Privacy Policy
Last updated: 14 August 2026
This Privacy Policy explains how EMICalcs ("we", "us") handles information when you use https://emicalcs.com (the "Site"). We keep things minimal: our calculators run entirely in your browser, and we do not require accounts or ask you to submit personal financial data.
Information we collect
- Calculator inputs: the numbers you type are processed in your browser to show results. They are never sent to or stored on our servers — there is no server-side calculation to send them to. You can disconnect from the internet after the page loads and the tools still work.
- Your figures in the page address: so that results can be shared and bookmarked, your inputs are written into the page's own web address as you calculate (for example
?amount=500000&rate=9). This stays in your browser, but it does mean that if you copy the link, share it, or use the WhatsApp or Copy-link buttons, the figures travel with it. It also means those numbers form part of the page address recorded by the analytics services described below. - Usage & log data: our hosting and analytics providers automatically record standard information such as browser type, device, approximate location (country or city level), referring page and pages visited.
- Contact form: if you write to us, we receive the name, email address and message you provide — see Contact form below.
Cookies, analytics and advertising
Here is the complete list of third-party services that run on this Site, and what each one is for.
| Service | What it does | Where it runs |
|---|---|---|
| Google Analytics 4 | Aggregate, anonymous usage statistics so we can see which calculators are useful. Sets analytics cookies. | Ordinary pages |
| Google AdSense | Advertising that keeps the Site free. Google and its partners may use cookies to serve and measure ads. | Ordinary pages |
| Twelve Tools | Serves the directory badge shown at the bottom of the home page. Loading that image tells them your IP address and that you visited the home page. Sets no cookies and appears on no other page. | Home page only |
| Cloudflare | Serves and secures the Site, and collects basic performance and visit measurements. Sets no cookies for this. | All pages, including embeds |
| FormSubmit | Delivers our contact form to us by email. Only runs if you actually submit the form. | Contact page only |
Advertising, stated plainly
Google's advertising code is present on ordinary pages of this Site. At the time of writing our AdSense account is not yet serving ads, so you will generally see no advertisements — but the code is live, and we would rather tell you that than describe a Site that does not match what your browser loads. When ads do appear, nothing else about this policy changes.
- Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this and other websites.
- Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and/or other sites on the Internet.
- You can opt out of personalised advertising at Google Ads Settings, and opt out of some third-party vendors' cookies at aboutads.info/choices.
- Third-party vendors and ad networks may also set cookies on this Site; we do not control those cookies.
If you are in the EEA, the UK or Switzerland
We implement Google Consent Mode, and advertising storage, ad personalisation, ad user data and analytics storage all default to denied for visitors in those regions until a choice is recorded. In practice that means the tracking described above does not begin on your first page view unless and until you allow it.
Embedded calculators
Our calculators can be embedded on other websites. Those embedded versions are deliberately leaner: they carry no advertising code and no Google Analytics. They set no cookies and use no local storage, and the figures a visitor types are never transmitted to us. The embed sends its host page a single message containing the calculator's name and its height in pixels, so the widget can size itself correctly — nothing about the visitor, and nothing about their figures.
Contact form
Our contact form is delivered by FormSubmit (formsubmit.co), a third-party service that forwards submissions to our inbox by email. When you submit the form, the name, email address and message you have typed pass through FormSubmit in order to reach us. We use what you send only to reply to you. Please do not include account numbers, passwords or other sensitive personal information in the message.
Third-party links
The Site links to external websites, including government and regulator sources we cite. We are not responsible for the privacy practices or content of those sites; please review their policies.
Your choices & rights
You can control or delete cookies through your browser settings, and opt out of personalised ads using the links above. Blocking cookies does not stop the calculators working — they need no cookies at all. Depending on where you live (for example under the GDPR or CCPA), you may have the right to access, correct or request deletion of personal data we hold about you. Because we hold almost none, such a request will usually concern an email you have sent us. To make one, contact us at the address below.
Children's privacy
The Site is intended for a general audience and is not directed at children under 13. We do not knowingly collect personal information from children.
Changes to this policy
We may update this policy from time to time — for example if we add or remove one of the services listed above. Material changes will be reflected by the "Last updated" date at the top.
Contact
Questions about this policy? Email us at hello@emicalcs.com or via our Contact page.