Privacy Policy

The data controller for this site is GovCalcs, 10685-B Hazelhurst Dr #43316, Houston, TX 77043, USA. You can reach us about any privacy matter at [email protected].

• Calculator inputs: Processed in your browser. Nothing is sent to our server unless you submit a form.
• Email subscriptions: If you subscribe to rate-change alerts, we store your email address and optional ZIP code in our email service (Mailjet).
• Analytics: We use privacy-respecting analytics (Google Analytics 4 with IP anonymization, and optionally Microsoft Clarity for usage understanding). These are analytics tools, not advertising trackers: we use them only to understand which calculators are used and where pages break, never to build advertising profiles or retarget you. Google Signals (cross-device advertising features in GA4) is turned off. No cross-site tracking.
• Server logs: Standard web server logs (IP, user agent, timestamps) retained 30 days for security and abuse prevention.

• Social Security number, government-issued ID number, or any other sensitive personally-identifying data.
• Bank, financial, or credit information.
• Location data beyond what you type into the calculator (and that stays in your browser).

• To send you the email updates you opted in for - a few times a year (typically 2-3 emails), only when rates or caps change or a new tool ships.
• To understand which calculators are most used so we can prioritize improvements.
• To prevent abuse (rate limiting, spam protection).

• Email address: We keep your email until you unsubscribe. After you unsubscribe, we retain it only on a suppression list so we can comply with our legal obligation under CAN-SPAM never to email you again.
• Server logs: Retained 30 days, then deleted.
• Calculator inputs: Never leave your browser, so there is nothing for us to retain.

• Consent: We send marketing and rate-change email only because you opted in. You can withdraw consent at any time by unsubscribing, with no effect on email already sent.
• Legitimate interest: We keep short-lived server logs to secure the site and prevent abuse, which is in our legitimate interest in running a safe service.

Depending on where you live, you may have the right to:

• Access the personal data we hold about you.
• Rectify inaccurate or incomplete data.
• Erase your data (the right to be forgotten).
• Restrict how we process your data.
• Object to processing based on legitimate interest.
• Port your data, receiving it in a portable format.
• Complain to a supervisory authority (for EU/UK residents, your local data protection authority).

You can unsubscribe from email at any time using the link in every email we send, or exercise any of the rights above by emailing [email protected]. We respond to all such requests within 7 business days.

• Cloudflare for DNS and edge security.
• Mailjet for email delivery.
• Google Analytics 4 for usage statistics (IP anonymized).
• Microsoft Clarity (optional) for understanding calculator usage flows.