Privacy Policy

Effective date: June 16, 2026

Overview

TVM Calculator ("we," "our," or "us") operates the website tvm-calc.com. We are committed to protecting your privacy. This policy explains what information is collected, how it is used, and what choices you have.

Data Collection

All financial calculations on TVM Calculator happen entirely in your browser using JavaScript. No financial inputs, calculation results, or personal data are sent to our servers. We do not collect, store, or process any of your financial data.

Cookies

We do not set any cookies on our site directly. Our site does not use Google Analytics or any other first-party analytics service that would set tracking cookies.

Google AdSense

We use Google AdSense to display advertisements on our site. Google AdSense may set the following advertising cookies when you visit our site:

__gads — Used by Google to identify users and serve targeted advertisements.
__gpi — Used by Google for ad personalization and tracking across sites.

These cookies are set by Google, not by us. They are used to deliver interest-based advertising and to measure ad effectiveness. For more information about how Google uses these cookies, visit Google's advertising privacy page.

Cookie Consent Banner

Our cookie consent banner uses localStorage only to remember your consent preference. No cookies are set by the consent banner itself. When you accept, a flag is stored in your browser's localStorage so the banner does not appear again on your next visit. Clearing your browser data will reset this preference.

Third-Party Advertising Networks

In addition to Google AdSense, third-party advertising networks may use cookies, web beacons, or similar technologies to track your activity across websites and serve targeted advertisements. These third parties include advertising networks and ad exchanges that participate in real-time bidding for ad placements.

Your Rights — GDPR (EU/EEA Users)

If you are located in the European Union or European Economic Area, you have the following rights under the General Data Protection Regulation (GDPR):

Right to access — You may request information about the personal data we hold about you.
Right to rectification — You may request correction of inaccurate personal data.
Right to erasure — You may request deletion of your personal data.
Right to restrict processing — You may request that we limit how we process your data.
Right to data portability — You may request to receive your data in a structured, machine-readable format.
Right to object — You may object to our processing of your personal data.

To exercise any of these rights, please contact us at [email protected].

Your Rights — CCPA (California Users)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

Right to know — You may request information about the personal data we have collected, how it was used, and to whom it was disclosed.
Right to delete — You may request deletion of your personal data.
Right to opt out — You may opt out of the sale of your personal data. We do not sell personal data, but you may opt out of targeted advertising.
Right to non-discrimination — We will not discriminate against you for exercising your rights.

To exercise any of these rights, please contact us at [email protected].

Opt-Out Links

You can opt out of interest-based advertising through the following organizations:

Google Ads Settings — Control your Google ad preferences and opt out of personalized advertising.
Network Advertising Initiative (NAI) — Opt out of interest-based advertising from NAI member companies.
Digital Advertising Alliance (DAA) — Opt out of interest-based advertising from DAA participating companies.

Data Security

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.

Children's Privacy

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.

Changes to This Policy

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.

Contact Us

If you have questions about this privacy policy, please contact us at [email protected] or visit our Contact page.