LoanLeap

1. Information We Collect

We collect information you provide directly to us, such as:

• Loan Parameters: When you use our loan calculator, you provide details like loan amount, interest rate, loan term, and currency. This information is used solely for the purpose of generating the amortization schedule for your current session and is not stored on our servers persistently after your session ends for the core calculation functionality.
• Calculation History (Optional): If you use the loan history feature, your loan parameters and calculation timestamps are stored in your browser's local storage, not on our servers. You have full control to view, remove, or clear this history.
• Cookie Consent Preferences: Your preferences regarding cookie usage are stored in your browser's local storage to remember your choices.

We may also collect certain information automatically when you visit our Service, such as your IP address, browser type, operating system, and usage details through cookies and similar technologies, if you consent. Please see our Cookie Policy for more details.

2. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, operate, and maintain our Service.
• Perform the loan calculations as requested by you.
• Improve, personalize, and expand our Service.
• Understand and analyze how you use our Service (e.g., through analytics, if consent is given).
• Comply with legal obligations.

3. Data Storage and Security

As mentioned, loan parameters for individual calculations are processed in your browser and are not persistently stored on our servers. Optional calculation history and cookie preferences are stored in your browser's local storage, which you control. We implement reasonable security measures to protect against unauthorized access or disclosure of the limited data processed or stored.

4. Data Sharing and Disclosure

We do not sell your personal information. We may share information in the following limited circumstances:

• With service providers for analytics (e.g., Google Analytics), if you have consented, to help us understand Service usage. These providers have their own privacy policies.
• If required by law or in response to valid requests by public authorities.
• To protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others.

5. Your Rights (GDPR/CCPA Considerations)

Depending on your jurisdiction, you may have certain rights regarding your personal information. For data stored in your browser's local storage (like calculation history and cookie preferences), you have direct control:

• Access and Deletion of History: You can view, export, and delete your calculation history directly within the application.
• Cookie Consent: You can manage your cookie preferences through our Cookie Consent banner and your browser settings. See our Cookie Policy for more details.
• For other requests or if you have questions about your rights, please contact us using the information below.

6. Third-Party Services

Our Service may contain links to other websites or use third-party services (like Google Analytics, if enabled) that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

7. Children's Privacy

Our Service is not intended for use by children under the age of 16 (or the relevant age in your jurisdiction). We do not knowingly collect personally identifiable information from children. If you become aware that a child has provided us with personal information, please contact us.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at: [email protected]