This Privacy Policy explains how InsureCalcPro (“we,” “us,” or “our”) collects, uses, and shares information when you visit insurecalcpro.com (the “Site”). Please read this policy carefully. By using our Site, you agree to the practices described below.
1. Information We Do Not Collect
InsureCalcPro is a free, client-side educational tool. We do not collect, store, transmit, or have access to any of the financial figures you enter into our calculator. All calculations are performed entirely within your own web browser using JavaScript. No debt amounts, income figures, mortgage balances, education estimates, or calculated coverage totals are ever sent to our servers or to any third party.
We do not require you to create an account, and we do not request or store any personally identifiable information (PII) such as your name, address, date of birth, Social Security number, financial account numbers, or health information.
2. Information Collected Automatically
Like virtually all websites, our servers may automatically receive and record certain standard technical information when your browser accesses the Site. This is sometimes called “log data” and may include:
- › Your Internet Protocol (IP) address (used to determine your approximate geographic region)
- › Browser type and version
- › Operating system and device type
- › The referring URL (the page that linked you to our Site)
- › Pages visited, time of visit, and time spent on pages
- › Clickstream data and interactions with page elements
This information is collected in aggregate and is used solely for the purpose of understanding how visitors use the Site so we can improve its performance and content. It is not used to identify individual users.
3. Cookies and Tracking Technologies
Cookies are small text files that a website places on your device to store information about your preferences or browsing session. InsureCalcPro uses cookies for two primary purposes: site analytics and third-party advertising.
3.1 Analytics Cookies
We may use analytics tools (such as Google Analytics) to understand aggregate traffic patterns and usage behavior on our Site. These tools use cookies to collect anonymous data about how visitors navigate our pages. This data is processed by the analytics provider on our behalf and is not used to personally identify you.
3.2 Google AdSense and the DoubleClick DART Cookie
InsureCalcPro uses Google AdSense to display advertisements on our Site. Google AdSense is a third-party advertising service operated by Google LLC. To serve relevant ads, Google uses a cookie known as the DART cookie, which enables Google to show ads to users based on their visits to this Site and other websites on the Internet.
The DART cookie is subject to Google’s Privacy Policy, which governs its use in Google’s advertising and content network. Key points about this cookie:
- › Google uses the DART cookie to serve ads based on a user’s prior visits to insurecalcpro.com and other websites.
- › Visitors may opt out of the use of the DART cookie for interest-based advertising by visiting Google’s Ad Settings at google.com/settings/ads.
- › Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites.
- › You may also opt out of third-party vendor use of cookies for personalized advertising by visiting aboutads.info/choices (Digital Advertising Alliance) or networkadvertising.org/choices (Network Advertising Initiative).
InsureCalcPro has no control over, and accepts no responsibility for, the cookies placed by Google or other third-party advertisers. We encourage you to review the privacy policies of these third parties directly.
3.3 Managing Your Cookie Preferences
You can control or disable cookies through your web browser settings. Most browsers allow you to block all cookies, delete existing cookies, or receive a warning before a cookie is stored. Please note that disabling cookies may affect the functionality of some features on our Site and may limit the relevance of advertisements you see. For browser-specific instructions, visit the “Help” section of your browser.
4. How We Use the Information We Collect
Any aggregate, non-personal information we receive is used for the following limited purposes:
- › To monitor and improve the technical performance, speed, and stability of the Site
- › To understand which pages and features are most useful to our visitors
- › To diagnose and troubleshoot technical errors
- › To display advertising through Google AdSense
- › To comply with applicable legal obligations
We do not sell, rent, trade, or otherwise transfer any information about you to third parties for their own marketing purposes.
5. Third-Party Links and Services
Our Site may contain links to external websites and may display advertisements that link to third-party websites. These third-party sites have their own independent privacy policies, and we have no responsibility or liability for the content, privacy practices, or actions of those sites. We encourage you to review the privacy policy of any third-party website before providing personal information to them.
6. Children’s Privacy
InsureCalcPro is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13 years of age. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at contact@insurecalcpro.com and we will take prompt steps to delete such information. Our use of cookies through Google AdSense complies with the Children’s Online Privacy Protection Act (COPPA).
7. Data Security
Since we do not collect personally identifiable information or financial data from users of our calculator, there is no sensitive user data stored on our servers that could be compromised. We employ industry-standard security measures for our website infrastructure, including HTTPS encryption for all data transmitted between your browser and our servers. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
8. Your Privacy Rights
Depending on your location, you may have certain rights with respect to your personal information under applicable law, including:
- ›California Residents (CCPA): California residents have the right to know what personal information is collected about them, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information.
- ›European Users (GDPR): If you access our Site from the European Economic Area, you have rights under the GDPR including the right of access, rectification, erasure, and the right to object to certain processing. Because we collect minimal data, most GDPR obligations are satisfied by our approach to data minimization.
- ›Opt-Out of Personalized Ads: You may opt out of interest-based advertising through the tools described in Section 3 of this policy.
To exercise any of your rights, please contact us at contact@insurecalcpro.com.
9. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. When we do, we will revise the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the Site after any changes to this Privacy Policy constitutes your acceptance of the updated terms.
10. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
We aim to respond to all privacy-related inquiries within 5 business days.