Privacy Policy

Smart Loan Analyzer ("we", "us", "our") operates the website smartloanalyzer.com(the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal information when you use our Service.

Information We Collect

Smart Loan Analyzer is a free loan calculator tool. We do not require signup, login, or any personal information to use any of our calculators. The numbers you enter into the calculators (loan amount, interest rate, tenure, income, etc.) are processed entirely in your browser and are not transmitted to or stored on our servers.

We do collect limited information automatically through standard analytics tools:

• Usage data: pages visited, time on site, browser type, device type, approximate geographic region (country / city level), and referral source.
• Technical data: IP address (anonymized), operating system, browser version, and screen resolution.
• Preferences: if you change the displayed currency, your selection is stored locally in your browser (via localStorage) so it persists across visits. This information never leaves your device.

Cookies and Similar Technologies

We and our service providers use cookies and similar tracking technologies to operate and improve the Service. The cookies we use fall into the following categories:

• Essential cookies: required for the Service to function (e.g. remembering your currency preference).
• Analytics cookies: Google Analytics (GA4) and Vercel Analytics use cookies to understand how visitors use the site. This helps us improve the calculators.
• Advertising cookies: Google AdSense and its partners use cookies to serve ads based on your prior visits to this and other websites. You can opt out of personalized advertising by visiting Google Ad Settings or aboutads.info.

Third-Party Services

We use the following third-party services, each with their own privacy policies:

• Google Analytics — Google Privacy Policy
• Google AdSense— third-party vendor that uses cookies to serve ads based on a user's prior visits to this website or other websites. Google Advertising Policies
• Vercel (hosting and analytics) — Vercel Privacy Policy

Google AdSense and Personalized Ads

Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet.

Users may opt out of personalized advertising by visiting Google Ad Settings. Alternatively, users can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.

Data Retention

Because we don't collect personal information directly, we have nothing to retain. Analytics data collected by Google and Vercel is retained according to their respective retention policies.

Your Rights

Depending on your jurisdiction (e.g. GDPR for the EU, CCPA for California), you may have the right to:

• Request access to the personal data we hold about you (we hold none directly).
• Request deletion of your data.
• Opt out of personalized advertising via the Google Ad Settings link above.
• Disable cookies via your browser settings.

Children's Privacy

Our Service is not intended for use by anyone under 13 years of age. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected by an updated "Effective date" at the top of this page. We encourage you to review this page periodically.

Contact Us

If you have any questions about this Privacy Policy, please contact us at chandimaamarasena12@gmail.com or through our Contact page.