Jamaica Loan Calculator ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide when using our loan calculators:

• Loan amount
• Interest rate preferences
• Loan term
• Down payment amount
• Property type (for mortgages)

Note: We do NOT collect personally identifiable information (PII) such as your name, address, phone number, email address, or social security number through our calculators.

1.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent
• Referring website
• Date and time of visit

1.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors use our site (Google Analytics)
• Preference Cookies: Remember your settings and preferences

2. How We Use Your Information

We use the collected information for the following purposes:

• Provide Services: Calculate loan payments and generate amortization schedules
• Improve Our Service: Understand usage patterns and improve functionality
• Analytics: Monitor website traffic and user behavior
• Advertising: Display relevant advertisements (Google AdSense)
• Communication: Send service-related notifications (if you opt-in)

3. Data Storage and Retention

• Calculation Data: Processed locally in your browser, not stored on servers
• Saved Calculations (Registered Users): Stored securely in our database
• Analytics Data: Retained for up to 26 months (Google Analytics default)
• Cookies: Stored until expiration or manual deletion

4. Third-Party Services

We use the following third-party services that may collect information:

4.1 Google Analytics

We use Google Analytics to understand how visitors use our site. Google Analytics collects information such as how often users visit, what pages they visit, and what other sites they used prior to coming to this site.

Google Privacy Policy

4.2 Google AdSense

We use Google AdSense to display advertisements. Google may use cookies to serve ads based on your prior visits to our website or other websites.

How Google uses data

4.3 Render.com (Hosting)

Our website is hosted on Render.com. They may collect server logs including IP addresses.

Render Privacy Policy

5. Data Sharing and Disclosure

We do NOT sell, trade, or rent your personal information to third parties.

We may share information in the following circumstances:

• With Your Consent: When you explicitly agree to share information
• Service Providers: With third-party vendors who help us operate (hosting, analytics)
• Legal Requirements: If required by law or to protect our rights
• Business Transfers: In connection with a merger, sale, or asset transfer

6. Your Rights and Choices

You have the following rights regarding your information:

• Access: Request a copy of the information we have about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information
• Opt-Out: Opt-out of marketing communications
• Cookie Control: Disable cookies in your browser settings

7. Cookie Management

You can control cookies through your browser settings:

• Chrome: Settings > Privacy and Security > Cookies and other site data
• Firefox: Preferences > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Cookies and website data

Note: Disabling cookies may affect the functionality of our website.

8. Children's Privacy

Our Service is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Data Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction:

• HTTPS encryption for all data transmission
• Secure hosting infrastructure
• Regular security audits
• Access controls and authentication for registered users

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

10. International Data Transfers

Our servers are located in the United States. If you are accessing our Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.

11. 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.

We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us:

13. Jamaica Data Protection Compliance

We are committed to complying with Jamaica's data protection regulations. Jamaican users have the right to access, correct, and delete their personal information in accordance with local laws.