Privacy Policy

1. Who We Are and Scope

CarCalcPro ("CarCalcPro," "we," "us," or "our") operates an informational website that provides free auto finance calculators and educational content. We are based in the United States and provide access globally. This Privacy Policy applies to your use of carcalcpro.com and any related pages that link to this policy.

Controller / Contact: CarCalcPro.com, 2546 State Route 55, Poughquag, NY 12570, USA • Phone: 845‑276‑0962 • Email: kushnerdigital@gmail.com

2. Information We Collect

Calculator Data

We do NOT collect the financial information you enter into our calculators. All calculations are performed locally in your web browser, and the data you enter (loan amounts, interest rates, etc.) never leaves your device unless you explicitly share it.

Automatically Collected Information

With your consent where required, we may collect limited device and usage information for analytics, such as:

• Approximate IP address (anonymized or truncated)
• Browser and device information
• Operating system and language settings
• Pages visited, referral URLs, and time on page
• General location derived from IP (country/region)

Contact Form Information

If you contact us, we collect the information you provide, such as:

• Name and email address
• Subject and message content
• Date/time of submission and technical metadata (e.g., browser)

Categories of Personal Information (US State Laws)

In the past 12 months we have collected the following categories only when you contact us: identifiers (name, email) and internet/technical information (site interactions). We do not collect sensitive personal information.

3. How We Use Information

Website Analytics

We use analytics data to:

• Understand usage of our calculators and content
• Improve performance, accessibility, and design
• Diagnose and fix technical issues
• Protect against fraud or misuse

Other Purposes (where applicable)

Where we collect personal information (for example, when you contact us or where you have provided consent), we may process it for the following additional purposes:

• Marketing/promotional communications (only if you opt in)
• Collecting testimonials or customer feedback
• Administration and support communications
• Enforcing our Terms & Conditions and resolving disputes
• Site protection and abuse prevention
• Providing and measuring targeted advertising where permitted

If we intend to use your information for a purpose that is materially different from that described here, we will seek your consent where required by law and use it only for the purposes for which you have granted consent unless otherwise required by law.

Communication

We use contact details solely to respond to your inquiry or the reason you contacted us. We do not send marketing emails unless you explicitly opt in.

Legal Bases (EEA/UK)

• Consent: for non-essential cookies/analytics
• Legitimate interests: site security and performance
• Contract or pre-contractual steps: responding to messages you send
• Legal obligation: complying with applicable laws

4. Information We Do NOT Collect

To protect your privacy, we do not collect: financial information entered into calculators, credit scores, government identifiers, or bank/credit card information.

5. Cookies and Tracking

Essential Cookies

Necessary for site operation and basic functionality. These cannot be turned off in our systems.

Analytics Cookies

Optional and consent-based. Help us improve our content and performance. Data is de-identified and aggregated wherever possible.

Advertising Cookies

We display ads from third-party ad networks (e.g., Google AdSense or similar). Depending on your settings and region, ads may be contextual or personalized.

• Personalized ads may use cookies or device identifiers to show more relevant ads, measure performance, and prevent fraud.
• In regions that require consent (e.g., EEA/UK), we request consent before enabling personalized ad storage; if you decline, we serve non‑personalized ads where supported.
• You can control ad personalization in your browser/device and via provider tools such as Google Ad Settings (visit: Google Ad Settings).

Third-Party Cookies

When you click an affiliate link and leave our site, third parties may set their own cookies subject to their policies. We do not control those technologies.

You can manage your preferences at any time via your browser settings or the consent plugin’s controls (when present).

Do Not Track: While we strive to honor privacy preferences via our consent tools, we do not currently respond to browser DNT signals.

6. Data Sharing and Disclosure

Selling and Sharing

We do not sell personal information for money. We do share personal information for cross‑context behavioral advertising (personalized ads) as defined by US state privacy laws. You can opt out of this sharing at any time using the consent plugin’s controls (when present), and we will honor browser-based Global Privacy Control (GPC) signals where supported.

Service Providers

We may disclose limited information to vendors who provide services such as hosting, analytics (with consent), security, ad serving, and APIs that enable site functionality. These providers are bound by contractual obligations to protect your information and use it only for our instructions.

Advertising, Sponsors, and Analytics

We work with ad services, sponsors, and analytics providers. We require these partners to use information only for the purposes for which it is provided and not to retain it longer than needed for those purposes. In GDPR regions, analytics/ad storage is controlled by our consent platform. See our Cookie Preferences for details.

Legal and Business Transfers

We may disclose information to comply with law, enforce our agreements, respond to claims, or in connection with a merger, acquisition, or transfer of assets.

Affiliate Links

Clicking an affiliate link takes you to a third-party site governed by its own privacy policy. We do not transmit your personal information to those partners.

Legal Requirements

We may disclose information if required by law or to protect rights, property, safety, or to detect/prevent fraud or security issues.

6A. Ads Disclosure (AdSense and Similar Networks)

• We may partner with Google AdSense and similar networks to display ads. See Google’s advertising technologies policy: policies.google.com/technologies/ads.
• Depending on your consent and settings, ads may be personalized using cookies or device identifiers. Where consent is not granted or not applicable, we use contextual or non‑personalized ads where available.
• You can manage Google ad personalization at adssettings.google.com and opt out of interest-based advertising from many providers at optout.aboutads.info (US) or youronlinechoices.eu (EU).
• We use consent tools to collect and respect your preferences in applicable regions and honor GPC signals where supported.

7. Data Security

We implement reasonable technical and organizational measures to protect your information, including:

• HTTPS/TLS encryption in transit
• Secure hosting and access controls
• Data minimization
• Regular updates and monitoring

No method of transmission or storage is 100% secure. While we use reasonable safeguards, we cannot guarantee absolute security and any transmission is at your own risk.

8. Your Rights and Choices

Global Rights

Depending on your location, you may have rights to request: access, correction, deletion, portability, restriction or objection to processing, and withdrawal of consent. You can also manage cookies via your browser settings or the consent plugin’s controls (when present).

US State Privacy Rights (e.g., CA, CO, CT, UT, VA)

• Right to know/access and to obtain a portable copy
• Right to delete information we collected from you
• Right to correct inaccurate information
• Right to opt out of sale or sharing for targeted advertising (we do not sell; you may opt out of sharing using the consent plugin’s controls when present)
• Right to non-discrimination for exercising rights
• Appeal: If we deny your request, you may appeal by replying to our response. If unresolved, you may contact your state Attorney General.

EEA/UK (GDPR)

• Right of access, rectification, erasure, restriction, and portability
• Right to object where processing is based on legitimate interests
• Right to withdraw consent at any time
• Right to lodge a complaint with a supervisory authority

Other Regions

Similar rights may apply under Canada’s PIPEDA, Brazil’s LGPD, Australia’s Privacy Act, South Africa’s POPIA, Japan’s APPI, Singapore’s PDPA, and others.

How to Exercise Your Rights

Email us at kushnerdigital@gmail.com with the subject "Privacy Request" and indicate your jurisdiction and request type. We will verify your request (e.g., by asking you to reply from the email address we have on file) and respond within the time required by applicable law.

9. Data Retention

We retain contact form submissions only as long as necessary to handle your inquiry and for a reasonable period thereafter (typically up to 24 months) for recordkeeping and to improve our support, unless a longer period is required by law.

9A. Third‑Party Links

Our website may contain links to third‑party sites and services that we do not operate. Their privacy practices are governed by their own policies. We encourage you to review the privacy policy of every site you visit. We are not responsible for the content or practices of third‑party sites.

10. Children's Privacy

Our service is not intended for children under 13. We do not knowingly collect personal information from children under 13 (or under 16 in certain regions). If you believe a child has provided personal information, contact us and we will delete it.

11. International Users and Transfers

We are based in the United States. If you access our site from outside the US, your information may be transferred to and processed in the US or other countries where our service providers operate. For EEA/UK users, where we rely on transfers, we use appropriate safeguards such as Standard Contractual Clauses when applicable.

12. Regional Disclosures

California (CCPA/CPRA)

• Categories collected: identifiers (name, email) when you contact us; internet/technical information.
• Business purposes: provide support, security, debugging, and service improvement.
• Sources: directly from you; your device/browser (with consent where required).
• Disclosures: service providers (hosting, analytics, advertising). We share personal information for cross‑context behavioral advertising (personalized ads).
• Sensitive PI: not collected.
• Retention: see Retention section above.
• Opt‑out of Sharing: Use the consent plugin’s controls (when present) to opt out. We also honor Global Privacy Control (GPC) signals where supported.
• Shine the Light: We do not share personal information with third parties for their direct marketing.

EEA/UK GDPR

You may lodge a complaint with your local data protection authority (e.g., an EU DPA or the UK ICO). Where we rely on international data transfers, we use appropriate safeguards (e.g., Standard Contractual Clauses) where applicable.

Brazil (LGPD)

You have rights similar to the GDPR. If you believe we process your personal data under the LGPD, contact us at kushnerdigital@gmail.com.

Canada (PIPEDA)

Contact us to access, correct, or delete your information. You may contact the Office of the Privacy Commissioner of Canada if concerns remain.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will update the “Last updated” date and, if changes are material, provide additional notice on the site.

14. Contact Us

Questions or requests about privacy?

• Email: kushnerdigital@gmail.com
• Phone: 845‑276‑0962
• Address: 2546 State Route 55, Poughquag, NY 12570, USA
• Contact Form: https://carcalcpro.com/contact.html

We aim to respond within 30 days or as required by law.

15. Grievance / Data Protection Officer

If you have any questions or concerns about how we process your information, contact our Grievance Officer at the address above or by email at kushnerdigital@gmail.com. We will address your concerns in accordance with applicable law.