytics. Limits data collection to once per minute. Session 1 minute
IDE Advertising Google LLC / DoubleClick
(Third-party)		 Used by Google DoubleClick to register and report user actions after viewing or clicking an ad. Enables ad conversion tracking and retargeting. Persistent 13 months
DSID Advertising Google LLC / DoubleClick
(Third-party)		 Used to identify a signed-in Google user and merge behavioral data across devices for ad personalization. Persistent 2 weeks
NID Advertising Google LLC
(Third-party)		 Registers a unique ID used to remember your preferences and ad interaction history. Used by Google to customize ads in Google services. Persistent 6 months
1P_JAR Advertising Google LLC
(Third-party)		 Collects website statistics and tracks conversion rates for Google Ads campaigns associated with advertisements shown on the Platform. Persistent 1 month
__gads / __gpi Advertising Google LLC / AdSense
(Third-party)		 Set by Google AdSense to register ad impressions and prevent the same ad being shown too often. Also used to measure ad effectiveness. Persistent 13 months
ℹ️ Cookie List Currency
This table reflects the cookies present on USFinanceCalculators.com as of the Last Updated date shown at the top of this policy. Google LLC may modify the specific cookies used by its AdSense and Analytics products from time to time. For the most current list of Google cookies, visit Google’s Cookie Technology Overview.

5 Google AdSense & DoubleClick Cookies

📢 Google AdSense — Required Disclosure
As required by Google’s AdSense program policies, USFinanceCalculators.com makes the following disclosures regarding Google advertising cookies:
  • Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites on the Internet
  • Google’s use of advertising cookies enables it and its partners to serve ads to our users based on their visit to USFinanceCalculators.com and/or other sites
  • Users may opt out of personalized advertising by visiting Google’s My Ad Center
  • Alternatively, users can opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info/choices (DAA opt-out tool)
  • USFinanceCalculators.com uses Google AdSense interest-based advertising, which Google may use to serve ads based on your inferred interests

What Google AdSense Cookies Do — Plain English

When you visit USFinanceCalculators.com, Google’s AdSense code places cookies on your device that allow Google to recognize your browser on this and other websites. Google uses this browsing history to infer your interests and serve advertisements it believes are relevant to you. This is called interest-based advertising or personalized advertising.

For example: if you have previously visited car dealership websites, Google may serve you auto loan advertisements on USFinanceCalculators.com. Critically — this interest profile is built from your general browsing history, not from the financial data you enter into our calculators. Google’s systems have no access to your calculator inputs, which never leave your browser.

Google AdSense & YMYL Content

USFinanceCalculators.com operates in the “Your Money or Your Life” (YMYL) category as defined by Google’s Search Quality Guidelines. We take our responsibility seriously: we never allow ad categories that could create conflicts of interest with our calculator results, and we do not participate in any lead generation arrangement that would tie advertising revenue to user financial data. Google AdSense automatically serves contextually relevant financial advertising based on page content — not on your personal calculator inputs.

6 Google Analytics 4 Cookies

We use Google Analytics 4 (GA4) to collect anonymized aggregate data about how users interact with USFinanceCalculators.com. This data helps us understand which calculators are most useful, identify technical issues, and prioritize new tool development.

What GA4 Data Tells Us

  • Which calculator pages receive the most visits and how users navigate between categories
  • Session duration, bounce rate, and return visitor frequency
  • Approximate geographic location (country and state level — not precise location)
  • Device type (desktop, mobile, tablet) and browser used
  • Traffic source (organic search, direct, referral)

What GA4 Does NOT Tell Us

  • The specific values you entered into any calculator
  • Your name, email address, or any personally identifiable information
  • Your precise physical location
  • Any data tied to your financial situation, income, or assets

GA4 data is processed by Google LLC under their Privacy Policy. We have activated IP anonymization in our GA4 configuration, which truncates IP addresses before any geographic data is logged. We do not share GA4 data with any third party other than Google.

ℹ️ GA4 Opt-Out Options
You can opt out of Google Analytics tracking across all websites by installing the Google Analytics Opt-Out Browser Add-On (available for Chrome, Firefox, Safari, Opera, and Edge). Disabling GA4 cookies has no effect on the functionality of any calculator on our Platform.

7 How to Control & Opt Out of Cookies

You have the right to decide whether to accept or reject non-essential cookies. The following opt-out mechanisms are available to you. Disabling analytics or advertising cookies will not affect the functionality of any of our 200+ financial calculators.

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Google Personalized Ads Opt-Out
Visit Google’s My Ad Center to manage your personalized advertising preferences across all Google products and partner sites, including USFinanceCalculators.com.
Manage Google Ads →
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DAA Industry-Wide Opt-Out
The Digital Advertising Alliance opt-out tool allows you to opt out of interest-based advertising from dozens of participating companies simultaneously.
DAA Opt-Out Tool →
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Google Analytics Opt-Out
Install Google’s official browser add-on to prevent GA4 from collecting data about your visits to USFinanceCalculators.com and all other websites using Google Analytics.
GA4 Opt-Out Add-On →
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Network Advertising Initiative
The NAI opt-out tool provides an additional opt-out mechanism for network advertising members. Covers multiple advertising networks beyond Google.
NAI Opt-Out Tool →

8 Browser-Level Cookie Controls

Every major browser provides built-in controls that allow you to view, manage, block, or delete cookies. Here are direct links to cookie management instructions for the most common browsers:

  • Google Chrome: chrome://settings/cookies or via Settings → Privacy & Security → Cookies
  • Mozilla Firefox: Firefox Cookie Settings — Options → Privacy & Security → Cookies
  • Apple Safari (macOS): Safari → Preferences → Privacy → Manage Website Data
  • Apple Safari (iOS): Settings → Safari → Block All Cookies
  • Microsoft Edge: edge://settings/cookies — Settings → Privacy, Search & Services → Cookies
  • Opera: Settings → Advanced → Privacy & Security → Cookies

Please note that blocking all cookies through browser settings may affect the functionality of many websites you visit — not just USFinanceCalculators.com. For a targeted approach, we recommend using the specific opt-out tools listed in Section 7 rather than a global browser cookie block.

✅ Calculator Functionality With Cookies Disabled
Unlike many websites, all 200+ financial calculators on USFinanceCalculators.com will continue to work normally even with advertising and analytics cookies fully disabled. This is because our calculator logic runs entirely in your browser’s JavaScript engine — no cookie, session, or server interaction is required for any calculation. Only basic essential cookies (which cannot be meaningfully blocked without affecting all sites) are involved in core page navigation.

9 Updates to This Cookie Policy

MAFHH INTERNATIONAL LTD will update this Cookie Policy from time to time to reflect changes in the cookies we use, changes in applicable law, changes in Google’s AdSense or Analytics products, or changes to our Platform architecture. When we make material updates, we will update the “Last Updated” date at the top of this page.

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies. Your continued use of USFinanceCalculators.com after any update constitutes your acceptance of the revised Cookie Policy.

⚠️ Version History
March 2026 — Comprehensive update: Added full cookie disclosure table with retention periods (Section 4), expanded financial data and cookies commitment (Section 2), added separate Google Analytics 4 section (Section 6), added four opt-out mechanism cards (Section 7), added browser-level controls section (Section 8). Original cookie policy published at site launch in 2024.

10 Contact Us About Cookies

If you have any questions about our use of cookies, the data they collect, your opt-out rights, or this Cookie Policy in general, please contact us through any of the following channels:

We aim to respond to all cookie-related inquiries within 24–48 business hours.

Data Controller: MAFHH INTERNATIONAL LTD  |  Website: usfinancecalculators.com  |  Policy last reviewed: March 2026  |  Related: Privacy Policy · Terms & Conditions

Common Questions

Cookie Policy — Frequently Asked Questions

No — absolutely not. All calculator logic on USFinanceCalculators.com runs entirely client-side in your browser via JavaScript. Your income figures, loan amounts, tax data, credit scores, and all other personal financial inputs are never written to any cookie, localStorage, sessionStorage, or server-side database. When you close a calculator tab, your inputs are permanently cleared. The cookies on this Platform relate exclusively to site functionality, analytics, and advertising — never to your financial calculations.
Google AdSense advertising is the sole revenue source that allows MAFHH INTERNATIONAL LTD to offer 200+ financial calculators permanently free of charge — with no subscription, no paywall, and no account requirement. Without advertising revenue, maintaining this platform would require either charging users or monetizing their data (which we refuse to do). We disclose our advertising cookies fully and provide opt-out options because transparency is a core commitment of this Platform.
You have four opt-out options: (1) Visit Google’s My Ad Center at myadcenter.google.com to manage Google advertising preferences; (2) Use the DAA opt-out tool at aboutads.info/choices for industry-wide opt-out; (3) Use the NAI opt-out tool at optout.networkadvertising.org; (4) Manage cookies directly through your browser settings (Chrome, Firefox, Safari, Edge). All four options are available via the Quick Opt-Out Links in the sidebar or in Section 7 of this policy.
Yes. All 200+ calculators on USFinanceCalculators.com will continue to function normally with analytics and advertising cookies disabled, because all calculation logic runs in your browser’s JavaScript engine with zero dependency on cookies or server-side processing. Only basic essential cookies (involved in standard page navigation and WordPress session management) are tied to core site functionality, and these cannot be meaningfully targeted without affecting all websites you visit.
The DoubleClick cookie (specifically the “IDE” cookie) is placed by Google LLC and is used to register and report user interactions with advertisements — such as viewing or clicking an ad. It enables Google’s advertising network to track ad performance, measure conversion rates, and serve retargeted advertisements across websites. The DoubleClick IDE cookie persists for 13 months. You can opt out of the DoubleClick cookie through Google’s My Ad Center at myadcenter.google.com.
Google Analytics 4 uses several cookies with different retention periods: the _ga cookie (which distinguishes unique users) persists for 2 years; the _ga_[ID] session state cookie also persists for 2 years; the _gid cookie (daily active user tracking) expires after 24 hours; and the _gat throttling cookie expires after 1 minute. All GA4 data collected on this Platform is anonymized through IP truncation before processing.
MAFHH INTERNATIONAL LTD is the data controller for first-party cookies (WordPress session and navigation cookies) set directly by USFinanceCalculators.com. Google LLC is the data controller for third-party cookies set by Google Analytics 4 and Google AdSense/DoubleClick. Google processes third-party cookie data under its own Privacy Policy, available at policies.google.com/privacy.
USFinanceCalculators.com serves users in the United States, where federal cookie consent law is not currently as prescriptive as the EU’s GDPR/ePrivacy Directive. We provide full cookie disclosure through this Cookie Policy, quick opt-out links in the sidebar of this page, and links to Google’s Ad Settings and the DAA opt-out tool throughout our Platform. If you are visiting from the EU/EEA/UK, additional GDPR consent mechanisms may apply per Google’s EU User Consent Policy.

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