Privacy Policy

1. Who We Are

CalcRight ("we," "our," or "us") operates the website at loans.shevch.com. We provide free mortgage, loan, and financial calculators for home buyers and borrowers in the United States, Canada, and Australia.

For privacy inquiries, contact us at: contact page

2. Information We Collect

2a. Calculator Inputs

The numbers you enter into our calculators (loan amounts, interest rates, income figures, etc.) are processed entirely within your browser. We do not transmit or store your personal calculation inputs on our servers.

2b. Browser Storage (localStorage)

We use your browser's localStorage to save your last calculator inputs for convenience, your theme preference (light/dark), and a random browser identifier (cr-uid) used only for anonymous community benchmarks. This data never leaves your device. You can clear it at any time by clearing your browser's site data.

2c. Anonymous Community Statistics

If you use the optional community comparison feature, we may store an anonymous record containing a numeric result (e.g., monthly payment), a one-way hash of your browser identifier (cannot be reversed to identify you), and the calculator type. No name, email, IP address, or personally identifiable information is stored.

2d. Analytics Data

We use Google Analytics 4 (measurement ID: G-6YTM3BBHRD) to understand how visitors use the site. Google Analytics may collect pages visited, time spent, browser type, operating system, and approximate geographic location (country/region level) in aggregate. See Google's Privacy Policy for details.

3. Advertising

This site displays advertisements served by Google AdSense (publisher ID: ca-pub-6531231979777532). Google AdSense uses cookies to serve ads based on your prior visits to this and other websites. You may opt out of personalized advertising by visiting Google's Ads Settings or aboutads.info.

4. Cookies

5. How We Use Information

• Operate and improve the site and calculators
• Analyze usage patterns to prioritize new features
• Display relevant advertisements via Google AdSense
• Provide anonymous community comparison benchmarks

We do not sell your data. We do not build personal profiles. We do not send marketing emails.

6. Third-Party Services

• Google Analytics — site analytics (Privacy Policy)
• Google AdSense — advertising (Privacy Policy)
• Federal Reserve FRED API — US mortgage rate data (no user data shared)
• Bank of Canada Valet API — Canadian rate data (no user data shared)
• Reserve Bank of Australia — Australian rate data (no user data shared)

7. Your Rights

All Users

You can delete all locally stored data by clearing your browser's data for this site (Settings → Privacy → Clear browsing data).

California Residents (CCPA)

Under the California Consumer Privacy Act, California residents have the right to know what personal information we collect, request deletion, and opt out of the sale of personal information. We do not sell personal information. To exercise rights, email privacy@calcright.com or use our contact page.

Canadian Residents (PIPEDA / Quebec Law 25)

Canadian residents have rights under PIPEDA and Quebec's Act Respecting the Protection of Personal Information in the Private Sector, including the right to access, correct, and request deletion of personal information. Contact us via the contact page.

8. Data Security

All connections to the site use HTTPS encryption. As noted above, we do not store personal financial inputs on our servers — your calculation data stays on your device.

9. Children's Privacy

This site is not directed to children under 13. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top indicates the most recent revision. Continued use of the site after changes constitutes acceptance of the updated policy.

11. Contact

For privacy questions or data requests, email us directly at privacy@calcright.com or visit our contact page.