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    Privacy Policy

    Last Updated: March 02, 2025

    Welcome to CalcMyBudget (accessible at calcmybudget.com). We value your privacy and are committed to protecting any information you share with us. This Privacy Policy explains how we collect, use, store, and protect your data when you visit our website or use our budgeting tools.

    1. Information We Collect

    We aim to keep data collection minimal and only gather what is necessary to improve your experience. We may collect:

    • Non-Personal Information:
      • Browser type, IP address, device type, and operating system (via analytics tools like Google Analytics).
      • Pages visited, time spent on the site, and referral sources.
    • Personal Information (if provided voluntarily):
      • Email address (e.g., if you contact us via our contact form).
      • Any data you enter into our budgeting calculators (e.g., income, expenses), which is processed locally on your device and not stored by us unless explicitly stated.

    We do not collect sensitive personal data (such as your name, address, or financial account details) unless you choose to share it with us directly.

    2. How We Use Your Information

    We use the data we collect to:

    • Provide and improve our free budgeting tools.
    • Analyze website usage to enhance performance and user experience (e.g., via aggregated, anonymized data).
    • Respond to inquiries or support requests if you contact us.
    • Comply with legal obligations, if applicable.

    3. Cookies and Tracking Technologies

    • Cookies: We use cookies to track website usage and improve functionality (e.g., remembering your preferences). These are typically analytics cookies from third-party services like Google Analytics.
    • How to Opt-Out: You can disable cookies through your browser settings. However, this may affect your experience on our site.

    4. Data Storage and Security

    • Local Processing: Data you enter into our budgeting calculators (e.g., income, expenses) is processed locally on your device and is not stored on our servers unless you explicitly save or submit it (e.g., via a premium feature, if added later).
    • Server Data: Any analytics data (e.g., IP address) is stored securely by third-party providers (like Google Analytics) and anonymized where possible.
    • Security: We implement reasonable measures to protect your data from unauthorized access, but no online system is 100% secure.

    5. Third-Party Services

    We may use third-party services, including:

    • Google Analytics: To track website traffic and usage patterns (anonymized data).
    • Hosting Providers: To store website content (e.g., SiteGround, Bluehost).
    • These third parties have their own privacy policies, which we encourage you to review.

    6. Sharing Your Information

    We do not sell, trade, or share your personal information with third parties, except:

    • To comply with legal requirements (e.g., court orders).
    • With service providers who assist us in operating the site (e.g., hosting, analytics), under strict confidentiality agreements.

    7. Your Rights

    Depending on your location (e.g., EU under GDPR, California under CCPA), you may have rights to:

    • Access, correct, or delete any personal data we hold about you.
    • Opt-out of data collection (e.g., disabling cookies). To exercise these rights, contact us at [insert email, e.g., contact@calcmybudget.com].

    8. Children’s Privacy

    Our website is not intended for children under 13. We do not knowingly collect data from children. If you believe we have such data, please contact us immediately.

    9. Changes to This Privacy Policy

    We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last Updated” date. We encourage you to review it periodically.

    10. Contact Us

    If you have questions or concerns about this Privacy Policy, please reach out to us:

    Thank you for trusting CalcMyBudget. We’re here to help you manage your finances with peace of mind!