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ROI Calculator
Data Governance & Security

Privacy Policy

Last Updated: September 2026 • Effective Date: January 1, 2026

🔒 Privacy Commitment at a Glance

  • Zero Financial Data Retention: All investment numbers, percentages, revenues, and calculations are computed locally in your web browser. We never log, transmit, or store your inputs on any server.
  • No Account Required: You never need to sign up, provide an email address, or enter personal banking credentials to use our tools.
  • No Sale of Personal Data: We do not sell, rent, or trade your personal information to data brokers or marketers.
  • Transparent Advertising Disclosures: We partner with Google AdSense to serve non-intrusive ads, adhering strictly to global digital advertising standards (GDPR, CCPA/CPRA, and COPPA).

1. Overview & Scope

This Privacy Policy applies to your use of this website (the "Platform"). We believe in absolute computational privacy: financial analysis requires trust, and users must feel confident that their confidential numbers, budgets, and portfolio balances are not being harvested, monitored, or monetized.

2. Financial Calculation Inputs: 100% In-Browser Execution

All calculation engines—including the Universal ROI Calculator, Annualized ROI (CAGR) Calculator, and Investment Return Calculator—execute purely client-side via JavaScript. When you input purchase prices, cash distributions, holding durations, or marketing expenditures:

  • The mathematical algorithms run entirely within your device's local browser memory.
  • No data packets containing your calculation parameters are transmitted to our servers or third-party APIs.
  • When you close or refresh your browser tab, all entered inputs are immediately purged from local memory.

3. Information Automatically Collected (Log Files & Analytics)

Like standard web servers, our hosting infrastructure automatically logs basic technical request data when your browser loads a webpage. This may include:

  • Internet Protocol (IP) addresses (anonymized for geolocation and DDOS prevention).
  • Browser type and version (e.g., Chrome, Safari, Firefox).
  • Internet Service Provider (ISP).
  • Referring/exit pages and timestamp of access.

We also track aggregate client-side interaction events (such as roi_calculated or currency_switched). These telemetry events record only the occurrence of an action—they do not record numerical values, cost figures, or personal identifiers.

4. Cookies, Web Beacons & Third-Party Advertising

We support the free operation of this platform by displaying advertisements. Third-party vendors, including Google AdSense, use cookies to serve advertisements based on a user's prior visits to this website or other websites on the internet.

Google AdSense Cookie & Privacy Disclosures:

  • Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to our site and/or other sites across the web.
  • Users may opt out of personalized advertising by visiting Google Ads Settings.
  • Alternatively, users can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info/choices/.
  • In accordance with the Digital Advertising Alliance (DAA) and Network Advertising Initiative (NAI), you can configure your browser to block third-party cookies at any time.

5. European Economic Area & UK (GDPR / UK GDPR Rights)

If you are located in the European Economic Area (EEA) or the United Kingdom, you are entitled to specific rights under the General Data Protection Regulation (GDPR):

  • Right of Access & Portability: You have the right to request confirmation of whether personal data is processed and request copies. Because we do not store financial profiles or accounts, our systems hold zero personal data linked to your calculations.
  • Right to Rectification & Erasure: You can request correction or deletion of personal data.
  • Right to Restrict or Object to Processing: You may object to data processing for analytics or personalized advertising at any time.
  • Consent Management: For EEA and UK users, non-essential cookies and personalized advertising are served only in accordance with compliant consent mechanisms (IAB TCF v2.2 framework).

6. California Consumer Privacy Rights (CCPA / CPRA)

Under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), California residents have specific privacy rights:

  • Right to Know: You may request disclosure of categories of personal information collected, sources, and third parties with whom it is shared.
  • Right to Delete: You have the right to request deletion of personal information collected.
  • Right to Opt-Out of Sale or Sharing: We do not sell personal information for monetary consideration. Where third-party advertising cookies constitute "sharing" under CPRA definition, users may opt out via our cookie preferences or browser Global Privacy Control (GPC) signals.
  • Non-Discrimination: We do not discriminate against users who exercise their statutory privacy rights. All calculator functions remain fully accessible.

7. Children's Online Privacy Protection Act (COPPA)

Our website and calculators are intended for general adult audiences, including business professionals, investors, and students. We do not knowingly collect or solicit personal information from children under the age of 13. If you believe a child under 13 has provided personal data through our contact channels, please notify us immediately so we can expunge the record.

8. Data Security Measures

We enforce strict security practices across our web deployment:

  • HTTPS Encryption: All traffic between your browser and our servers is secured using TLS 1.3 encryption.
  • Content Security Policy (CSP): HTTP security headers are configured to prevent cross-site scripting (XSS) and unauthorized iframe embedding.
  • Zero Database Vulnerability: Because we maintain no central database of user financial calculations, there is no centralized target for credential stuffing, data breaches, or ransomware.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect evolving legal frameworks, new browser standards, or changes to our advertising networks. Any updates will be published directly on this page with a revised "Last Updated" date at the top.

10. Contact Us & Privacy Inquiries

If you have questions, feedback, or requests regarding this Privacy Policy or our data practices, please contact our Data Privacy Officer:

Data Governance & Privacy Office

Email: privacy@roicalculator.site

General Inquiries: Contact Page