Privacy Policy

This Privacy Policy explains how expenseratiocalculator.com (“we”, “us”, “our”) handles information when you use our website and calculators.

What we collect

• Usage data: aggregated metrics (e.g., page views, device type, approximate region) used to improve performance and UX.
• Server logs: standard web logs (IP address, user-agent, timestamps) used for security and reliability.
• Messages you send: if you contact us via the contact page, we receive the details you submit.

What we do not require by default

• No account or password is required to use the calculator.
• No financial account numbers or government ID numbers.

Calculator inputs & preferences

Inputs you type (e.g., initial amount, yearly contributions, expected return, expense ratio) are processed to compute results on the page. Unless we explicitly say otherwise, we do not store these inputs on our servers after the page loads. Your browser may temporarily retain form values or preferences (e.g., currency) for convenience.

How we use information

• Provide, maintain, and improve the calculator and site
• Secure the service, prevent abuse, and troubleshoot
• Respond to messages you send

Legal bases (EEA/UK)

• Legitimate interests for basic analytics, security, and service improvement
• Consent where required (e.g., optional cookies or newsletter, if offered)

Retention

Contact messages are retained as long as needed to respond and maintain records. Logs and analytics are kept for a limited period consistent with security and operations.

Sharing

We do not sell your personal information. We may share limited data with trusted service providers that help us run the site (e.g., hosting, security, analytics) under confidentiality and data-protection obligations. We may disclose information if required by law or to protect the rights, safety, or integrity of the service.

Your choices & rights

• You can use the calculator without creating an account.
• If you’re in the EEA/UK, you may have rights to access, correct, delete, or restrict processing of your personal data. To exercise rights, contact us via the contact page.
• California residents may have rights under the CCPA/CPRA. You can reach out to make a request.

Cookies & analytics

If we use analytics, we prefer privacy-respecting tools and minimal data. If any non-essential cookies are introduced, we will provide notice/controls where required by law.

Data security

We take reasonable technical and organizational measures to protect information. No internet service is 100% secure, but we work to keep risk low.

Children

This site is not directed to children under 13 (or the age required by local law). If you believe a child provided personal information, please contact us so we can delete it.

Changes

We may update this policy from time to time. If changes are material, we’ll take reasonable steps to notify you (e.g., a site banner).

Contact

Questions about privacy? Reach us via the contact page.