Privacy Policy

We respect your privacy. Here's how we collect, use, and protect your information.

1. What Information We Collect

Friendly Money Tools is designed to respect your privacy. Here's what we do and don't collect:

What We DON'T Collect:

  • Your calculator inputs (investment amounts, years, rates)
  • Your calculation results or projections
  • Your personal financial data or account information
  • Your name, address, or phone number (unless you contact us)

What We DO Collect:

  • Website usage data through Google Analytics (pages visited, time on site, general location)
  • Device and browser information (screen size, browser type, operating system)
  • IP address (used only for analytics and security)
  • Email address (only if you opt-in to our email list)
  • Form submissions (only if you contact us through our contact form)

Your calculator data never leaves your browser. All calculations happen on your device, not our servers.

2. How We Use Your Information

We use the information we collect to:

Improve Our Service:

  • Understand which calculators and pages are most useful
  • Identify and fix technical issues
  • Improve website performance and user experience

Analytics:

  • Google Analytics helps us understand visitor behavior
  • We see aggregate data (total visitors, popular pages), not individual activity
  • This helps us make better decisions about which tools to build next

Email Communications (if you opt-in):

  • Send you financial tips and calculator updates
  • Notify you when new tools launch
  • Share educational content about investing and money management

We will never:

  • Sell your email address to third parties
  • Share your contact information with marketers
  • Send spam or excessive emails
  • Share your calculator results with anyone

3. Cookies and Tracking Technologies

Like most websites, we use cookies to improve your experience:

What are cookies?

Small text files stored on your device that help websites remember your preferences and track usage.

Cookies We Use:

  • Google Analytics cookies (track page visits and user behavior)
  • Essential cookies (required for the website to function properly)
  • Preference cookies (remember your settings, if applicable)

We do not use:

  • Advertising cookies (unless we add ads in the future, in which case we'll update this policy)
  • Invasive tracking or fingerprinting technologies

You can control cookies:

Most browsers allow you to refuse cookies or delete them. However, this may limit some website functionality. Visit your browser's help section to learn how to manage cookies.

4. Third-Party Services

We use some third-party services to operate our website:

Google Analytics:

  • Tracks website usage and visitor behavior
  • Collects anonymous data about how you use our site
  • Google's privacy policy applies to data they collect
  • You can opt-out using the Google Analytics Opt-out Browser Add-on

Email Service Provider (if you join our list):

  • We use Mailchimp to manage our email list
  • They store your email address securely
  • They also collect basic data like email open rates
  • Their privacy policy applies to data they collect
  • You can unsubscribe anytime with one click

Affiliate Links:

  • Our site may contain links to third-party financial services (investment platforms, banks, etc.)
  • If you click these links, those companies may track your visit
  • We are not responsible for their privacy practices
  • We may earn a commission if you sign up, at no cost to you
  • Review their privacy policies before sharing any information

We do not control third-party privacy practices. Always review their policies before engaging with external services.

5. How We Protect Your Information

We take data security seriously:

Technical Measures:

  • Industry-standard encryption (HTTPS/SSL) for all website connections
  • Secure hosting with regular security updates
  • No storage of sensitive financial data on our servers
  • Calculator data processed entirely in your browser (never transmitted)

Limitations:

  • No method of internet transmission is 100% secure
  • We cannot guarantee absolute security against all threats
  • You are responsible for keeping your devices and passwords secure

What You Can Do:

  • Use strong, unique passwords for any accounts
  • Keep your browser and device updated
  • Be cautious when using public Wi-Fi
  • Don't share sensitive financial information over unsecured connections

6. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect:

  • Changes to our services or practices
  • New legal requirements
  • Improvements to clarity or accuracy

When we make changes:

  • We'll update the 'Effective Date' at the top of this page
  • Significant changes will be announced on our homepage
  • Your continued use of our site means you accept the updated policy

We encourage you to review this policy periodically to stay informed about how we protect your information.

7. Contact Us

Questions about this Privacy Policy or how we handle your data?

Contact us:

For general questions about our calculators or tools, visit our Contact page.