Privacy Policy

1. Who We Are

PayCalcHub ("we," "us," or "our") operates the website located at paycalchub.com. We provide free financial calculators and educational content for US workers, job seekers, and homebuyers. If you have any questions about this policy, contact us at hello@paycalchub.com or via our Contact page.

2. Information We Do Not Collect

Specifically, we do not collect:

• Salary, income, or wage figures you enter
• Mortgage amounts, loan figures, or debt information
• State or location data entered into calculators
• Filing status, deduction amounts, or any other tax inputs

3. Information We Do Collect

3a. Analytics Data

We use standard web analytics to understand how visitors use our site. This data is collected anonymously and does not identify you personally. It includes:

We do not use analytics to track individual users across sessions or build personal profiles.

3b. Contact Form Submissions

If you use our Contact page, we collect the name, email address, and message content you voluntarily provide. This information is used solely to respond to your enquiry. Contact submissions are processed via Web3Forms and forwarded to our team email. We do not share your contact information with third parties.

4. Google AdSense & Advertising Disclosed

PayCalcHub displays advertisements served by Google AdSense. Advertising revenue allows us to keep all calculators free. Here is what this means for your privacy:

• Google may use cookies and similar technologies to serve ads based on your interests and prior browsing activity.
• Google's advertising partners may also collect data in accordance with Google's Privacy Policy.
• We do not share any personally identifiable information with Google AdSense beyond what is collected by their standard ad scripts.
• Your calculator inputs are never shared with Google or any advertiser.

Opt out of personalized ads: You can manage or opt out of Google's personalized advertising at google.com/settings/ads. You can also use the Digital Advertising Alliance opt-out tool.

5. Cookies

We use cookies for the following purposes only:

No sensitive personal or financial data is stored in cookies. You can control or delete cookies through your browser settings. Note that disabling cookies may affect the display of ads on this site.

6. Third-Party Services

We use the following third-party services that may process data according to their own privacy policies:

We are not responsible for the privacy practices of these third-party services. We encourage you to review their policies.

7. Your Rights & Choices

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request a copy of any personal data we hold about you.
• Deletion: Request that we delete your personal data (e.g., contact form submissions).
• Correction: Request corrections to inaccurate data we hold.
• Opt-out of advertising: Opt out of personalized ads via Google Ad Settings.
• Data portability: Request a copy of data you've provided to us in a portable format.

To exercise any of these rights, contact us at hello@paycalchub.com. We will respond within 30 days.

California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us at hello@paycalchub.com.

8. Children's Privacy

PayCalcHub is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

9. Data Retention

We retain personal data only as long as necessary for the purpose it was collected:

• Contact form submissions: Retained for up to 12 months, then deleted.
• Analytics data: Retained for 26 months in aggregate, anonymized form.
• Calculator inputs: Never stored — not applicable.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically. Continued use of PayCalcHub after any changes constitutes acceptance of the revised policy. For significant changes, we may also add a notice on our homepage.

11. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or your personal data, please reach out:

• Email: hello@paycalchub.com
• Contact form: paycalchub.com/contact/

We aim to respond to all privacy-related enquiries within 30 days.