Privacy Policy

Last updated: March 2026

Your privacy is important to us. This policy explains what information calc.xaygo.com collects and how it is used.

Calculations and Your Data

All financial calculations on this site — mortgage, loan, compound interest, percentage, and retirement — run entirely in your browser using JavaScript. No numbers you enter are ever transmitted to or stored on any server. Once you close or refresh the page, your inputs are gone.

Analytics

We use Google Analytics (GA4) to understand how visitors use the site in aggregate. This collects anonymized data such as:

• Pages visited and time spent on the site
• General geographic region (country/city level)
• Browser type and device category
• Referring source (e.g. search engine)

No personally identifiable information is collected via analytics. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Advertising

This site may display advertisements served by Google AdSense. Google may use cookies to show ads based on your prior visits to this and other websites. You can opt out of personalized ads at Google Ads Settings.

Cookies

We use a single cookie (calc-xaygo-theme) stored in your browser's localStorage to remember your dark/light theme preference. This cookie contains no personal information and is never transmitted to any server.

Third-Party Links

This site may contain links to external websites. We are not responsible for the privacy practices of those sites.

Children's Privacy

This site is not directed at children under 13. We do not knowingly collect any information from children.

Changes to This Policy

We may update this policy from time to time. The "last updated" date at the top of this page reflects the most recent revision.

Contact

Questions about this privacy policy? Email us at [email protected].