Privacy Policy

FinFormulas is an independent, read-only educational website. We don’t offer user accounts, contact forms, or direct messaging. This policy explains what data may be processed when you visit, why it happens, and what choices you have.

Because this site includes analytics and advertising, some data is processed by third-party services (such as Google) under their own privacy policies. We aim to keep disclosures clear and practical.

Scope of this policy

This Privacy Policy applies to finformulas.com and the pages, calculators, and content served from this domain. It does not apply to third-party websites you may visit through outbound links.

What FinFormulas does not collect

FinFormulas is designed to minimize direct collection of personal information. In particular:

  • We do not provide user accounts or profiles.
  • We do not run a contact form or direct message system.
  • We do not intentionally request sensitive personal data (e.g., SSNs, account numbers).
  • Calculator inputs are used to generate results in your browser and are not intended to be submitted as personal records.

Information that may be processed when you visit

Like most websites, certain information may be processed automatically to operate the site, measure performance, and support advertising. Depending on your settings and region, this can include:

  • Device and browser data (e.g., browser type, operating system, screen size, language).
  • Technical identifiers (e.g., IP address, approximate location derived from IP, time zone, referral source).
  • Usage and engagement signals (e.g., pages viewed, time on page, scroll depth, clicks, navigation paths).
  • Advertising signals (e.g., ad impressions, performance measurement, and in some cases interest-based advertising signals, depending on your choices).

This information is generally processed in aggregated or pseudonymous form by analytics and advertising providers, and it is used to understand how the site is used, improve clarity, and keep the site financially sustainable through ads.

Cookies and similar technologies

Cookies are small text files stored on your device. FinFormulas and third-party services may use cookies or similar technologies (such as local storage or device identifiers) for purposes including:

  • Site operation (basic functionality and performance).
  • Analytics (understanding usage patterns and improving pages).
  • Advertising (displaying ads, measuring ad performance, fraud prevention, and, where enabled, personalization).

You can control cookies through your browser settings (block, delete, or restrict) and through provider controls where available. Blocking some cookies may reduce ad relevance and can affect measurement accuracy.

Third-party services used on this site

FinFormulas may rely on third-party services to run analytics and advertising. These providers may process data according to their own policies and terms. Key services include:

FinFormulas does not control third-party systems, cookies, or data handling practices beyond configuration choices available to site publishers and any settings applied through those services.

How information may be used

Information processed through the site and its service providers may be used for:

  • Operating, maintaining, and securing the website.
  • Measuring page performance and identifying usability issues.
  • Improving clarity of content, tools, and site structure.
  • Supporting advertising that funds free calculators and educational content.
  • Detecting abuse, invalid traffic, or fraudulent activity.

FinFormulas does not sell personal information in the ordinary consumer sense. Some advertising ecosystems may describe certain ad data flows as “sharing” for measurement or cross-context advertising; user controls are described below.

Data retention

Retention depends on the systems involved. Analytics and advertising providers generally maintain retention settings and defaults that balance reporting usefulness and privacy. FinFormulas aims to use reasonable retention practices, but third-party retention policies ultimately apply to data processed by those systems.

Security

We use reasonable administrative and technical safeguards appropriate for a small, read-only publishing site, including HTTPS and limited third-party integrations. No internet service can guarantee absolute security. You should use appropriate precautions when browsing and avoid entering sensitive personal information into any public website.

Your privacy choices and controls

You have practical controls that can limit or shape data processing:

  • Browser cookie controls: block or delete cookies, restrict third-party cookies, or use private browsing modes.
  • Ad personalization controls: use Google Ads Settings to manage personalization preferences.
  • Device and browser privacy tools: use built-in tracking prevention features or reputable content blockers if desired.

Your experience may vary depending on your region and the consent mechanisms required by local law. In some regions, advertising providers may show additional controls or consent prompts.

Regional disclosures

GDPR / EEA / UK

Where applicable, processing for analytics and advertising may be based on legitimate interests and/or consent depending on the service configuration and local requirements. FinFormulas does not intentionally collect special categories of personal data. If you want to limit cookie-based processing, use browser controls and provider settings.

CCPA / CPRA (California)

FinFormulas does not sell personal information for money. However, certain advertising data flows may be considered “sharing” for cross-context behavioral advertising under California law. You can limit this through browser privacy controls, content blockers, and provider ad controls (such as Google Ads Settings).

Children’s privacy

FinFormulas is intended for a general audience and is not directed to children under 13. We do not knowingly collect personal information from children.

Outbound links

FinFormulas may link to third-party websites for references or additional reading. We are not responsible for the privacy practices, content, or security of third-party sites. Review the privacy policies of any external website you choose to use.

Changes to this policy

We may update this policy to reflect changes in services, tools, legal requirements, or site functionality. When updated, the page content will reflect the current policy. Continued use of the site indicates acceptance of the then-current version.

Privacy policy reviewed for data-handling clarity, cookie/advertising disclosures, and user choice explanations. Last review: December 2025.