Cookie Policy

Effective date: January 1, 2026

1. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, or smartphone) by websites you visit. They help the website recognize you when you return and allow us to improve functionality and user experience.

2. What Cookies Do We Use?

2.1 Strictly Necessary Cookies

These cookies are essential for the website to function and cannot be disabled.

2.2 Advertising Cookies (Google Ads)

We use Google Ads to advertise our application. The following cookies are used:

Purpose: These cookies enable Google to measure the effectiveness of our ads and show you relevant advertisements on other websites.

2.3 Analytics Cookies (Google Analytics, if enabled)

Purpose: Traffic measurement and analysis of user behavior on an aggregated level.

3. Legal Basis

• Strictly necessary cookies: Legitimate interest under applicable state and federal privacy laws.
• Advertising and analytics cookies: Consent where required by applicable state privacy laws (e.g., CCPA, state consumer privacy acts).

4. Your Choices

4.1 Cookie Consent

When you first visit our website, a cookie banner will be displayed where you can grant or withhold consent for different cookie categories.

4.2 Browser Settings

You can manage or delete cookies through your browser settings:

• Chrome: Settings → Privacy and Security → Cookies
• Firefox: Settings → Privacy & Security
• Safari: Settings → Privacy
• Edge: Settings → Cookies and site permissions

4.3 Google Opt-Out

You can opt out of personalized Google advertising at:

https://adssettings.google.com/

You can install the Google Analytics opt-out browser add-on:

https://tools.google.com/dlpage/gaoptout

4.4 CCPA / State Privacy Rights

If you are a California resident, you have the right under the California Consumer Privacy Act (CCPA) to:

• Know what personal information is collected
• Request deletion of your personal information
• Opt out of the sale of personal information
• Not be discriminated against for exercising your rights

We do not sell personal information. For more details, see our Privacy Policy.

5. Impact on Functionality

Disabling cookies may limit certain website features. However, strictly necessary cookies are not required for the core functionality of the application (calculations, display) — the application works fully even without cookies.

6. Changes

We reserve the right to update this Cookie Policy. The current version is always available on this page.

7. Contact

For questions about this Cookie Policy, please contact:

info@calculate-your-loan.com