Privacy Policy

1. Who We Are

MoneyMetricLab.com ("we," "us," or "our") is a finance calculator website operated by its founders. Our website provides free finance calculators reviewed by a Certified Public Accountant.

You can contact us at privacy@moneymetriclab.com for any privacy-related questions.

2. Information We Collect

2.1 Information You Provide Directly

If you contact us via our contact form or email, we collect:

• Your name (if you provide it)
• Your email address
• The content of your message

We use this information solely to respond to your inquiry. We do not add you to any marketing lists without your explicit opt-in consent.

2.2 Calculator Inputs

Calculator inputs (your salary, tax filing status, deductions, etc.) are processed entirely in your browser using JavaScript. We do not transmit, store, or log this information on our servers. When you close the browser tab, the data is gone unless you've used our "Copy Shareable Link" feature, which encodes your inputs into a URL that you control.

2.3 Information Collected Automatically

When you visit our website, we automatically collect:

• IP address (used for security, fraud prevention, and aggregated location analytics)
• Browser type and version
• Operating system
• Pages viewed and time spent on each page
• Referring website (the site that linked you to us)
• Date and time of visit

This information is collected via standard server logs and Google Analytics in an aggregated, anonymized form.

3. How We Use Information

We use collected information to:

• Operate, maintain, and improve our website
• Respond to your inquiries and corrections
• Analyze website usage trends to improve user experience
• Detect and prevent fraud, security issues, and abuse
• Comply with legal obligations

4. Cookies and Tracking

4.1 Essential Cookies

We use minimal essential cookies required for the website to function. These cannot be disabled without breaking functionality.

4.2 Analytics Cookies

We use Google Analytics 4 to understand how visitors use our site. Google Analytics uses cookies to track:

• Which pages are most popular
• How users navigate the site
• General geographic location (country/region level only)
• Device and browser information

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

4.3 No Advertising Cookies

We do not use Facebook Pixel, TikTok Pixel, Twitter Pixel, advertising retargeting cookies, or third-party advertising trackers. We do not sell ad space.

5. Information Sharing

We do not sell, rent, or trade your personal information to third parties.

We share information only in these limited circumstances:

• Service providers: With companies that help us operate the website (e.g., Hostinger for hosting, Google Analytics for analytics). These parties are contractually obligated to protect your information.
• Legal requirements: If required by law, court order, or government regulation.
• Business transfers: If MoneyMetricLab is acquired or merged, your information may be transferred as part of that transaction (you'll be notified).
• With your consent: If you explicitly authorize us to share your information.

6. Data Security

We implement reasonable security measures to protect your information:

• HTTPS encryption for all data transmission
• Limited access controls on internal systems
• Regular security updates to website infrastructure

However, no internet transmission is 100% secure. We cannot guarantee absolute security of information transmitted to our website.

7. Data Retention

We retain information only as long as necessary for the purposes outlined in this policy:

• Contact form submissions: Up to 2 years, then deleted
• Analytics data: 14 months in Google Analytics
• Server logs: 30 days
• Email correspondence: 2 years from last contact

8. Your Rights

8.1 General Rights (All Users)

You have the right to:

• Request a copy of any personal information we have about you
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of Google Analytics tracking
• Contact us with privacy questions or concerns

8.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale (we do not sell data)
• Right to non-discrimination for exercising these rights

To exercise these rights, email us at privacy@moneymetriclab.com with the subject line "California Privacy Request."

8.3 EU/UK Residents (GDPR)

If you are in the European Economic Area or United Kingdom, you have rights under GDPR including:

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to lodge a complaint with a supervisory authority

Our legal basis for processing your data is legitimate interest (operating our website) and consent (where you explicitly opt-in).

9. Children's Privacy

MoneyMetricLab is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us at privacy@moneymetriclab.com and we will promptly delete it.

10. Third-Party Links

Our website may contain links to third-party websites (e.g., IRS.gov, government tax authority sites, affiliate partner sites). We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any information.

11. International Data Transfers

MoneyMetricLab operates in the United States. If you access our website from outside the U.S., your information may be transferred to, stored, and processed in the United States. By using our site, you consent to such transfer.

12. Do Not Track Signals

Some browsers offer a "Do Not Track" (DNT) feature. Currently, there is no industry standard for how to respond to DNT signals. We do not currently respond to DNT signals, but we already minimize tracking by not using advertising cookies.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we'll:

• Update the "Last Updated" date at the bottom of this page
• Note significant changes prominently on the homepage for at least 30 days
• Email registered users (if applicable) about material changes

14. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at: