Privacy Policy

Analytics data only. KalkWise uses Google Analytics 4 (GA4) to understand how visitors use the Site. GA4 automatically collects standard usage information including:

• Pages visited and time spent on each page
• Session counts and approximate geographic region (country/city level)
• Browser type, device type, and operating system
• Referring website (the site you came from)
• Events such as button clicks and calculator interactions

No personally identifiable information (PII). KalkWise does not collect your name, email address, IP address, or any information that directly identifies you.

No user accounts. KalkWise does not offer user accounts, login, or registration. You do not submit any personal information to use the Site.

No form submissions stored. Calculator inputs you enter (loan amounts, interest rates, etc.) are processed entirely in your browser and are never sent to or stored on our servers.

KalkWise uses cookies only for analytics purposes, placed by Google Analytics. These cookies do not contain personally identifiable information. The cookies used by GA4 include:

• _ga — Distinguishes unique users. Expires after 2 years.
• _ga_<ID> — Persists session state. Expires after 2 years.

We do not use advertising cookies, tracking pixels, or any other cookies beyond those set by Google Analytics. We do not use cookies for re-targeting or behavioral advertising.

You can disable cookies in your browser settings or install a browser extension such as the Google Analytics Opt-out Browser Add-on to prevent GA4 from collecting data about your visits.

We use analytics data solely to:

• Understand which calculators are most useful to visitors
• Identify and fix technical issues on the Site
• Improve the overall quality and performance of the Site

We do not use analytics data to build user profiles or for targeted advertising.

Google Analytics 4. We use Google Analytics, provided by Google LLC, to collect usage data described in Section 1. Google may use this data in accordance with its own privacy policies. For more information, see Google's Privacy Policy and Google Analytics data practices.

Google AdSense. The Site displays advertisements served by Google AdSense. Google may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting Google's Ads Settings.

No other third-party services are used on this Site. We do not integrate with social media platforms, advertising networks, or data brokers beyond those listed above.

We do not sell your data. KalkWise does not sell, rent, trade, or otherwise transfer any information about Site visitors to third parties for commercial purposes.

Analytics data collected via Google Analytics is processed by Google subject to Google's own terms of service. KalkWise does not share or disclose any data to any other third party.

Because KalkWise does not collect personally identifiable information, there is typically no personal data for us to access, correct, or delete on your behalf.

To opt out of Google Analytics data collection, you may use the Google Analytics Opt-out Browser Add-on or disable cookies in your browser settings.