This Privacy Policy explains what information this site collects, how it is used, and the choices you have. This is an independent calculator site, not a financial institution, and it does not require you to create an account or submit personal financial information to use the calculator itself.
Information you provide directly
The calculator on this site runs entirely in your browser. Numbers you enter — spend amounts, plan selection, currency, redemption details — are used only to compute your results on your own device and are not transmitted to or stored on our servers. If you use the contact form, we collect the information you choose to submit (such as your name, email address, and message) solely to respond to your enquiry.
Cookies and similar technologies
This site may use cookies and similar local storage technologies for the following purposes:
- Essential/functional: remembering your light/dark theme preference and your cookie consent choice, stored locally in your browser.
- Analytics: if enabled, aggregated, anonymised analytics to understand how visitors use the site (for example, which pages are viewed) — these only run if you accept the cookie consent banner.
- Advertising: if this site displays third party advertisements (for example, through Google AdSense or a similar ad network), those networks may set cookies to serve relevant ads and measure performance. These only run if you accept the cookie consent banner. See "Third party ad networks" below.
You can accept or reject optional cookies via the consent banner shown on your first visit, and you can change most browsers' settings to block cookies entirely, though this may affect site functionality like theme preference.
Third party ad networks
If and when this site participates in an advertising network such as Google AdSense, that network may use cookies to serve ads based on your visits to this site and other sites, in accordance with its own privacy policy. Google's use of advertising cookies is described at Google's Advertising Technologies page. You can opt out of personalised advertising by visiting Google Ads Settings or aboutads.info.
Affiliate links
Some links on this site are affiliate links, meaning we may earn a commission if you sign up for or purchase a product through them, at no extra cost to you. Affiliate partners may use their own tracking cookies to attribute referrals. See our affiliate disclosure for full detail.
Your rights (GDPR / UK GDPR)
If you are located in the European Economic Area or the UK, you have the right to access, correct, delete, or restrict processing of your personal data, and the right to data portability and to object to processing, under the General Data Protection Regulation. To exercise any of these rights regarding information you have submitted (for example, via the contact form), please reach out via the contact page.
Your rights (CCPA / CPRA — California residents)
If you are a California resident, you have the right to know what personal information is collected about you, to request deletion of that information, and to opt out of the sale or sharing of personal information (this site does not sell personal information). To make a request, use the contact page.
Data retention
Contact form submissions are retained only as long as needed to respond to and resolve your enquiry. Local browser storage (theme preference, cookie consent choice) persists on your device until you clear your browser data or explicitly reset it.
Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in the site's functionality or legal requirements. The "last updated" date at the top of this page reflects the most recent revision.
Contact
Questions about this policy or your data? Reach out via the contact page.