Privacy Policy

Last Updated: November 6, 2025

At Lumpsum Calculator, we are committed to protecting your privacy and being transparent about how we handle your data. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.

1. Introduction

This Privacy Policy applies to all users of lumpsum-calculator.com (the "Website"). By using our Website, you agree to the collection and use of information in accordance with this policy. We reserve the right to update this policy at any time, and we will notify you of significant changes by updating the "Last Updated" date.

2. Data Collection

We collect limited data to provide and improve our services:

2.1 Calculator Input Data

What we collect: Investment amounts, return rates, time periods, and other calculator inputs you enter.

How we collect it: You provide this data when using our calculators.

How we use it: This data is stored locally in your browser to save your calculation history and preferences. We do not upload this data to our servers. Your financial calculations remain private on your device.

2.2 Automatically Collected Data

When you visit our Website, we automatically collect certain information:

• Browser Information: Browser type, version, and language settings
• Device Information: Device type, operating system, and screen resolution
• Usage Data: Pages visited, time spent on pages, clicks, scrolls, and navigation patterns
• IP Address: Your approximate location (city/region level, not precise address)
• Referral Source: The website or search engine that referred you to us

Purpose: This data helps us understand how users interact with our Website, identify technical issues, and improve user experience.

3. Data Usage

We use the collected data for the following purposes:

• Service Delivery: To provide calculator functionality and save your preferences
• Analytics: To understand user behavior and improve our tools
• Performance Optimization: To identify and fix technical issues
• Content Improvement: To create better guides and educational content based on user interests
• Security: To detect and prevent fraudulent activity or abuse

We do NOT:

• Sell your personal information to third parties
• Use your data for purposes other than those stated in this policy
• Share your calculator inputs with anyone
• Require registration or account creation

4. Data Protection

We implement industry-standard security measures to protect your data:

• HTTPS Encryption: All data transmitted between your browser and our servers is encrypted using SSL/TLS
• Local Storage: Calculator inputs are stored locally in your browser, not on our servers
• Access Controls: Only authorized personnel have access to server logs and analytics data
• Regular Updates: We keep our systems updated with the latest security patches

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

5. User Rights

You have the following rights regarding your data:

• Access: You can view your locally stored calculator history in your browser
• Deletion: You can clear your calculator history by clearing your browser's local storage or cookies
• Opt-Out: You can opt out of analytics tracking using browser settings or privacy extensions
• Do Not Track: We respect browser "Do Not Track" signals

To exercise these rights or for privacy-related questions, contact us at contact@lumpsum-calculator.com.

6. Cookies and Local Storage

We use cookies and browser local storage to enhance your experience:

6.1 Essential Cookies

• Theme Preference: Remembers your light/dark mode choice
• Calculator History: Saves your recent calculations for quick access

6.2 Analytics Cookies

• Google Analytics: Tracks page views, session duration, and user behavior
• Microsoft Clarity: Records anonymized user sessions for UX analysis

6.3 Advertising Cookies

• Google AdSense: Displays relevant advertisements based on your interests

6.4 Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality. To manage cookies:

• Chrome: Settings → Privacy and Security → Cookies
• Firefox: Settings → Privacy & Security → Cookies
• Safari: Preferences → Privacy → Cookies
• Edge: Settings → Privacy → Cookies

7. Third-Party Services

We use the following third-party services to operate our Website. These services may collect data as described in their privacy policies:

7.1 Google Analytics 4

Purpose: Website traffic analysis and user behavior tracking

Data Collected: Page views, session duration, device information, geographic location (city/region)

Privacy Policy: Google Privacy Policy

Opt-Out: Google Analytics Opt-out Browser Add-on

7.2 Google AdSense

Purpose: Display advertisements to support free access to our tools

Data Collected: Browsing history, interests, demographics for personalized ads

Privacy Policy: Google Ads Privacy Policy

Opt-Out: Google Ad Settings

7.3 Microsoft Clarity

Purpose: User experience analysis through session recordings and heatmaps

Data Collected: Anonymized user interactions, clicks, scrolls, and page navigation

Privacy Policy: Microsoft Privacy Statement

8. Data Retention

Calculator Data: Stored locally in your browser indefinitely until you clear it

Analytics Data: Retained by third-party services according to their policies (typically 14-26 months)

Server Logs: Retained for 90 days for security and troubleshooting purposes

9. International Data Transfers

Our Website is hosted on servers that may be located in different countries. By using our Website, you consent to the transfer of your data to countries outside your residence, including the United States. These countries may have different data protection laws than your country.

We ensure that all data transfers comply with applicable data protection regulations and that third-party services provide adequate data protection.

10. Children's Privacy

Our Website is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at contact@lumpsum-calculator.com.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Updating the "Last Updated" date at the top of this page
• Displaying a notice on our Website for 30 days

We encourage you to review this Privacy Policy periodically. Your continued use of the Website after changes indicates your acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: contact@lumpsum-calculator.com
• Response Time: We typically respond within 24-48 hours

We take privacy concerns seriously and will investigate and respond to all legitimate requests.