Effective date: July 5, 2026
Calculator inputs (country, scenario, years, credit years) are used to compute your result. They are not tied to your identity.
Email address — only if you voluntarily subscribe for updates. We use it solely to send the content you asked for; unsubscribe anytime.
Order information — if you buy a report, payment is handled by our merchant of record, Paddle. We never see or store your card details. We keep a record of the order (country, scenario, status) to deliver and support your purchase.
We do not sell or rent personal data. We do not run third-party tracking pixels for advertising networks on our own behalf. We do not collect more than the Service needs to function.
The core Service works without tracking cookies. If we display ads (e.g., Google AdSense), Google and its partners may use cookies to serve ads based on your visits; you can opt out of personalized advertising at Google Ads Settings. Payment pages may set cookies required by Paddle to process transactions.
We rely on: Vercel (hosting), Paddle (payments, as merchant of record), and Supabase (database for orders and subscriptions). Each processes data only to provide its service to us.
We keep order records as long as needed for support, accounting, and legal obligations, and subscription emails until you unsubscribe. You may request access to or deletion of your personal data at any time by emailing us; we will respond within 30 days.
If this policy changes materially, we will update this page and its effective date.
Privacy questions or requests: kmg0662@gmail.com.