TVM Calculator
Effective date: October 28, 2026
TVM Calculator ("we," "our," or "us") operates the website tvm-calc.com. This policy explains what the calculator does with the numbers you type, how Google AdSense may use cookies on the pages that show ads, and what choices you have.
All financial calculations on TVM Calculator happen entirely in your browser using JavaScript. No financial inputs, calculation results, or personal data from those calculations are sent to our servers. We do not collect, store, or process your financial inputs or results.
That is only about the calculator. It does not mean the site is free of third-party advertising data. The home page and the guides may show Google AdSense ads, and those ads can set cookies as described below. Privacy, Terms, About, and Contact do not include ad code.
TVM Calculator does not set first-party tracking cookies. The site does not use Google Analytics or any other analytics service of its own.
Google AdSense, and advertising partners that participate in serving those ads, may set or read cookies and similar identifiers when an ad is shown, including:
These cookies are set by Google, not by TVM Calculator. They are used to deliver and measure ads, including interest-based ads where that is allowed. How Google uses data from sites that use its services is described on Google's advertising privacy page.
If you visit from the European Economic Area or the United Kingdom, a Google AdSense consent message will apply before personalized ads are used. That message is provided by Google. The choice you make there is stored by Google, and it is the control that applies to advertising cookies for those visitors. You can also review or change ad personalization in Google Ads Settings.
The home page and the TVM Explained guide also show a short notice that mentions advertising cookies. Choosing Accept on that notice stores only a localStorage flag named cookieConsent so the notice stays hidden on later visits. That flag is not a cookie, it is not sent to us, and it does not turn Google ads or Google's cookies on or off. Clearing site data for tvm-calc.com shows the notice again. The notice is not a consent management platform, and it does not replace the Google AdSense consent message shown to EEA and UK visitors.
Partners that fill Google ad slots may use cookies, web beacons, or similar technologies to measure ads and, where allowed, to personalize them. Those parties operate under their own policies.
If you are located in the European Union or European Economic Area, you have the following rights under the General Data Protection Regulation (GDPR). Visitors in the United Kingdom can use the same contact address for requests under the UK GDPR:
To exercise any of these rights, please contact us at contact@tvm-calc.com.
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
To exercise any of these rights, please contact us at contact@tvm-calc.com.
You can opt out of interest-based advertising through the following organizations:
We take reasonable measures to protect any information associated with our site. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Our site is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us so we can promptly remove it.
We may update this privacy policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the site after changes constitutes acceptance of the updated policy.
If you have questions about this privacy policy, please contact us at contact@tvm-calc.com or visit our Contact page.