Privacy Policy

Last updated: April 1, 2025

IBRCalcs ("we," "us," or "our") operates the website ibrcalcs.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this policy carefully.

1. Information We Collect

Information You Provide Directly

IBRCalcs does not currently collect personally identifiable information (PII) through account registration or sign-up forms. If you contact us via email, we receive your email address and the contents of your message.

Information Collected Automatically

When you visit our Site, certain information may be collected automatically, including:

  • Your IP address and general geographic location
  • Browser type and version
  • Pages visited and time spent on those pages
  • Referring URLs
  • Device type (desktop, mobile, tablet)

This information is collected through cookies and similar tracking technologies, including those used by Google Analytics and Google AdSense.

Calculator Input Data

When you use our IBR calculators, you may enter financial information such as your income and family size. This data is processed entirely in your browser and is never transmitted to our servers. We do not store, log, or have access to any numbers you enter into our calculators.

2. How We Use Your Information

We use the information we collect to:

  • Analyze site traffic and improve the site's content and user experience
  • Serve relevant advertisements through Google AdSense
  • Respond to emails or feedback you send us
  • Comply with legal obligations

3. Cookies and Advertising

We use cookies to enhance your experience and to serve advertising. Our advertising partner, Google AdSense, may use cookies to serve ads based on your prior visits to this site and other sites.

Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet. You may opt out of personalized advertising by visiting Google's Ads Settings.

For more information on how Google uses data when you use partner sites, visit Google's Privacy & Terms.

4. Third-Party Services

We may use the following third-party services:

  • Google Analytics — website traffic analysis
  • Google AdSense — ad serving (this site is ad-supported)
  • Cloudflare — content delivery and security

Each of these services has their own privacy policies governing how they use data. We encourage you to review them.

5. Children's Privacy

Our Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we may have collected such information, please contact us so we can take appropriate action.

6. Your Data Rights (California Residents)

California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information. To exercise your rights, contact us at [email protected].

7. Data Security

We implement reasonable technical and organizational measures to protect information against unauthorized access, alteration, or destruction. However, no method of internet transmission is 100% secure.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a new "Last Updated" date. We encourage you to review this page periodically.

9. Contact Us

If you have questions about this Privacy Policy, please contact us at: [email protected]

This privacy policy was last updated on April 1, 2025 and applies to ibrcalcs.com.