Privacy Policy

Last updated 24 July 2026

The short version

Calculator inputs never leave your browser. We set no cookies, run no advertising trackers, and store no persistent identifier for you. The only personal data we ever receive is what you deliberately type into the contact form.

Calculator inputs

Every calculation on this site is performed locally in your browser using JavaScript. Amounts, rates, years, cash flow projections and every other figure you enter are never transmitted to our servers, never written to a log, and never stored.

If you use the share button, your inputs are encoded into the URL you copy. That link is generated in your browser; we do not receive or record it. Treat a shared link as public — anyone holding it can see the values in it.

The contact form

If you contact us, we receive the email address you supply, the category you pick, and the message you write. We use them solely to read and reply to your message.

Messages are delivered by email and are not written to a database. Please do not send account numbers, passwords, national identifiers or other sensitive details through this form.

Submission is protected by Cloudflare Turnstile, an anti-spam check chosen because it does not track visitors across sites. Its script loads only when you open the contact form.

Server logs

Our hosting provider keeps standard web server logs, which include IP addresses and requested URLs, for operational security and troubleshooting. These are ordinary infrastructure logs and are not combined with contact messages or used to build a profile of you. Calculator inputs never appear in them, because they are never sent.

Cookies and analytics

This site sets no cookies and uses no analytics product that identifies individual visitors.

Your rights and contact

Because we store almost nothing, there is usually nothing to export or erase. If you have sent us a message and would like the email deleted, use the contact form and ask; we will delete it and confirm.