Privacy Policy | FinCalWise

Last updated March 16, 2026

This Privacy Notice for FinCalWise ("we," "us," or "our"), describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our website and related content, including when you:

Visit our website or any website of ours that links to this Privacy Notice
Use FinCalWise. FinCalWise is an online platform that provides simple and easy-to-use financial calculators. The website offers tools that help users estimate loans, interest rates, savings, investments, and other financial scenarios. These calculators are designed to help people better understand financial numbers and make more informed financial decisions. All tools on the website are provided for informational and educational purposes only.
Use our website, financial calculators, and related educational content

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our website. If you still have any questions or concerns, please contact us at hello@fincalwise.com.

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

What personal information do we process? When you visit, use, or navigate our website, we may process personal information depending on how you interact with us, the site features you use, and whether you contact us by email. Learn more about personal information you disclose to us.
Do we process any sensitive personal information? Some of the information may be considered "special" or "sensitive" in certain jurisdictions, for example your racial or ethnic origins, sexual orientation, and religious beliefs. We do not process sensitive personal information.
Do we collect any information from third parties? We do not collect any information from third parties.
How do we process your information? We process your information to operate and improve our website, communicate with you, support security and fraud prevention, and comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about when and with whom we share your personal information.
How do we keep your information safe? We have adequate organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.
What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights.
How do you exercise your rights? The easiest way to exercise your rights is by contacting us at hello@fincalwise.com. We will consider and act upon any request in accordance with applicable data protection laws.
Want to learn more about what we do with any information we collect? Review the Privacy Notice in full.

1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE PROCESS YOUR INFORMATION?
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?
4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
5. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?
6. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
7. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?
8. HOW LONG DO WE KEEP YOUR INFORMATION?
9. HOW DO WE KEEP YOUR INFORMATION SAFE?
10. DO WE COLLECT INFORMATION FROM MINORS?
11. WHAT ARE YOUR PRIVACY RIGHTS?
12. CONTROLS FOR DO-NOT-TRACK FEATURES
13. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
14. DO WE MAKE UPDATES TO THIS NOTICE?
15. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
16. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you contact us by email or otherwise choose to communicate with us about the website, its calculators, or its content.
Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the website. The personal information we collect may include the following:

email addresses

Sensitive Information. We do not process sensitive information.
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our website.
We automatically collect certain information when you visit, use, or navigate the website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, approximate location based on IP, and technical information about how and when you use the website. This information is primarily needed to maintain the security and operation of the website and, where consent is given, for analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar technologies. You can find out more about this in our Cookie Policy.
The information we collect includes:

Log and Usage Data. Log and usage data is diagnostic, usage, and performance information our servers may automatically collect when you access or use the website and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type and settings, pages viewed, referring URLs, and technical event information such as system activity and error reports.
Device Data. We collect device data such as information about the computer, phone, tablet, or other device you use to access the website. Depending on the device used, this device data may include information such as your IP address (or proxy server), browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
Approximate Location Data. We may infer your approximate location from technical information such as your IP address to help with analytics, security, and basic site performance. We do not actively collect precise geolocation data such as GPS location through the website.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to operate and improve our website, communicate with you, support security and fraud prevention, and comply with law. We may also process your information for other purposes only with your prior explicit consent.
We process your personal information for a variety of reasons, depending on how you interact with our website, including:

To understand site usage and improve our website. We may process limited usage information to understand how visitors use the website, improve functionality, and maintain performance and security.
To respond to emails, corrections, and privacy-related requests. If you contact us, we may use the information you provide to reply, investigate issues, or handle your request.
To protect our website. We may process information as part of our efforts to keep the website safe and secure, including basic fraud monitoring, abuse prevention, and service reliability.
To comply with legal obligations. We may process information when reasonably necessary to comply with applicable law, enforce our policies, or protect our rights.

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?

In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e., legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.
If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:

Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time. Learn more about withdrawing your consent.
Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms.
Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.
Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

If you are located in Canada, this section applies to you.
We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time.
In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:

If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
For investigations and fraud detection and prevention
For business transactions provided certain conditions are met
If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim
For identifying injured, ill, or deceased persons and communicating with next of kin
If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse
If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province
If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced
If the collection is solely for journalistic, artistic, or literary purposes
If the information is publicly available and is specified by the regulations
We may disclose de-identified information for approved research or statistics projects, subject to ethics oversight and confidentiality commitments

4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We may share information in specific situations described in this section and/or with the following third parties.
Service Providers. We may share limited information with service providers that help us operate the website, such as hosting and infrastructure providers, analytics providers, media-delivery providers, and the cookie-consent tool used on the site. We do not share personal information more broadly than is reasonably necessary to run, secure, and improve the website.
We also may need to share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

5. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?

In Short: We are not responsible for the privacy practices of third-party websites that we link to.
The website may link to third-party websites or services that are not owned or controlled by FinCalWise. The inclusion of a link does not imply endorsement by us. Any information you provide directly to a third-party site is governed by that third party's own policies, not this Privacy Notice. We encourage you to review the privacy policies of any third-party websites you visit.

6. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We use cookies and similar technologies for necessary site functions, consent preferences, and analytics where permitted by your choices.
We may use cookies and similar tracking technologies to keep the website working properly, remember privacy choices, and understand how visitors use the site. Where analytics cookies are used, they are intended to help us improve calculators, content, and site performance.
Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Policy.

Google Analytics

If you allow analytics cookies, we may use Google Analytics to understand how visitors use the site. To opt out of being tracked by Google Analytics across websites, you can use the Google Analytics opt-out browser add-on. For more information on Google's privacy practices, please review Google Privacy & Terms.

7. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?

In Short: Your information may be processed in countries other than your own, depending on the providers used to operate the website.
Your information may be processed in countries other than your own if our hosting, analytics, media, or consent-management providers operate internationally. Where appropriate, we take reasonable steps to work with providers that offer privacy and security safeguards suitable for the services they provide.

8. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

9. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from the website is at your own risk. You should only access the website within a secure environment.

10. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect personal information from children under 18 through the website.
We do not knowingly collect personal information from children under 18 years of age or the equivalent age specified by applicable law. If you believe a child has provided personal information to us, please contact us at hello@fincalwise.com so we can review and delete it where appropriate.

11. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: Depending on where you live, you may have rights that let you access, correct, delete, or object to the processing of your personal information.
In some regions (like the EEA, UK, Switzerland, Canada, and certain US states), you may have rights under applicable privacy laws. These can include the right to request access to, correction of, deletion of, or restriction of the processing of your personal information, and in some cases the right to data portability or to object to certain processing. You can make such a request by contacting us using the details in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.
We will consider and act upon any request in accordance with applicable data protection laws.
If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your Member State data protection authority or UK data protection authority.
If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.
However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Cookies and similar technologies: Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to remove or reject cookies in your browser settings. You can also manage optional cookies through the consent tools we make available on the site where applicable. For further information, please see our Cookie Policy.
If you have questions or comments about your privacy rights, you may email us at hello@fincalwise.com.

12. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.
California law requires us to let you know how we respond to web browser DNT signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time.

13. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.

Categories of Personal Information We Collect

The table below shows the categories of personal information we have collected in the past twelve (12) months. The table includes illustrative examples of each category and does not reflect the personal information we collect from you. For a comprehensive inventory of all personal information we process, please refer to the section "WHAT INFORMATION DO WE COLLECT?"

A. Identifiers — Online identifiers and contact details we may receive, such as Internet Protocol address and email address — YES
B. Personal information as defined in the California Customer Records statute — Name, contact information, education, employment, employment history, and financial information — NO
C. Protected classification characteristics under state or federal law — Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data — NO
D. Commercial information — Transaction information, purchase history, financial details, and payment information — NO
E. Biometric information — Fingerprints and voiceprints — NO
F. Internet or other similar network activity — Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements — YES
G. Geolocation data — Device location — YES
H. Audio, electronic, sensory, or similar information — Images and audio, video or call recordings created in connection with our business activities — NO
I. Professional or employment-related information — Business contact details or job-related information — NO
J. Education Information — Student records and directory information — NO
K. Inferences drawn from collected personal information — Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual's preferences and characteristics — NO
L. Sensitive personal Information — NO

We may also collect other personal information outside of these categories when you contact us by email regarding calculator issues, content corrections, privacy requests, or other site-related inquiries.
We will use and retain the collected personal information as needed to operate the website and respond to inquiries or for: Category A - 1 year; Category F - 1 year; Category G - 1 year.

Sources of Personal Information

Learn more about the sources of personal information we collect in "WHAT INFORMATION DO WE COLLECT?"

How We Use and Share Personal Information

Learn more about how we use your personal information in the section, "HOW DO WE PROCESS YOUR INFORMATION?"
We may collect limited personal information through analytics cookies and similar measurement technologies, depending on your consent choices.

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Learn more about how we disclose personal information to in the section, "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?"
We may use your personal information for our own business purposes, such as improving website performance, reliability, and content usefulness. This is not considered a sale of personal information.
We do not currently use the site for targeted advertising, and we do not currently sell personal information. We may disclose the following categories of personal information to service providers for website operation and analytics purposes:

Category A. Identifiers
Category F. Internet or other electronic network activity information
Category G. Geolocation data

The categories of third parties to whom we disclosed personal information for a business or commercial purpose can be found under "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?"

Your Rights

You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:

Right to know whether or not we are processing your personal data
Right to access your personal data
Right to correct inaccuracies in your personal data
Right to request the deletion of your personal data
Right to obtain a copy of the personal data you previously shared with us
Right to non-discrimination for exercising your rights
Right to opt out of certain processing where that right is provided by applicable law

Depending upon the state where you live, you may also have the following rights:

Right to access the categories of personal data being processed (as permitted by applicable law, including the privacy law in Minnesota)
Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in California, Delaware, and Maryland)
Right to obtain a list of specific third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in Minnesota and Oregon)
Right to obtain a list of third parties to which we have disclosed personal data where required by applicable law
Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including the privacy law in California)
Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including the privacy law in Florida)

How to Exercise Your Rights

To exercise these rights, you can email us at hello@fincalwise.com or use the contact details at the bottom of this document.
Under certain US state data protection laws, you can designate an authorized agent to make a request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with applicable laws.

Request Verification

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.
If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request and the agent will need to provide a written and signed permission from you to submit such request on your behalf.

Appeals

Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us at hello@fincalwise.com. We will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal is denied, you may submit a complaint to your state attorney general.

California "Shine The Light" Law

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"

14. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this Privacy Notice from time to time. The updated version will be indicated by an updated "Revised" date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information.

15. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at hello@fincalwise.com.

16. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country or state of residence in the US, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw consent where consent is the legal basis we rely on. These rights may be limited in some circumstances by applicable law. To make a request, please email us at hello@fincalwise.com.