Home › Privacy Policy
🔒 Privacy-First Financial Platform

Privacy Policy
Your Data. Your Control. Always.

USFinanceCalculators.com was built on a foundational commitment: your personal financial data should never leave your browser. This Privacy Policy explains exactly what data we collect, what data we do not and cannot collect, who processes it, your complete rights under applicable U.S. law, and how to exercise those rights at any time.

Operated by: MAFHH INTERNATIONAL LTD
Last Updated: March 2026
Laws Covered: CCPA/CPRA, COPPA, CalOPPA, FTC Act
Financial Data Collected: Zero — None, Ever
🔒 THE ZERO-TRACKING FINANCIAL DATA GUARANTEE: All 200+ calculators on USFinanceCalculators.com run entirely client-side in your browser. Your income, loan amounts, tax data, credit scores, business revenue, and all other personal financial inputs are never transmitted to our servers, never stored, never sold, and never shared with lenders or financial institutions — under any circumstances. When you close a calculator tab, your inputs are permanently cleared.
🔒 Zero financial data transmitted or stored
🚫 No data sold — ever, to anyone
⚖️ CCPA/CPRA compliant — full California rights
👦 COPPA compliant — no children’s data collected
📋 Cookie Policy  |  Disclaimer
🧮
Calculator Data: Never Collected
All calculation logic runs locally in your browser. Financial inputs never leave your device. Our servers receive zero personal financial data — architecturally impossible by design.
📊
Analytics: Anonymized Aggregate Only
Google Analytics 4 collects anonymized usage data (which calculators are visited, session duration, device type). IP addresses are truncated before processing. No personal identifiers collected.
📢
Advertising: Google AdSense Only
Display advertising via Google AdSense is our sole revenue mechanism. Advertising cookies are fully disclosed in our Cookie Policy with complete opt-out instructions.
🚫
Data Sales: None — Zero
MAFHH INTERNATIONAL LTD does not sell, share for cross-context behavioral advertising, or transfer personal information to any third party for commercial benefit — period.
📋 Table of Contents
  1. Introduction — Scope & Who We Are
  2. The Zero-Tracking Financial Data Guarantee
  3. Information We Do Collect
  4. Complete Data Collection Disclosure Table
  5. How We Use Collected Information
  6. Data Sharing & Third Parties
  7. Google AdSense & Third-Party Advertising
  8. Google Analytics 4
  9. Contact Form Data
  10. Data Retention
  11. Data Security
  12. California Privacy Rights (CCPA / CPRA)
  13. Children’s Privacy (COPPA)
  14. Do Not Track (CalOPPA)
  15. Third-Party Links
  16. Updates to This Privacy Policy
  17. Contact the Privacy Team

0 Introduction — Scope & Who We Are

This Privacy Policy describes the information practices of MAFHH INTERNATIONAL LTD (“we,” “us,” or “our”), the technology and data publishing company that owns and operates USFinanceCalculators.com (the “Platform” or “Site”).

This policy applies to all users who access USFinanceCalculators.com from any device, anywhere in the United States. It governs all personal information processed in connection with your use of our financial calculator tools, our contact forms, and our website in general.

This Privacy Policy should be read together with our Cookie Policy, Financial & Legal Disclaimer, and Terms & Conditions, each of which forms part of our complete legal framework.

✅ The Most Important Thing You Need to Know
Your personal financial data — income, loan amounts, mortgage figures, credit scores, tax information, retirement balances, business revenue, and all other sensitive financial inputs you enter into any calculator — is processed entirely within your own browser and is never transmitted to us. We designed the Platform this way deliberately, because financial privacy is not a feature — it is a foundational right.

1 The Zero-Tracking Financial Data Guarantee

USFinanceCalculators.com’s calculators are built using a client-side JavaScript architecture. Every calculation — from a 30-year mortgage amortization to a Roth IRA contribution limit check to a business break-even analysis — executes entirely within your browser’s JavaScript engine.

What “Client-Side Only” Means Technically

  • No network requests containing financial data: When you enter a number into a calculator field and click “Calculate,” the browser performs the computation locally. No HTTP request containing your financial input is sent to our server or any third-party server
  • No cookies written with financial data: Calculator inputs are never written to any cookie, localStorage, sessionStorage, or IndexedDB entry — even temporarily
  • No server-side logging of inputs: Our web server logs record only standard technical metadata (IP address, page URL, timestamp) — never the values you enter into calculator fields
  • Data cleared on page refresh or close: Calculator inputs exist only in your browser’s working memory (RAM) during your session. They are permanently deleted when you close the tab, refresh the page, or navigate away
  • No cross-device sync: We have no mechanism to synchronize your calculation history across devices because we never receive or store it in the first place
ℹ️ Why This Architecture Was Chosen
Many competing financial calculator platforms use server-side processing, which means your income, credit score, and loan amounts travel across the internet to a third-party server where they can be logged, profiled, and sold to lenders as mortgage leads. USFinanceCalculators.com was specifically architected to prevent this. Client-side computation is not just more private — it is also faster, works offline, and requires no login. Your financial data is your own.

2 Information We Do Collect

While we collect zero personal financial data from your calculator usage, we do collect the following categories of operational data to keep the Platform functioning and free:

2a — Server Log Files

Like virtually all web servers, our hosting infrastructure automatically records standard server log entries when your browser requests a page. Log file data includes:

  • IP address (used for security and fraud prevention — not cross-referenced with calculator usage)
  • Browser type and version (used for cross-browser compatibility testing)
  • Internet Service Provider (ISP)
  • Date and timestamp of the request
  • Referring URL (the page you were on before clicking a link to our site)
  • Pages visited and URLs requested (which calculator pages you viewed — not what you entered into them)

Server log data is retained for up to 90 days for security purposes and is then automatically purged. It is not linked to any personally identifiable user profile.

2b — Contact Form Submissions

If you voluntarily contact us through our Contact Us page or via email, we collect:

  • Your name (as provided by you)
  • Your email address (required to respond)
  • The contents of your message (support request, bug report, business inquiry, etc.)

Contact form data is used solely to respond to your inquiry. It is not added to any marketing list, not sold to third parties, and not used for any purpose other than the direct response to your message. We retain contact form submissions for up to 24 months for customer service continuity purposes.

2c — Analytics Data (via Google Analytics 4)

We use Google Analytics 4 to collect anonymized aggregate data about Platform usage. See Section 7 — Google Analytics 4 for full details.

2d — Advertising Data (via Google AdSense)

Google AdSense places cookies on your device for advertising purposes. See Section 6 — Google AdSense and our Cookie Policy for full details.

3 Complete Data Collection Disclosure Table

The following table provides a comprehensive, plain-English summary of all data categories, their source, our legal basis for processing, retention period, and whether the data is shared with third parties:

Data Category Source We Collect? Purpose Retention Shared?
Calculator financial inputs
(income, loan amounts, credit scores, tax data, etc.)		 User — browser only NO — Never N/A — processed client-side only, never transmitted None Never
Server log data
(IP address, browser, ISP, timestamp, pages visited)		 Automatic — web server YES — Auto Security, fraud prevention, uptime monitoring 90 days No
Contact form data
(name, email, message)		 User — voluntary YES — Voluntary Responding to your inquiry only 24 months No
Analytics data
(anonymized: page views, session data, device type, approximate geo)		 Automatic — Google Analytics 4 YES — 3rd Party Platform improvement, usage analytics 14 months (GA4 default) Google LLC only
Advertising / behavioral data
(cookies for ad targeting — set by Google AdSense)		 Automatic — Google AdSense / DoubleClick YES — 3rd Party Serving relevant display advertisements Varies (see Cookie Policy) Google LLC only
Precise geolocation N/A NO — Never We do not request or process precise location data None Never
Payment / financial account data N/A NO — Never We do not process payments; no financial accounts connected None Never
Biometric / sensitive personal information N/A NO — Never Not collected under any circumstance None Never

4 How We Use Collected Information

The limited operational data we collect is used exclusively for the following purposes:

  • Server log data: Security monitoring, fraud and abuse prevention, server performance and uptime monitoring, and diagnosing technical errors — never for profiling users or building behavioral data sets
  • Contact form data: Responding directly to your inquiry, bug report, business question, or feedback — and for no other purpose
  • Google Analytics data: Understanding which calculators are most used, identifying technical issues, measuring Platform performance, and prioritizing new tool development — never for creating personal profiles linked to individual users
  • Google AdSense data: Serving contextually relevant display advertisements that fund the free operation of this Platform — managed entirely by Google’s automated systems, not by MAFHH INTERNATIONAL LTD

We do not use any collected data for email marketing, push notifications, retargeting campaigns, lead generation, financial product referrals, user profiling, or any purpose not explicitly described above.

5 Data Sharing & Third Parties

MAFHH INTERNATIONAL LTD does not sell, rent, trade, or transfer personal information to outside parties for their direct commercial benefit. The only third-party data sharing that occurs on USFinanceCalculators.com is:

  • Google LLC — Google Analytics 4: Anonymized aggregate usage data is processed by Google Analytics 4. Google processes this data as a data processor under its Privacy Policy. We have a Google Analytics data processing agreement in place. No personal financial data is included in analytics data.
  • Google LLC — Google AdSense / DoubleClick: Advertising cookies are managed by Google’s AdSense platform. See Section 6 for full details. Google processes advertising data as an independent data controller for its advertising products.

No lender, insurance company, investment firm, broker, financial advisor, credit bureau, data broker, employer, government agency, or any other party ever receives any data collected from USFinanceCalculators.com — except as may be required by valid legal process (court order, subpoena) from a U.S. court of competent jurisdiction, in which case we will notify you to the extent permitted by law.

⚠️ Why This Matters for a Financial Platform
Many “free” financial calculator websites generate revenue by transmitting your income, loan amounts, and credit score estimates to lenders as pre-qualified mortgage or personal loan leads — earning $20–$200 per lead. This is possible because their calculators use server-side processing. USFinanceCalculators.com’s client-side architecture makes this technically impossible. We cannot sell what we never receive.

6 Google AdSense & Third-Party Advertising

📢 Google AdSense — Required Privacy Disclosure
As required by Google’s AdSense program policies and the FTC’s online advertising disclosure guidelines, USFinanceCalculators.com uses Google AdSense to display advertisements, which involves the following third-party data practices:
  • 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
  • Google may use the DoubleClick cookie and similar technologies to measure ad performance, prevent the same ad from showing too often, and detect fraud
  • Google AdSense advertising data is entirely separate from your calculator inputs. Google’s systems have no access to any financial data you enter into our calculators
  • You may opt out of personalized advertising by visiting Google’s My Ad Center or the Digital Advertising Alliance tool at aboutads.info/choices
For a complete list of AdSense cookies, retention periods, and all opt-out mechanisms, see our Cookie Policy.

7 Google Analytics 4

We use Google Analytics 4 (GA4) to collect anonymized, aggregate data about how users interact with our Platform. This helps us understand which calculator categories are most useful, identify technical issues, and make informed decisions about new tool development.

What GA4 Collects on USFinanceCalculators.com

  • Pages visited and calculator categories accessed (but not the values entered into calculators)
  • Approximate geographic location at the country and state level (not precise geolocation)
  • Device type (desktop, mobile, tablet) and browser type
  • Session duration and pages per session
  • Traffic source (organic search, direct, referral)

Our GA4 Privacy Configuration

  • IP anonymization is enabled: IP addresses are truncated by GA4 before any geographic data is stored — we never see full IP addresses in GA4 reports
  • Data retention is set to 14 months (GA4 default minimum) — automatically purged by Google after this period
  • User ID tracking is disabled: We do not use GA4’s User ID feature, which would enable cross-device tracking of logged-in users
  • Advertising personalization features are disabled: We do not use GA4 Advertising features that would share analytics data with Google’s advertising products
ℹ️ GA4 Opt-Out
You can opt out of Google Analytics data collection across all websites by installing the Google Analytics Opt-Out Browser Add-On, available for Chrome, Firefox, Safari, Opera, and Edge. This does not affect any calculator functionality on our Platform.

8 Contact Form Data

When you submit our Contact Us form or email us directly at [email protected], we collect your name, email address, and the content of your message for the sole purpose of responding to your inquiry.

This data is:

  • Used exclusively to respond to your specific inquiry
  • Never added to any email marketing or newsletter list without your explicit separate consent
  • Never sold, shared, or transferred to any third party
  • Retained for up to 24 months for customer service continuity and then permanently deleted
  • Stored in our email/support system protected by industry-standard security measures

If you wish to have your contact form submission deleted before the standard 24-month retention period, please email [email protected] with the subject line “Data Deletion Request” and we will process your request within 30 days.

9 Data Retention

We retain different categories of data for different periods based on operational necessity:

  • Calculator financial inputs: Zero retention — not collected, not stored, never retained
  • Server log files: 90 days — automatically purged for security monitoring purposes
  • Contact form submissions: 24 months — retained for customer service continuity, then permanently deleted
  • Google Analytics data: 14 months — managed by Google LLC under their data retention settings; automatically purged by Google after this period
  • Google AdSense cookie data: Varies by cookie type — see our Cookie Policy for per-cookie retention periods

Upon receiving a valid deletion request from a California resident under CCPA/CPRA or any user with a legitimate privacy interest, we will process deletion of applicable personal information within 45 days, with a possible extension of an additional 45 days where necessary with notice to the requestor.

10 Data Security

MAFHH INTERNATIONAL LTD implements industry-standard technical and organizational security measures to protect the limited operational data we collect from unauthorized access, disclosure, alteration, or destruction:

  • HTTPS / TLS encryption: All data transmitted between your browser and USFinanceCalculators.com is encrypted using TLS (Transport Layer Security). Our site enforces HTTPS across all pages.
  • Client-side architecture: The most effective data security measure we employ is not collecting personal financial data in the first place. Data that is never transmitted cannot be intercepted, breached, or misused.
  • Server hardening: Our web infrastructure is maintained with current security patches, firewall protection, and access controls limiting server access to authorized personnel only.
  • Contact form data: Contact form submissions are transmitted via encrypted HTTPS and stored in access-controlled systems.
⚠️ Important Security Note
No method of data transmission over the Internet or electronic storage system is 100% secure. While we implement strong security practices for the operational data we do collect, the most important security protection on USFinanceCalculators.com is our client-side architecture — which ensures your financial data is never transmitted at all. We cannot be breached for financial data we do not possess.

11 California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have specific enforceable rights regarding your personal information under the California Consumer Privacy Act (CCPA) and its amendment, the California Privacy Rights Act (CPRA). These rights apply to the limited personal information MAFHH INTERNATIONAL LTD processes (server log data and contact form data, as described in Section 2 and Section 3 above).

🔍
Right to Know
You can request disclosure of the specific personal information we have collected about you, the categories of sources, the business or commercial purpose for collection, and the categories of third parties with whom it is shared.
CCPA § 1798.100
🗑️
Right to Delete
You can request that we delete personal information we have collected about you, subject to certain exceptions (such as security purposes and legal obligations). We will process deletion requests within 45 days.
CCPA § 1798.105
✏️
Right to Correct
You can request that we correct inaccurate personal information we have collected about you (a CPRA-added right effective January 2023). We will process correction requests within 45 days.
CPRA § 1798.106
🚫
Right to Opt-Out of Sale
You have the right to opt out of the sale of your personal information. MAFHH INTERNATIONAL LTD does not sell personal information. We natively comply with this right — no opt-out action is required.
CCPA § 1798.120
🛡️
Right to Limit Sensitive PI
You can direct us to limit use of sensitive personal information to necessary purposes only. We do not collect sensitive personal information (financial data, health data, biometrics, precise geolocation) — so this right applies to the extent of our contact form data only.
CPRA § 1798.121
⚖️
Right to Non-Discrimination
We will not discriminate against you for exercising any CCPA/CPRA right. You will not receive worse service, higher prices, or reduced access to calculators for exercising your privacy rights.
CCPA § 1798.125

How to Exercise Your California Privacy Rights

To submit a CCPA/CPRA rights request, contact us at:

We will respond to verifiable consumer requests within 45 days. Where necessary, we may extend this period by an additional 45 days with written notice. We may ask you to verify your identity before processing the request.

✅ CCPA / CPRA Native Compliance Note
Because MAFHH INTERNATIONAL LTD does not sell personal information, does not collect sensitive personal information (financial inputs never leave your browser), does not use personal information for cross-context behavioral advertising, and does not share data with third parties for commercial benefit, many CCPA/CPRA provisions apply only in theory to this Platform. We include full rights disclosures regardless, because California residents deserve to know their rights even when those rights require no active exercise.

12 Children’s Privacy (COPPA)

USFinanceCalculators.com is intended exclusively for adults making financial planning decisions. Our Platform does not knowingly collect, maintain, or use personal information from children under the age of 13 years, in compliance with the Children’s Online Privacy Protection Act (COPPA) and the updated 2025 COPPA Rule amendments published by the Federal Trade Commission (FTC) on April 22, 2025, with compliance required by April 22, 2026.

Our COPPA compliance includes the following practices:

  • Our Platform is not directed to children and does not use child-directed content, characters, or themes
  • We do not knowingly accept contact form submissions from children under 13
  • The 2025 COPPA Rule amendments expanded the definition of “personal information” to include biometric identifiers — we do not collect any such data from any user of any age
  • The 2025 amendments also expanded “online contact information” to include mobile phone numbers used for parental consent purposes — we do not collect phone numbers from any user
🚨 If You Believe a Child Has Submitted Information
If you are a parent or guardian and believe that a child under 13 has submitted personal information to USFinanceCalculators.com (via our contact form or email), please contact us immediately at [email protected] with the subject line “COPPA — Child Data Removal.” We will use our best efforts to promptly verify and delete all such information from our records within 5 business days of verification.

13 Do Not Track (CalOPPA)

Under the California Online Privacy Protection Act (CalOPPA), websites that collect personally identifiable information from California residents are required to state how they respond to “Do Not Track” (DNT) browser signals.

Our response to Do Not Track signals:

  • USFinanceCalculators.com does not currently alter its data collection practices in response to DNT browser signals, because there is no uniform industry standard for how DNT signals should be interpreted or honored
  • However, because our Platform collects zero personal financial data from calculator usage regardless of DNT signal status, the practical privacy impact of our DNT response on your financial data is zero
  • For analytics and advertising cookies, you can achieve the equivalent of DNT through the Google Analytics Opt-Out Add-On and the Google My Ad Center opt-out, both described in our Cookie Policy

15 Updates to This Privacy Policy

MAFHH INTERNATIONAL LTD will update this Privacy Policy as needed to reflect changes in our Platform, applicable law, or data practices. When material changes are made, the “Last Updated” date at the top of this page will be revised. We encourage you to review this Privacy Policy periodically.

✅ Version History
March 2026 — Comprehensive update: Added complete data collection disclosure table (Section 3); added GA4 privacy configuration details (Section 7); added 24-month contact data retention disclosure (Section 8); added data retention schedule (Section 9); added data security section (Section 10); expanded California rights section with 6 individual CPRA right cards and CCPA section references (Section 11); updated COPPA section to reflect 2025 FTC Rule amendments effective April 22, 2026 (Section 12); added CalOPPA Do Not Track response (Section 13). Original Privacy Policy published at site launch 2024.

16 Contact the Privacy Team

For any privacy-related questions, data access requests, deletion requests, or concerns about this Privacy Policy, please contact us:

We respond to all privacy inquiries within 24–48 business hours and will acknowledge formal rights requests within 10 business days with a timeline for resolution.

Data Controller: MAFHH INTERNATIONAL LTD  |  Website: usfinancecalculators.com  |  Email: [email protected]  |  Last Reviewed: March 2026  |  Related: Cookie Policy · Disclaimer · Terms & Conditions

Common Questions

Privacy Policy — Frequently Asked Questions

No — never. All 200+ calculators run entirely client-side in your browser via JavaScript. Your income, loan amounts, tax figures, credit scores, retirement balances, business revenue, and all other personal financial data are never transmitted to our servers, never stored in any database or cookie, and never shared with any third party. When you close a calculator tab, your data is permanently cleared from your browser’s working memory. Our servers never receive or possess your financial inputs.
No. MAFHH INTERNATIONAL LTD does not sell, share for cross-context behavioral advertising, or transfer personal information to any third party for their commercial benefit — as defined by CCPA/CPRA or any applicable law. The only third-party data processing is Google Analytics 4 (anonymized aggregate usage data) and Google AdSense (advertising cookies), both of which are fully disclosed in this Privacy Policy and our Cookie Policy. No lender, broker, insurance company, or financial institution ever receives any data from this Platform.
California residents have six rights under CCPA/CPRA: (1) Right to Know what personal information we collect; (2) Right to Delete personal information we hold; (3) Right to Correct inaccurate data (CPRA); (4) Right to Opt-Out of sale — we natively comply as we do not sell data; (5) Right to Limit use of Sensitive Personal Information — we do not collect financial inputs or other sensitive PI; (6) Right to Non-Discrimination for exercising these rights. Submit requests to [email protected]. We respond within 45 days.
Client-side architecture means that all calculator computation happens inside your own browser using JavaScript — not on our server. When you enter “$75,000 income” into a tax calculator, that number is never sent over the internet to us. The browser does the math locally and displays the result. This is fundamentally different from how many financial websites work, where your inputs are transmitted to a server (where they can be logged, sold as leads, or breached). Our architecture makes financial data collection technically impossible by design.
Google Analytics 4 on USFinanceCalculators.com collects anonymized aggregate data: which pages you visit, approximate location (country/state — not precise GPS), browser type, device type, session duration, and traffic source. IP addresses are truncated before storage through our IP anonymization configuration. GA4 never receives the values you enter into calculators, your name, email, or any personally identifiable information. You can opt out using the Google Analytics Opt-Out Browser Add-On at tools.google.com/dlpage/gaoptout.
To request deletion of any personal information MAFHH INTERNATIONAL LTD holds about you (server log data or contact form submissions), email [email protected] with the subject line “Data