Privacy Policy

Effective Date: March 1, 2026

At CD Calculator ("we," "our," or "the website"), accessible from https://cdcalculator.info, we are committed to protecting your personal privacy. This Privacy Policy explains what information we collect, how it is used, and the measures we take to keep your information secure.

1. Client-Side Financial Calculations

Your privacy is built directly into our tool architecture:

  • Local Browser Execution: All financial calculations — including deposit amounts, APY rates, investment terms, and projected balances — are computed entirely within your web browser.
  • No Financial Data Collection: We do not capture, log, store, or transmit any numbers you enter into our calculation tools to our servers or third parties.
  • No Account Required: You can use all our calculators and guides freely without registering an account or providing financial credentials.

2. Information We Collect

We collect only minimal information necessary to deliver and maintain our website:

  • Server Log Data: When you visit our website, our hosting infrastructure may record standard web request information such as your IP address (anonymized), browser type, referring pages, device operating system, and date/time stamps for security and diagnostics.
  • Voluntary Inquiries: If you contact us via our Contact Form or email, we receive your name, email address, and message contents solely to respond to your inquiry.

3. Cookies and Browser Web Storage

We use cookies and HTML5 local storage strictly for essential website functionality:

  • Preference Storage: We use local browser storage to save your selected language and to remember whether you accepted our cookie consent banner.
  • No Cross-Site Tracking: We do not use first-party cookies to track your activity across unrelated websites.

For detailed information regarding our storage mechanisms and instructions on how to manage them, please review our dedicated Cookies Policy.

4. Third-Party Services and Advertising Disclosures

We work with reputable third-party service providers to support our operations:

  • Hosting and Infrastructure: Our site is deployed on secure cloud hosting (Vercel) to deliver fast, reliable global access.
  • Web Fonts: We utilize Google Fonts to display clean, legible typography across all devices.
  • Google AdSense & Third-Party Advertising: When advertising is enabled, third-party vendors, including Google, may use cookies (such as the DoubleClick cookie) to serve ads based on your prior visits to this website or other websites on the internet. You can manage or opt out of personalized advertising by visiting Google Ads Settings or AboutAds.info.

5. Your Privacy Rights (GDPR, CCPA & Global Protections)

Depending on your jurisdiction, you may have legal rights regarding your personal information, including:

  • The right to access the personal information we hold about you.
  • The right to request correction or deletion of your personal data.
  • The right to object to or restrict certain data processing activities.
  • The right not to be discriminated against for exercising your privacy rights.

6. Children's Privacy

CD Calculator is intended for a general audience. We do not knowingly collect or solicit personal identifiable information from children under the age of 13. If you believe a child has submitted personal data to us, please contact us immediately for prompt deletion.

7. Policy Updates & Contact

We may update this Privacy Policy periodically to reflect technological or regulatory changes. Any revisions will be published on this page with an updated effective date.

If you have questions or concerns regarding this Privacy Policy, please contact our privacy team at contact@cdcalculator.info or reach out through our Contact Us page.