Privacy policy.

GDPR compliance

The EU's General Data Protection Regulation (GDPR) took effect on 25 May 2018. We agree with the spirit of the regulation and support all laws that let internet users remain sovereign individuals. We aspire to privacy by design and, whenever possible, do not collect or store personally identifiable information. We only collect information that helps us deliver a better service.

At any time, you are free to contact us to request removal from our mailing list or to request your information be exported and sent to you for review.

Information we collect

This privacy policy explains how we handle Personally Identifiable Information (PII) — information that can be used on its own or together with other information to identify, contact, or locate a single person.

We collect the information you provide when you subscribe to our newsletter, leave a comment, or fill out a contact form. This may include your name, email address, and any other personal information you choose to provide.

We also collect information automatically when you visit our site, including IP address, browser type, and device type, through cookies and similar technologies.

How we use your information

• To personalise your experience and deliver content most relevant to you.
• To improve our website to better serve readers.
• To respond to your customer service requests.
• To administer surveys or site features.

How we protect visitor information

Our website is scanned regularly for security holes and known vulnerabilities to keep your visit safe. We use regular malware scanning.

Cookies

Yes. Cookies are small files that a site (or its service provider) transfers to your computer's hard drive through your browser. They let our systems recognise your browser and remember certain information. We use cookies to understand preferences based on previous activity and to compile aggregate data about site traffic.

We use cookies to:

• Understand and save users' preferences for future visits.
• Compile aggregate data about site traffic and interactions to improve the site.

You can configure your browser to warn you each time a cookie is being sent, or to turn off all cookies. If you disable cookies, some features may not work; the calculator itself will still function.

Third-party disclosure

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties without advance notice. This does not include hosting partners and operational service providers who assist us in operating the website, provided they agree to keep this information confidential. We may release information when appropriate to comply with the law, enforce our site policies, or protect our or others' rights.

Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links

Occasionally we may include third-party products or services. These sites have separate privacy policies. We have no responsibility for the content or activities of those linked sites, but we welcome any feedback that helps us protect our visitors.

Google AdSense & advertising

We use Google AdSense. As a third-party vendor, Google uses cookies to serve ads on our site. The DART cookie enables Google to serve ads based on visits to our site and other sites on the internet. You can opt out of the DART cookie at policies.google.com/technologies/ads.

California Online Privacy Protection Act (CalOPPA)

According to CalOPPA we agree to the following:

• Users can visit our site anonymously.
• Our privacy policy link includes the word "Privacy" and is easy to find.
• Users will be notified of policy changes on this page.
• Users can change personal information by emailing us.

COPPA (Children Online Privacy Protection Act)

We do not specifically market to children under 13.

Fair Information Practices

Should a data breach occur, we will notify users by email within 7 business days. We also agree to the individual redress principle — individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law.

CAN-SPAM Act

We collect your email address in order to:

• Send information, respond to inquiries, and answer questions.
• Send updates pertaining to our services.

To be in accordance with CAN-SPAM, we agree to the following:

• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in a reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, where used.
• Honour opt-out / unsubscribe requests quickly.
• Allow users to unsubscribe via a link at the bottom of each email.

To unsubscribe at any time, follow the instructions at the bottom of each email and we'll promptly remove you from all correspondence.

Agreeing to terms

If you do not agree to the privacy policy as posted on this page, please do not consent to cookies and to the collection and storage of your personally identifiable information. Your explicit consent indicates acceptance of this privacy policy in its entirety.

Contacting us

If there are any questions regarding this privacy policy, you may contact us via our contact page.