Privacy Policy

What we do not collect

We do not collect, receive or store any of the following, because the technology to do so is not present on this site:

• Names, addresses, telephone numbers or email addresses, unless you choose to email us.
• Financial figures: income, balances, loan amounts, interest rates or credit scores.
• Accounts, passwords, payment details, or any form of identification.
• Precise or approximate location.
• Files, photographs or documents you might think of uploading.

There is no sign-up, no login and no subscription. If a page ever asks you for personal information in order to use a calculator, it is not this site.

What is stored on your own device

Some preferences are kept in your browser’s localStorage. That is a feature of your own browser, not a server we control. The data stays on your device, is not sent to us, and is not readable by us. Specifically we store:

• loanoratools.currency — the currency you selected, for example PKR or USD.
• loanoratools.mortgage.scenarios, loanoratools.auto.scenarios, loanoratools.personal.scenarios, loanoratools.comparison.scenarios, loanoratools.affordability.scenarios and loanoratools.refinance.scenarios — scenarios you have explicitly asked to save so you can compare them later.

Those saved scenarios do contain figures you entered, such as a loan balance or a monthly payment. Precision matters here: this information is not transmitted to us and we cannot see it, but it is stored on your device. On a shared or public computer, clear the site data in your browser before you leave. You can delete every saved item from within the calculators, or clear it in one step through your browser settings.

What leaves your device automatically

Information you send us deliberately

If you email us — for example from the contact page — we receive whatever you put in the message: typically your email address, your name if you included it, and the content of the enquiry. We use it for one purpose, which is to reply. See section 4.

The contact form does not submit to a server. It composes an email in your own mail application, and nothing is transmitted until you personally press send. The newsletter form on the home page validates your address in the browser and, as the site currently stands, does not transmit it to any provider.

Because the amount of information we receive is so small, the purposes are few and specific.

Replying to your enquiry

If you email us, we use your email address and the content of the message solely to respond to you, to investigate anything you have reported, and to keep a record of the exchange. Our legal basis is legitimate interests (GDPR Article 6(1)(f)) in being able to answer a message that you chose to send us. We keep correspondence for as long as it takes to resolve the matter and for a reasonable period afterwards so we have a record of what was agreed.

Operating and securing the site

Our hosting provider processes technical information such as IP addresses in order to deliver the pages, prevent abuse and diagnose faults. That processing is carried out by Cloudflare under their own privacy policy, and it is necessary to provide the service.

Analytics

We use Google Analytics 4 with Google Consent Mode v2. All analytics cookies are set to denied by default and are completely blocked until you choose to click “Accept Analytics” on our consent banner. Even when consented, your financial calculations (such as income, debt balances, loan amounts, and property values) run entirely in JavaScript in your browser and are never transmitted to analytics or any third-party server. We only measure anonymous aggregate engagement (such as which articles or calculators help visitors most). You can decline or change your choice at any time.

Advertising

We do not currently display advertising. There is no Google AdSense tag, no affiliate tracking and no sponsored placement on this site. If advertising is introduced in future, this section will be updated first, and we will ask for your consent through a cookie banner before any non-essential advertising cookie is set.

We do not sell or share your information

We do not sell, rent, trade or share personal information. We have no business model that depends on it, and no advertising or data broker receives anything from you through this site.

Cookies and Consent Mode

This website does not display advertising and sets no advertising cookies. We provide an accessible consent banner implementing Google Consent Mode v2 for optional analytics. If you decline, all analytics cookies remain blocked. The persistent storage used for your saved calculation scenarios is localStorage, described in section 2, which is local to your browser, is never transmitted to us and is not readable by us.

If advertising is introduced

Should Google AdSense be added later, third-party vendors including Google may set cookies or read existing ones to serve ads based on your prior visits to this or other websites. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visit to this and/or other sites.

You can opt out of personalised advertising at Google Ads Settings, or opt out of third-party vendor cookie use for personalised advertising at aboutads.info. To see how Google uses data from sites that use its services, see Google’s partner sites page.

How to control cookies in your browser

Every major browser lets you view, delete and block cookies and site data. Blocking or clearing localStorage will remove your saved scenarios and reset the currency to the default; the calculators themselves will continue to work normally, because they need no stored data to function. Instructions differ slightly by browser and are usually under Settings, Privacy or Site settings.

The following is the complete list of third parties that receive any information from simply loading a page here.

Cloudflare (hosting and delivery)

Pages are served from Cloudflare’s network. Cloudflare processes IP addresses and User-Agent strings as an unavoidable part of delivering any website over the internet, and uses them for delivery, security and abuse prevention. Cloudflare privacy policy.

Google (web fonts)

Typefaces are fetched from Google Fonts, which discloses your IP address and User-Agent to Google as described in section 2. Google acts as an independent controller for that processing. Google privacy policy.

Google AdSense (not currently in use)

No advertising is served and no AdSense script is loaded on this site today. If that changes, this section will be rewritten before the change takes effect, and the policy will name the categories of data involved. Google’s policies are at Google Advertising Policies and Google Privacy Policy.

Google Analytics

We use Google Analytics 4 with Google Consent Mode v2 and IP anonymization to understand aggregate site traffic and article engagement. Analytics storage remains denied and no tracking cookies are set unless you grant explicit consent via our banner. See Google Privacy Policy.

External links

This site may link to third-party websites, including social profiles. Once you follow such a link you are on someone else’s site and their policy, not this one, applies. We have no control over how third-party sites handle your information.

International transfers

Cloudflare and Google operate outside the European Economic Area. Where personal data is transferred to them, the transfer is covered by an adequacy decision or by Standard Contractual Clauses, together with supplementary measures where appropriate. We keep such transfers limited to the minimum necessary to deliver the service.

Calculation security

Because no financial data is transmitted, it cannot be intercepted, mislaid or breached on our side. The figures you enter are processed in your browser’s memory and discarded when you close or reload the tab. Saved scenarios live only in your own local storage.

Transport security

The site is served exclusively over HTTPS, so data in transit between your browser and Cloudflare’s edge is encrypted using TLS. HSTS is maintained so browsers refuse to connect over plain HTTP. Cloudflare applies its own protections at the edge.

What we cannot protect

We cannot control the security of your own device. A compromised computer, a shared browser profile or a malicious extension can read anything on your screen, including the figures you have typed. Clearing site data before using a shared machine remains your responsibility.

Under the GDPR, and comparable legislation elsewhere, you hold a set of rights over personal data. In practice there is very little here, because we hold almost none, but the rights are real and we will honour them.

Right of access (Article 15)

You may ask what personal data we hold about you, and we will reply with what exists. In most cases the honest answer is that the only data is the content of an email you chose to send us, because there is no user database to query.

Right to rectification (Article 16)

You may ask us to correct inaccurate personal data. If you told us something wrong in an email, tell us and we will correct our record.

Right to erasure (Article 17)

You may ask us to delete your personal data. We will delete correspondence on request, unless we are required to keep it for a legal reason. Saved scenarios are already under your control and can be deleted instantly from within the calculators or through your browser settings.

Right to restrict and to object (Articles 18 and 21)

You may ask us to pause processing, or object to processing based on legitimate interests. Since we process an email only in order to reply to you, an objection usually means you no longer want a reply, and we will simply stop.

Right to data portability (Article 20)

You may ask for data you provided to be provided in a machine-readable format. We will reply by email.

Right to withdraw consent (Article 7)

Where processing relies on consent, you may withdraw it at any time. This site does not currently rely on consent, because it does not set non-essential cookies.

Right to complain (Article 77)

You have the right to lodge a complaint with your national data protection supervisory authority. We would rather you came to us first, so we can explain and fix whatever went wrong, but that is a preference and not a condition — you may go directly to your regulator at any time.

Automated decision-making

We do not use automated decision-making or profiling that produces legal or similarly significant effects. The calculators produce arithmetic from the figures you type; they do not build a profile of you.

This site is not directed at children under 18, and we do not knowingly collect personal information from them.

The calculators involve adult financial decisions — borrowing, mortgages, credit — and are not intended for children or teenagers. If you are under 18, please do not enter financial details into a shared or public computer.

This section is written to satisfy the US Children’s Online Privacy Protection Act (COPPA), which applies to services directed to children under 13, or with actual knowledge that they collect personal information from children under 13. We do not collect personal information from children under 13, and because we operate no accounts and no user database, there is no such information held.

Under Article 8 of the GDPR, where consent is the legal basis for processing relating to a child, that consent must come from a parent or guardian for children below the age of consent, which is 13 in most Member States but as high as 16 in others. As noted, this site does not rely on consent as a legal basis and does not knowingly collect data from children.

If you believe a child has provided personal information to us, please contact us at the address in section 10 and we will delete it.

We may update this policy from time to time. The most likely reasons would be a change in the technology of the site, a change in the law, or the introduction of a third party such as advertising.

The last updated date at the top of this page always reflects the current version. Where a change is significant — for example if we begin to set cookies, collect analytics, or serve advertising — we will describe the change plainly rather than quietly editing the wording, and we will seek your consent first where the law requires it.

We suggest checking this page periodically, particularly if we later introduce advertising. Because there is no account and no mailing list, we cannot notify you of changes directly; this page is the notice.

If you have any questions about this policy, about the data we hold, or you wish to exercise a right described in section 7, contact us at:

Email: privacy@loanoratools.com

We aim to acknowledge privacy enquiries within 48 hours and to respond substantively within seven days. If your request is urgent, or if you are unhappy with our response, you also have the right to complain to your data protection supervisory authority.

For anything that is not a privacy question — a bug report, a correction to a calculation, or a request for a calculator that does not exist yet — please use the contact page, which routes messages by topic and reaches the same team.