Privacy Policy

Last updated: October 29, 2025

Who we are

MoneyToolsHQ (“we,” “us,” “our”) provides financial calculators and guides at moneytoolshq.com.
Contact: [email protected].

Scope

This policy explains what we collect, why we collect it, how we use and share it, and your choices. It applies to our website, emails, and any pages that link to this policy.

What we collect

Usage & device data: IP address, browser type, device identifiers, pages viewed, time on page, referrer/UTM, approximate location (city/region), error logs.
Cookies & similar tech: consent state, session IDs, analytics/ads cookies, A/B testing IDs.
Contact data (if you message us): name, email, message content.
Calculator inputs: values you type (e.g., salary, rates). These are processed to show results and are not used to identify you. We don’t store sensitive personal identifiers in calculators.

Why we collect it (purposes)

Provide the service: load pages, run calculators, secure the site.
Improve & debug: analytics, performance, error monitoring.
Personalize & measure ads: show relevant ads, cap frequency, measure effectiveness (AdSense/AdX).
Communicate: respond to messages, manage requests (e.g., data requests).
Legal & compliance: prevent fraud/abuse, maintain records.

Legal bases (EU/UK)

Consent: cookies requiring consent (analytics/ads).
Legitimate interests: security, essential site operations, non-invasive analytics where allowed.
Contract: replying when you contact us.
Legal obligation: comply with laws and requests.

Cookies & tracking

We use cookies and similar technologies for:

Essential: security, load balancing, consent, preferences.
Analytics: traffic and feature usage.
Advertising: interest-based ads, frequency capping, reporting.
Manage preferences anytime via Cookie Settings (footer). You can also use your browser settings to block cookies; essential features may break.

Advertising (AdSense/AdX)

We show ads that may use cookies or mobile identifiers to personalize or measure performance. Some partners may infer interests from your visits. You can:

Adjust Google ad settings: adssettings.google.com
Opt out of interest-based ads where available: optout.aboutads.info (US), youronlinechoices.eu (EU), youradchoices.ca (CA).
If you disable personalization, you will still see ads, but they may be less relevant.

Analytics & service providers

We may use providers to host, analyze, secure, or serve ads (e.g., web hosting/CDN, analytics, anti-spam, ad networks). These providers process data under our instructions and contracts.

Data sharing

We don’t sell your personal information. We may share with:

Service providers / processors (see above).
Advertising partners (as controllers or joint controllers for their uses).
Legal/disclosure: to comply with law, protect rights, or during a merger/transfer.
Aggregated or de-identified data may be shared for reporting.

International transfers

Your data may be processed outside your country. Where required, we use safeguards (e.g., Standard Contractual Clauses) and assess partners’ practices.

Data retention

Analytics logs: typically 14–26 months (provider defaults).
Contact emails: as long as needed to respond and for record-keeping.
Consent records: as required by law.
We keep data longer if needed to resolve disputes or meet legal obligations.

Your rights

EU/UK: access, rectify, erase, restrict, portability, and object (including to profiling/ads where applicable).
California (CCPA/CPRA): know, access, correct, delete, and opt out of “sale” or “sharing” for cross-context behavioral advertising.
Request via /data-requests/ or email [email protected] (subject: Data Request). We will verify your identity before completing requests. You won’t be discriminated against for exercising rights.

“Do Not Sell or Share”

We do not sell personal information for money. Some ad partners may constitute “sharing” under CPRA. Use Cookie Settings to opt out of sale/share where applicable.

Children’s privacy

Our site is for general audiences and not directed to children. We don’t knowingly collect personal data from children under 13 (or as defined by local law). If you believe a child provided data, contact us to delete it.

Security

We use reasonable technical and organizational measures (encryption in transit, access controls, logging). No method is 100% secure; report issues to [email protected] (subject: Security).

Links to other sites

Third-party sites and tools have their own policies. Review their terms and privacy practices.

Changes to this policy

We may update this policy to reflect changes to laws, technologies, or our services. The “Last updated” date shows the latest version. Significant changes will be highlighted on this page.

Contact

Questions or complaints about privacy? Email [email protected].
If you’re in the EU/UK, you may also contact your local data protection authority.