Privacy Policy
Your privacy is our priority. Learn how we protect and handle your information.
Introduction
Last Updated: December 1, 2024
Welcome to CreditUtilizationCalculator.com ("we," "our," or "us"). We are committed to protecting your privacy and ensuring transparency about how we handle your information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.
By using CreditUtilizationCalculator.com, you consent to the data practices described in this policy. If you do not agree with any part of this policy, please discontinue use of our website.
Information We Collect
Personal Information
We collect information that you voluntarily provide when using our calculator tools, including:
- Financial Data: Credit card balances, credit limits, and utilization ratios (processed locally in your browser)
- Contact Information: Email address when you contact us for support
- Technical Data: IP address, browser type, device information
Automatically Collected Information
We automatically collect certain information when you visit our website:
- Usage data and analytics
- Cookies and similar tracking technologies
- Log files and diagnostic data
Important: All credit card calculations happen locally in your browser. We never store your sensitive financial information on our servers.
How We Use Your Information
| Purpose | Legal Basis (GDPR) |
|---|---|
| Provide and maintain our services | Performance of contract |
| Improve user experience | Legitimate interests |
| Communicate with users | Consent/Legitimate interests |
| Comply with legal obligations | Legal obligation |
| Personalize content and ads | Consent |
Cookies and Tracking Technologies
Types of Cookies We Use
- Essential Cookies: Necessary for website functionality
- Analytics Cookies: Help us understand how visitors interact with our website
- Advertising Cookies: Used by Google AdSense to serve relevant ads
- Preference Cookies: Remember your settings and preferences
Third-Party Services
We use the following third-party services that may place cookies:
- Google Analytics: For website analytics and performance monitoring
- Google AdSense: For displaying relevant advertisements
- Google reCAPTCHA: For spam protection and security
By using our website, you consent to the use of cookies in accordance with this Privacy Policy. You can manage your cookie preferences through your browser settings.
Data Sharing and Disclosure
We Do Not Sell Your Data
We do not and will never sell your personal information to third parties. We may share information in the following circumstances:
- Service Providers: With trusted partners who assist in website operations
- Legal Requirements: When required by law or to protect our rights
- Business Transfers: In connection with a merger or acquisition
- With Your Consent: When you explicitly authorize disclosure
International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international data transfers in compliance with GDPR requirements.
Your Rights (GDPR & CCPA)
Right to Access
You have the right to request copies of your personal data that we hold.
Right to Rectification
You can request correction of inaccurate or incomplete personal data.
Right to Erasure
You may request deletion of your personal data under certain conditions.
Right to Restrict
You can request restriction of processing your personal data.
Right to Data Portability
You have the right to receive your data in a structured, machine-readable format.
Right to Object
You may object to the processing of your personal data for specific purposes.
California Privacy Rights (CCPA)
California residents have the right to:
- Know what personal information is collected, used, shared, or sold
- Delete personal information
- Opt-out of the sale of personal information
- Non-discrimination for exercising CCPA rights
To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within 30 days.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- SSL encryption for data transmission
- Regular security assessments and updates
- Limited access to personal information
- Secure server infrastructure
- Regular data backup procedures
While we implement robust security measures, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your information.
Data Retention
We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specific retention periods include:
- Analytics Data: 26 months
- Contact Information: Until you request deletion
- Server Logs: 12 months
- Cookie Data: As specified in our Cookie Policy
Children's Privacy
Our website is not intended for children under the age of 16. We do not knowingly collect personal information from children under 16. If you believe we have collected information from a child under 16, please contact us immediately, and we will take steps to remove that information.
Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:
- Posting the updated policy on this page
- Updating the "Last Updated" date
- Providing prominent notice on our website for significant changes
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
Email: privacy@creditutilizationcalculator.com
We typically respond to privacy-related inquiries within 3-5 business days.