Last Updated: March 2026

Kalkfy (“we,” “us,” or “our”) operates the website kalkfy.com. This Privacy Policy explains how we handle information when you use our site. We are committed to protecting your privacy and being transparent about our practices.

Summary

Kalkfy does not collect personal data. We do not require user accounts, and all calculator inputs are processed locally in your browser. We use Google Analytics for anonymous traffic data and Google AdSense to display advertisements. That is the extent of our data practices.

Information We Do Not Collect

  • No user accounts. You never need to register, log in, or provide a name or email address to use our calculators.
  • No calculator inputs stored. Every calculation runs client-side using JavaScript in your browser. The numbers you enter into our calculators are never sent to our servers, stored in a database, or shared with anyone.
  • No personal financial data. We have no access to your salary, tax details, loan balances, or any other financial information you type into a calculator.

Information Collected Automatically

When you visit kalkfy.com, certain non-personal information may be collected automatically through third-party services:

Google Analytics

We use Google Analytics to understand how visitors use our site. This service collects:

  • Pages visited and time spent on each page
  • Referring website or search engine
  • General geographic region (country or city level, not precise location)
  • Browser type, device type, and operating system
  • Anonymous session identifiers

Google Analytics does not collect your name, email address, or any information that directly identifies you. We have IP anonymization enabled, meaning your full IP address is not stored.

For more information, see Google’s Privacy Policy.

Google AdSense

We display advertisements through Google AdSense to support the free operation of this site. AdSense may use cookies and similar technologies to:

  • Serve ads based on your prior visits to kalkfy.com or other websites
  • Measure ad performance and frequency
  • Prevent the same ad from showing repeatedly

You can opt out of personalized advertising by visiting Google Ads Settings or the Network Advertising Initiative opt-out page.

Cookies

Cookies are small text files stored on your device by your browser. We use three categories of cookies:

Necessary Cookies – Required for the website to function properly. These handle basic tasks like remembering your cookie consent preference. They do not track you across other sites.

Analytics Cookies (Google Analytics) – Help us understand traffic patterns and improve the site. These cookies include:

  • _ga – Distinguishes unique visitors (expires after 2 years)
  • _ga_* – Maintains session state (expires after 2 years)
  • _gid – Distinguishes unique visitors (expires after 24 hours)

Advertising Cookies (Google AdSense) – Used by Google to serve and measure advertisements. Common cookies include:

  • __gads – Measures ad interactions
  • __gpi – Serves and measures ads
  • IDE – Serves targeted ads (expires after 13 months)
  • NID – Stores display preferences

For full details on managing cookies, see our Cookie Policy.

Third-Party Links

Our calculators and articles may link to external websites, including government resources such as IRS.gov, BLS.gov, and SSA.gov. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

Data Sharing

We do not sell, trade, or rent any user information to third parties. The only data sharing that occurs is through Google Analytics and Google AdSense as described above, which is governed by Google’s own privacy policies.

Your Rights Under GDPR (European Users)

If you are located in the European Economic Area (EEA), you have the right to:

  • Access – Request confirmation of whether we process any data related to you
  • Deletion – Request removal of any data associated with your visit
  • Objection – Object to data processing for analytics or advertising purposes
  • Restriction – Request that we limit how data is processed
  • Portability – Request a copy of your data in a portable format

Because we do not collect personal data or maintain user accounts, most of these rights are satisfied by default. To manage advertising and analytics cookies, you can adjust your browser settings or use the opt-out links listed above.

Your Rights Under CCPA (California Residents)

Under the California Consumer Privacy Act, California residents have the right to:

  • Know what personal information is collected about them
  • Know whether their personal information is sold or disclosed, and to whom
  • Opt out of the sale of personal information
  • Access their personal information
  • Request deletion of their personal information

We do not sell personal information. Since we do not collect personal data beyond anonymous analytics, there is no personal information to disclose, delete, or opt out of selling.

Children’s Privacy

Kalkfy is not directed at children under the age of 13. We do not knowingly collect any information from children. If you believe a child has somehow provided personal information through our site, please contact us so we can address it.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Continued use of the site after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise any of your privacy rights, please reach out through our contact form or email us at privacy@kalkfy.com.