Privacy Policy

1. Zero Financial Data Transmission (Client-Side Architecture)

We respect and prioritize your privacy. Unlike traditional cloud-backed financial tools, none of the financial figures you input—including principal balances, interest rates, incomes, recurring contribution schedules, or loan details—are ever transmitted to, processed by, or stored on our servers.

All calculations, mathematical projections, and interactive charts execute locally within your browser's private memory sandbox. Calculator inputs are synchronized solely to the URL query string in your browser's address bar to enable bookmarking and link sharing; they are not stored on our servers or in any persistent database. When you refresh the page, the calculator reloads your active parameters from the URL. Closing the browser tab or clearing the query string resets the calculator to its default values.

2. Log Data and Analytics

Like most web applications, our hosting and CDN infrastructure (such as Cloudflare) may collect standard server log information that your browser sends when visiting the site. This Log Data may include your IP address, browser type and version, referral URL, page access timestamps, and time spent on pages. This information is strictly used to monitor aggregated network performance, defend against DDoS attacks, and maintain uptime.

We use Google Analytics (specifically GA4) to measure site traffic and understand how visitors navigate through our pages. Google Analytics collects aggregated metrics such as pages viewed, approximate geographic location, device and browser type, and referral source. Google Analytics uses cookies or similar identifiers to collect this data, and the information is processed by Google.

In our implementation, Google Analytics runs inside a background Web Worker via Partytown and is restricted to execute only on our production domain. By default in GA4, IP addresses are automatically anonymized. We have not enabled Google Signals, ad personalization, or remarketing features in our codebase. Crucially, the financial numbers, inputs, and projection results you enter into our calculators are never tracked or sent to Google Analytics.

For more details on how Google processes your data, please review Google's Privacy Policy. To opt out of having your activity tracked by Google Analytics across websites, you can install the Google Analytics Opt-out Browser Add-on.

3. Cookies

Cookies are small data files placed on your device to identify your browser session. This site does not display third-party advertising.

We do not set first-party advertising or marketing cookies. When you visit the site, Google Analytics sets standard operational cookies (such as _ga and _ga_*) to distinguish individual visitors and maintain session state across page loads. These cookies do not store personal identification or financial calculator inputs. You can manage or disable cookies at any time through your browser settings.

4. Local Storage

We use your web browser's local storage (localStorage) strictly to preserve your selected display theme preference (light mode, dark mode, or system default). This allows the site to load with your preferred theme without visual flickering. No personal data, cookies, or financial calculation inputs are stored in local storage or session storage.

5. Security

We strive to implement commercially acceptable security measures to safeguard the website, including enforcing HTTPS encryption across all connections. However, please remember that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. External Links

Our platform may contain links to external third-party websites or financial resources. If you click on a third-party link, you will be directed to that external site. We do not operate or control these third-party platforms and assume no responsibility for their content, policies, or practices. We encourage you to review the individual privacy policies of any third-party websites you visit.

7. Children's Privacy

Our services are not intended for children under the age of 13. We do not knowingly collect or solicit personally identifiable information from anyone under 13. If you believe that a child has provided us with personal information, please contact us at support@thecompoundingcalculator.com so that we can promptly remove it.

8. Who We Are

The Compounding Calculator is operated by nixxgh. If you have questions about this Privacy Policy, data privacy practices, or wish to submit a privacy-related inquiry, please contact us at support@thecompoundingcalculator.com.

9. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at our discretion. Any revisions will be posted directly on this page with an updated revision date and will become effective immediately upon posting.