Privacy Policy

1. Overview

FiscalCalc ("we," "us," or "our") operates fiscalcalcs.com, a free financial calculator platform. This Privacy Policy explains what data we collect, why, and how you can control it. By using FiscalCalc, you agree to the practices described here.

FiscalCalc is operated from the Province of Quebec, Canada. This policy is governed by Quebec's Act Respecting the Protection of Personal Information in the Private Sector (Law P-39.1, as amended by Law 25) and, where applicable, by the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

2. Data we collect

Calculator inputs: All calculations are performed entirely in your browser using JavaScript. Your inputs (loan amounts, interest rates, salaries, etc.) are never transmitted to our servers and are not stored anywhere.

Usage analytics: We collect anonymized data about how visitors use the site — pages visited, time on page, and general geographic region (country/state). This data cannot identify you personally.

No account, no registration: FiscalCalc does not require you to create an account. We do not collect names, email addresses (except for newsletter subscribers — see Section 7), or any other personal identifiers unless you voluntarily provide them.

3. Google Analytics 4

We use Google Analytics 4 (GA4) to understand site traffic and improve our calculators. GA4 is configured with IP anonymization enabled — your full IP address is never stored. Data is aggregated and cannot be used to identify individual users.

GA4 data is processed and stored by Google LLC. You can opt out of GA4 tracking by installing the Google Analytics Opt-out Browser Add-on. GA4 data is governed by Google's Privacy Policy.

4. Advertising

FiscalCalc uses Google AdSense to display advertisements. AdSense uses technology — including cookies and device identifiers — that can identify, and build a profile of your browsing behavior across websites in order to serve you relevant ads. Under Quebec Law P-39.1 (Art. 8.1), we are required to inform you of this before such technology is activated. Your consent is requested through our cookie consent notice on first visit.

Google AdSense is operated by Google LLC and is subject to Google's advertising policies and privacy practices. FiscalCalc does not have access to the data Google collects for advertising purposes.

You can control personalized advertising preferences at adssettings.google.com. To opt out of interest-based advertising more broadly, visit optout.aboutads.info or optout.networkadvertising.org.

5. Cookie consent

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, we use Google's Funding Choices platform to manage your consent for cookies and personalized advertising. You will be presented with a consent notice when you first visit the site and can update your choices at any time.

Essential cookies: Required for the site to function (session, security). These cannot be disabled.

Analytics cookies: Used by Google Analytics 4 to measure site traffic. Anonymized; no personal data stored.

Advertising cookies: Used by Google AdSense to display relevant advertisements. You can opt out of personalized ads without opting out of seeing ads entirely.

You can manage cookies through your browser settings at any time. Note that disabling certain cookies may affect site functionality.

6. Third-party services

The following third-party services process data in connection with your use of FiscalCalc:

All providers listed above are located outside Quebec (in the United States). Before communicating personal information to each provider, FiscalCalc has evaluated that an adequate level of protection is in place, in compliance with Art. 17 of Quebec Law P-39.1. US-based providers are also subject to Standard Contractual Clauses (SCCs) for data transfers to the EU/EEA.

7. Newsletter

FiscalCalc offers an optional email newsletter with financial tips, calculator updates, and tax deadline reminders.

What we collect: Your email address only. We do not collect your name or any other personal information at signup.

How we collect it: Subscription is opt-in only. You must actively check a consent box (not pre-checked) and confirm your email address through a double opt-in confirmation link before you are added to our list.

Legal basis: Consent — explicit, free, informed, and given for a specific purpose (Quebec Law P-39.1, Art. 14; GDPR Art. 6(1)(a)). You can withdraw your consent at any time without consequence by using the unsubscribe link in any email or by contacting us directly.

Frequency: We send no more than two emails per month.

Unsubscribe: Every email includes a one-click unsubscribe link. Unsubscription is processed immediately. You can also request removal by emailing hello@fiscalcalcs.com.

Provider: Emails are sent via Resend (Resend Inc., USA). Your email address is stored in Resend's infrastructure. Data transfer from the EU is covered by Standard Contractual Clauses.

Retention: We retain your email address until you unsubscribe. After unsubscribing, your address is deleted within 30 days.

8. Your rights

Quebec residents (Law P-39.1): You have the right to access the personal information we hold about you, to have it corrected if inaccurate, and to know the source of that information. You have the right to withdraw your consent to the collection, use, or communication of your personal information at any time, without retroactive effect. You also have the right to request the de-indexation or cessation of communication of information that could harm your reputation or privacy. To file a complaint, you may contact the Commission d'accès à l'information du Québec (CAI).

EU/EEA residents (GDPR): You have the right to access, rectify, erase, or port your personal data. You have the right to object to or restrict processing, and to withdraw consent at any time. You also have the right to lodge a complaint with your local data protection authority.

California residents (CCPA): You have the right to know what personal information we collect, to delete it, and to opt out of its sale. We do not sell personal information.

To exercise any of these rights, contact us at hello@fiscalcalcs.com. We will respond within 30 days.

9. Data retention

• GA4 analytics data: Retained for 14 months by Google (our configured retention period), then automatically deleted.
• Vercel server logs: Retained for up to 30 days, then automatically purged.
• Newsletter subscribers: Email retained until unsubscription + 30 days.
• Calculator inputs: Never retained — processed in-browser only.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. For significant changes, we will notify newsletter subscribers by email. Continued use of FiscalCalc after any changes constitutes your acceptance of the updated policy.

11. Contact & Privacy Officer

As required by Quebec Law P-39.1 (Art. 3.1), FiscalCalc designates the following person as responsible for the protection of personal information:

Privacy Officer — FiscalCalc
hello@fiscalcalcs.com

For any questions, access requests, correction requests, or complaints regarding this policy or the handling of your personal information, please contact the Privacy Officer above. We will respond within 30 days.