Privacy Policy

PFSCalculator.com ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains what information we collect when you visit our website at pfscalculator.com, how we use that information, and your rights regarding your data.

By using this website, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the site.

Information We Collect

Information You Provide

PFSCalculator.com does not require account registration or collect personally identifiable information directly. Any dollar amounts or values you enter into the calculator are processed entirely within your browser and are never transmitted to our servers.

Information Collected Automatically

When you visit our website, certain information is collected automatically through third-party services we use:

• Usage Data: Pages visited, time spent on pages, browser type, device type, operating system, and referring URLs.
• IP Address: Your IP address may be collected by our analytics and advertising partners for geographic and security purposes.
• Cookies: Small text files stored on your device by your browser. We and our third-party partners use cookies to understand site usage and deliver relevant advertising.

How We Use Your Information

The information collected is used to:

• Understand how visitors use our site so we can improve the tool
• Diagnose technical issues and monitor site performance
• Display relevant advertisements to support free access to this tool
• Comply with applicable legal obligations

Third-Party Services

Google Analytics

We use Google Analytics to collect anonymized information about how visitors use this website. Google Analytics uses cookies to collect data such as page views, session duration, and geographic region. This data is aggregated and does not identify individual users.

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

For more information, see Google's Privacy Policy.

Google AdSense

We use Google AdSense to display advertisements on this website. Google AdSense may use cookies and web beacons to collect data about your visits to this and other websites in order to serve relevant ads. This data may include your IP address, browser type, and browsing history.

You can opt out of personalized advertising by visiting Google's Ad Settings or the Network Advertising Initiative opt-out page.

For more information, see Google's Advertising Policy.

Cookies

This website uses the following types of cookies:

• Analytics Cookies: Set by Google Analytics to track site usage and visitor behavior in an anonymized way.
• Advertising Cookies: Set by Google AdSense to deliver relevant advertisements and measure ad performance.

You can control and delete cookies through your browser settings. Disabling cookies may affect the functionality of some features and the relevance of ads displayed. Most browsers allow you to refuse cookies or alert you when cookies are being sent.

Data Retention

We do not store any personal data on our own servers. Data collected by Google Analytics is retained according to Google's data retention policies, which you can review at Google's support page.

Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Deletion: Request that we delete your personal data.
• Right to Opt Out: Opt out of the sale or sharing of your personal data for advertising purposes.
• Do Not Sell My Data (California Residents): Under the California Consumer Privacy Act (CCPA), California residents have the right to opt out of the sale of personal information. We do not sell your personal data. To opt out of Google's ad personalization, visit Google Ad Settings.

To exercise any of these rights, please contact us using the information below.

Children's Privacy

This website is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided personal information through our site, please contact us immediately.

Links to External Websites

This site contains links to external websites, including Florida statutes and other legal resources. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

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