Last updated: 2026-05-19
This policy explains what data FinCalcHub collects, how cookies and advertising work, who the third-party vendors are, and your rights under GDPR, UK PECR, CCPA / CPRA, and equivalent laws.
FinCalcHub is operated by James Blanckenberg as a sole-operator publication. The site does not require an account or sign-up to use any calculator. For data-protection enquiries, contact [email protected].
Every calculator runs entirely in your browser. Income, savings, mortgage amounts, retirement projections, and any other figures you enter are never transmitted to our servers and never written to any database. The only persistent value the calculators store is your region preference (USA / UK / SA), saved in your browser's local storage so the calculator opens to the right currency next time.
We use cookies and equivalent technologies (local storage, session storage) for three purposes:
Reopen the consent dialog at any time via the Your Privacy Choices footer link to change your choices or withdraw consent.
The following third-party services may process limited data about your visit. Each operates under its own privacy policy.
When marketing consent is granted, Google and its ad-tech partners may show advertising based on your prior visits. You can opt out of personalised advertising in several ways:
If you are in the EU, UK, or EEA you have the right to access, correct, delete, port, or restrict processing of your personal data; to object to processing based on legitimate interests; and to lodge a complaint with your supervisory authority. To exercise any of these rights, email [email protected]. Because we do not maintain user accounts, we will typically only hold consent-record metadata and any email address you submitted to the newsletter — we will identify you by that email.
California residents have the right to know what categories of personal information are collected, to request deletion, to opt out of the sale or sharing of personal information for cross-context behavioural advertising, and to not be discriminated against for exercising these rights.
To opt out of the sale or sharing of your information for cross-context behavioural advertising, click Your Privacy Choices in the footer, or send a verified opt-out request to [email protected]. We also honour the Global Privacy Control (GPC) browser signal automatically.
FinCalcHub is not directed at children under 13 (USA) or 16 (EU/UK). We do not knowingly collect data from children. If you believe we have inadvertently collected such data, please contact us and we will delete it.
The third-party vendors listed above (notably Google, Microsoft, and Cloudflare) operate globally and may transfer data to data centres in the United States or other jurisdictions. Each vendor maintains its own Standard Contractual Clauses (SCCs) or equivalent transfer mechanism under GDPR Article 46.
We update this policy when new services are added or laws change. Substantive updates are reflected in the “Last updated” date at the top, and material changes (new categories of data, new vendors) trigger a re-prompt from the consent banner.
Privacy questions, data-subject requests, complaints: [email protected].
FinCalcHub does not maintain user accounts, store calculator inputs server-side, or build behavioural profiles on individual users. Every calculator on the site runs entirely in your browser — the salary, savings balance, debt total, or any other number you type stays in your local browser session and never reaches our servers. We rebuild the calculators this way deliberately so that the only privacy promise to verify is the third-party ad and analytics stack, not a custom backend.
We also do not sell email addresses, share data with affiliate networks, or operate any "data partnership" with credit bureaus, lenders, or insurance brokers. Some calculator sites in this niche fund themselves by passing user-entered figures (income, debt, savings goal) to lead-generation partners; we don't, and the technical architecture makes it impossible. Any future change to that architecture would require a re-prompt of every visitor through the consent banner with new categories visible.
Consent records (the IAB TCF v2.3 string that captures your choices) are retained for 13 months by Google Funding Choices, which is the standard CMP lifetime under the framework. Google Analytics 4 retains aggregated event data for 14 months by default, after which it is deleted automatically. Microsoft Clarity session recordings are retained for 30 days. Plausible Analytics retains aggregate page-view counts indefinitely but stores no identifying data on individual sessions. Beehiiv retains subscriber email addresses until you unsubscribe.
Server logs from Cloudflare retain standard request metadata (IP, User-Agent, timestamp) for a short security window — typically 7–14 days for traffic management and DDoS protection purposes. After that retention period the underlying log entries are aggregated into anonymous metrics and the raw records deleted. None of this data is cross-referenced with anything you might submit through the newsletter form.
The optional newsletter form in the site footer sends only your email address (and, if you choose, a region preference) to Beehiiv. Each newsletter contains an unsubscribe link in the footer that works in one click without password or login. Unsubscribing removes your email from the active list immediately; Beehiiv keeps a suppression record (the email plus a "do not send" flag) so we never email you again, but the address is not used for any other purpose. Newsletters are sent at most once a fortnight and never more than once a week.
The IAB Transparency and Consent Framework version 2.3 governs our consent management. Google Funding Choices, our CMP, is certified under TCF v2.3 by the IAB Europe Compliance Programme. The framework's specifications, including how purposes and vendors are described to users, are available at iabeurope.eu/tcf-2-3. GDPR Article 46 transfer mechanisms used by Google, Microsoft, and Cloudflare are referenced in each vendor's separately published Data Protection Addendum, linked from their primary privacy policies above.