PRIVACY POLICY

1. INFORMATION WE COLLECT

A. Information You Provide Voluntarily

We may collect personal information that you voluntarily provide, including:

• Name.
• Email address (if you contact us).
• Any information submitted through contact form.

B. Automatically Collected Information

When you visit Calqora, we may automatically collect certain information, including:

• IP address.
• Browser type.
• Device type.
• Pages visited.
• time and date of visit.
• Referring website.

C. Calculator Input Data

Data entered into calculators (such as financial values) is processed locally in your browser and is not stored on our servers unless explicitly stated.

2. LEGAL BASIS FOR PROCESSING (GDPR – EU USERS)

If you are located in the European Economic Area (EEA), our legal basis for collecting and using personal data includes:

• Consent (Article 6(1)(a) GDPR).
• Legitimate interests (Article 6(1)(f) GDPR).
• Compliance with legal obligations (Article 6(1)(c) GDPR).

You may withdraw consent at any time.

3. HOW WE USE YOUR INFORMATION

We use collected information to:

• Operate and maintain the Website.
• Improve performance and functionality.
• Analyze traffic and usage patterns.
• Respond to inquiries.
• Comply with legal obligations.
• Display relevant advertising (if applicable).

4. COOKIES AND TRACKING TECHNOLOGIES

Calqora uses cookies and similar technologies to:

• Enable essential website functions.
• Analyze site performance.
• Improve user experience.
• Respond to inquiries.
• Support advertising services (if enabled).

You may manage cookie preferences through your browser settings. For more information, see our Cookie Policy.

5. THIRD-PARTY SERVICES

We may use third-party services, including:

• Google Analytics.
• Google AdSense (if applicable).
• Hosting providers.

These third parties may collect information in accordance with their own privacy policies. We do not control third-party data practices.

6. DATA RETENTION

We retain personal data only as long as necessary for the purposes outlined in this policy, unless a longer retention period is required by law.

7. INTERNATIONAL DATA TRANSFERS

As Calqora serves users worldwide, your information may be transferred and processed outside your country of residence. Where required, we implement appropriate safeguards under GDPR regulations.

8. YOUR RIGHTS UNDER GDPR (EU USERS)

If you are located in the European Union, you have the right to:

• Access your personal data.
• Request correction of inaccurate data.
• Request deletion of your data.
• Restrict processing.
• Object to processing.
• Withdraw consent at any time.
• Data portability.
• Lodge at complaint with a supervisory authority.

To exercise these rights, contact us through our website contact page.

9. YOUR RIGHTS UNDER CCPA (CALIFORNIA USERS)

If you are a California resident, you have the right to:

• Know what personal information we collect.
• Know whether we sell or disclose personal information.
• Request deletion of personal information.
• Opt-out of the sale of personal information.
• Non-discrimination for exercising privacy rights.

Calqora does not sell personal information. If our practices change, we will provide a “Do Not Sell My Personal Information” link as required by CCPA.

10. CHILDREN’S PRIVACY

Calqora does not knowingly collect personal information from children under the age of 13. If you believe a child has provided personal data, please contact us.

11. DATA SECURITY

We implement reasonable administrative and technical safeguards to protect your information. However, no online transmission or storage system can be guaranteed 100% secure.

12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised "Last updated" date.

13. CONTACT INFORMATION

If you have questions about this Privacy Policy or your privacy rights, please contact us through our website contact page.