Privacy Policy
This policy describes how Multi-Calculators collects, uses, and protects your information when you use our service, and explains your privacy rights under applicable law.
This Privacy Policy describes how Multi-Calculators ("we," "us," or "our") collects, uses, and shares information about you when you use our website and services. It also explains the rights you have over your personal data and how the law protects you. Reading this document helps you make informed choices about the data you share with us.
1. Definitions and Legal References
Interpretation
Words with capitalised initial letters have specific meanings defined below. These definitions apply whether the terms appear in singular or plural form.
Key Terms
This Website (or this Application) — The property that enables the provision of the Service: multicalculators.com
Owner (or We) — Multi-Calculators. The natural person(s) or legal entity that provides this Website and the Service to Users.
You (the User) — The person accessing or using the Service, or the organisation or legal entity that individual represents. Under the GDPR, You may be referred to as the Data Subject.
Company — Multi-Calculators, located at Baharia Orchard (Phase-2), Lahore, Punjab, Pakistan. Under the GDPR, the Company acts as the Data Controller.
Service — The service provided by this Website as described in these Terms.
Account — A unique account created to access our Service or specific sections of it.
Affiliate — An entity that controls, is controlled by, or is under common control with another party — generally meaning 50% or more ownership of voting shares or equity.
Country — Delaware, United States.
Service Provider — Any individual or legal entity that processes data on behalf of the Company to support, deliver, or improve the Service. Under the GDPR, Service Providers are Data Processors.
Personal Data — Any information that relates to an identified or identifiable individual. Under the GDPR, this includes name, identification number, location data, online identifiers, or factors related to physical, physiological, genetic, mental, economic, cultural, or social identity. Under the CCPA, this includes information that identifies, relates to, describes, or could reasonably be linked to you.
Personally Identifiable Information (PII) — Any information that can be used to identify, contact, or locate the person to whom it pertains.
Cookies — Small text files stored on your device by a website, containing information such as browsing history and session data.
Usage Data — Information collected automatically through the Service, such as page visit duration, IP address, browser type, and device identifiers.
Data Controller — Under the GDPR, the legal person that determines the purposes and means of processing Personal Data. This is the Company.
Device — Any tool capable of accessing the Service, such as a computer, phone, or tablet.
Third-Party Social Media Service — Any website or social network where a User can log in or create an account to access the Service.
The Facebook Fan Page — A public profile created by the Company on Facebook, accessible at facebook.com/MultiCalculators.
Business (CCPA) — The Company as the legal entity responsible for collecting consumers' personal information, determining the purposes and means of processing it, and operating within the State of California.
Consumer (CCPA) — A natural person who is a California resident, either residing in the USA for other than a temporary or transitory purpose, or domiciled in the USA but temporarily outside it.
Sale (CCPA) — Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating a Consumer's personal information to another business or third party for monetary or other valuable consideration.
2. What Data We Collect
Personal Data
While using our Service, we may ask you to provide certain personally identifiable information. This may include:
- First name and last name
- Email address
- Phone number
- Address, city, state, province, ZIP or postal code
- Social media profile information
Usage Data
Usage Data is collected automatically when you use the Service. It may include:
- Your device's Internet Protocol (IP) address
- Browser type and version
- The pages you visit and the time spent on them
- Date and time of your visit
- Unique device identifiers and diagnostic data
When you access the Service via a mobile device, we may also collect the device type, unique device ID, mobile operating system, mobile browser type, and other diagnostic data.
Our financial calculators run entirely in your browser. We do not collect, store, or transmit any figures you enter into calculator inputs — such as loan amounts, salaries, or savings balances. That data never leaves your device.
3. Cookies and Tracking Technologies
We use cookies and similar tracking technologies — including beacons, tags, and scripts — to monitor activity on our Service and store certain information. There are two main types of cookies we use:
- Session Cookies — Deleted when you close your browser.
- Persistent Cookies — Remain on your device even when you go offline, until they expire or you delete them.
We also use the following tracking technologies:
- Web Beacons (also known as pixel tags or clear GIFs) — Small electronic files in pages and emails that help us count visitors, track email opens, and analyse site activity.
- Flash Cookies — Locally stored objects used to retain preferences. These are managed separately from browser cookies. See Adobe's guide for deletion instructions.
Types of Cookies We Use
You can instruct your browser to refuse all cookies or notify you when a cookie is being sent. If you decline cookies, some parts of our Service may not function properly.
4. How We Use Your Data
We may use Personal Data for the following purposes:
- To provide and maintain the Service — Monitor usage and keep the Service running.
- To manage your account — Manage your registration and give you access to Service features.
- To fulfil a contract — Process purchases or service agreements.
- To contact you — Send updates, security notices, and informational communications via email, phone, SMS, or other channels.
- To send news and offers — Share information about goods, services, or events similar to what you have used or enquired about, unless you opt out.
- To handle your requests — Respond to and manage enquiries.
- To deliver targeted advertising — Develop and display personalised content and ads with third-party vendors, and measure effectiveness.
- For business transfers — Evaluate or carry out mergers, acquisitions, or asset transfers involving Personal Data.
- For other purposes — Data analysis, identifying usage trends, evaluating promotional campaigns, and improving our Service and user experience.
We will not use your personal information for materially different, unrelated, or incompatible purposes without notifying you first.
5. Sharing Your Personal Data
We may share your personal information in the following situations:
- With Service Providers — To monitor the Service, display advertisements, and process payments.
- For business transfers — During negotiations for a merger, sale, financing, or acquisition.
- With Affiliates — Shared under the requirement that affiliates follow this Privacy Policy.
- With business partners — To offer specific products, services, or promotions.
- With other users — Information you share in public areas of the Service may be seen by all users. Activity on Third-Party Social Media Services may be visible to your contacts on those platforms.
- With your consent — For any other purpose you explicitly agree to.
Third-Party Data Collection
Third-party service vendors — such as credit card companies, clearinghouses, and banks providing credit, insurance, or escrow services — may collect information from users independently. We do not control how these parties use that information, though we ask them to disclose their practices. Some third parties act solely as intermediaries and do not store or use the data passed through them.
6. Retention of Your Personal Data
We retain Personal Data only for as long as necessary for the purposes it was collected:
- Data collected for a contract is kept until that contract is fully performed.
- Data collected for legitimate interests is kept as long as needed to fulfil those purposes.
- If you have given consent for extended processing, we retain data until that consent is withdrawn.
- We may retain data longer when required by law or ordered by an authority.
Usage Data is typically retained for a shorter period, unless its retention is required for security, Service improvement, or legal compliance.
Once the retention period expires, Personal Data is deleted. After that point, rights of access, erasure, rectification, and data portability can no longer be exercised for that data.
7. Transfer of Your Personal Data
Your data, including Personal Data, is processed at the Company's operational offices and at other locations involved in the processing. This means your information may be transferred to — and stored on — computers located outside your state, province, country, or other governmental jurisdiction where data protection laws may differ.
By agreeing to this Privacy Policy and submitting your information, you consent to this transfer.
The Company takes all reasonable steps to ensure your data is handled securely and in accordance with this Privacy Policy. No transfer of your Personal Data will occur to an organisation or country unless adequate security controls are in place.
8. Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition, or asset sale, your Personal Data may be transferred. You will be notified before your data is subject to a different Privacy Policy.
Law Enforcement
The Company may be required to disclose your Personal Data in response to valid requests from public authorities, such as a court or government agency.
Other Legal Requirements
The Company may disclose your Personal Data in good faith when it believes such action is necessary to:
- Comply with a legal obligation
- Protect and defend the rights or property of the Company
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect the personal safety of users or the public
- Protect against legal liability
9. Security of Your Personal Data
The security of your Personal Data is important to us. All employees are familiar with our security policy and practices. Access to Personal Data is restricted to a limited number of qualified employees who require a password to gain access. We audit our security systems regularly.
Sensitive information such as credit card numbers is protected by encryption protocols for data transmitted over the Internet.
No method of transmission over the Internet or electronic storage is 100% secure. While we use commercially acceptable means to protect your Personal Data, we cannot guarantee absolute security. Electronic communications and databases are subject to errors, tampering, and breaches, and we will not be liable to users for such events.
How We Store Personally Identifiable Information
Personally Identifiable Information collected by Multi-Calculators is securely stored and is not accessible to third parties or Company employees except for the uses described in this policy.
10. Advertising, Analytics, and Behavioral Remarketing
Advertising
We use advertising services to display relevant banners and advertisements on this Website, possibly based on your interests.
Analytics
We use analytics services to monitor and analyse web traffic and track user behaviour on our Service.
Behavioral Remarketing
We use remarketing services to reach you with relevant advertisements after you have visited our Service. We and our third-party vendors use cookies and non-cookie technologies to recognise your device and understand how you use our Service. This helps us display advertising more likely to interest you.
These vendors may collect, store, process, and transfer information about your activity on our Service according to their own privacy policies. To opt out of interest-based advertising, use these tools:
On mobile devices, you can limit ad tracking through device settings:
- iOS: Enable "Limit Ad Tracking" in Settings
- Android: Enable "Opt Out of Ads Personalisation" in Settings
Remarketing Partners
Payments
Where we offer paid products or services, we use third-party payment processors. We do not store or collect your payment card details. That information goes directly to our third-party processors, whose handling of your data is governed by their own Privacy Policies. All payment processors adhere to PCI-DSS standards as managed by the PCI Security Standards Council.
11. GDPR Privacy Rights
Legal Basis for Processing
Under the GDPR, we may process your Personal Data under the following legal conditions:
- Consent — You have given explicit consent for processing for one or more specific purposes.
- Performance of a Contract — Processing is necessary to perform an agreement with you or for pre-contractual steps.
- Legal Obligations — Processing is required to comply with a legal obligation the Company is subject to.
- Vital Interests — Processing is necessary to protect your vital interests or those of another person.
- Public Interest — Processing is related to a task in the public interest or in the exercise of official authority.
- Legitimate Interests — Processing is necessary for the legitimate interests of the Company.
Your Rights Under the GDPR
If you are within the EU, you have the following rights:
Request a copy of the Personal Data we hold about you, and update or request deletion of that data.
Request correction of any incomplete or inaccurate information we hold about you.
Object to processing based on legitimate interest or for direct marketing purposes.
Ask us to delete or remove your Personal Data when there is no good reason to continue processing it.
Receive your Personal Data in a structured, machine-readable format or have it transferred to another entity.
Withdraw your consent at any time. Withdrawal may affect your access to certain Service features.
Exercising Your GDPR Rights
To exercise your GDPR rights, contact us using the details in the Contact section below. We may ask you to verify your identity before responding. We will aim to respond as soon as possible.
You also have the right to complain to a Data Protection Authority. If you are in the European Economic Area (EEA), contact your local data protection authority.
12. Facebook Fan Page
Data Controller for the Facebook Fan Page
As the operator of the Facebook Fan Page at facebook.com/MultiCalculators, the Company and Facebook jointly act as Controllers for Personal Data collected through the page.
The Company has established agreements with Facebook governing use of the Fan Page, based primarily on Facebook's Terms of Service.
For details on how Facebook handles Personal Data, see Facebook's Privacy Policy. You can also contact Facebook at: Facebook, Inc., ATTN: Privacy Operations, 1601 Willow Road, Menlo Park, CA 94025, United States.
Facebook Insights
We use the Facebook Insights function to obtain anonymised statistical data about visitors to our Facebook Fan Page, in compliance with the GDPR. To do this, Facebook places a Cookie on your device when you visit our page. Each Cookie contains a unique identifier and remains active for two years unless deleted. Facebook collects and processes the information stored in that Cookie across its services and those of other parties using Facebook services.
13. CCPA Privacy Rights
Information We Collect (CCPA Categories)
The Website has collected the following categories of personal information from consumers within the last 12 months:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | Name, address, IP address, email, account name, SSN, passport number | No |
| B. California Customer Records (Cal. Civ. Code § 1798.80(e)) | Name, SSN, address, bank account number, credit card number, health information | No |
| C. Protected Classification Characteristics | Age, race, religion, gender, disability, sexual orientation, veteran status | No |
| D. Commercial Information | Records of products or services purchased, purchasing histories | No |
| E. Biometric Information | Fingerprints, faceprints, voiceprints, retina scans, health or exercise data | No |
| F. Internet or Network Activity | Browsing history, search history, interaction with a website or advertisement | No |
| G. Geolocation Data | Physical location or movements | No |
| H. Sensory Data | Audio, visual, thermal, or olfactory information | No |
| I. Professional or Employment-Related Information | Job history, performance evaluations | No |
| J. Non-Public Education Information (FERPA) | Grades, transcripts, student financial information | No |
| K. Inferences from Personal Information | Profile reflecting preferences, behaviour, attitudes, or aptitudes | No |
Personal information does not include publicly available government records, deidentified data, or information excluded from the CCPA's scope.
Sources of Personal Information
- Directly from you — From forms completed on our Service or purchases made through it.
- Indirectly from you — From observing your activity on our Service.
- Automatically from you — Via cookies and similar technologies set by us or our Service Providers as you navigate the Service.
- From Service Providers — Including analytics partners, advertising vendors, payment processors, and other third-party vendors.
Use of Personal Information for Business Purposes
We may have used or disclosed personal information in the preceding 12 months from the following CCPA categories for business or commercial purposes:
- Category A: Identifiers
- Category B: California Customer Records information
- Category D: Commercial information
- Category F: Internet or network activity
When we disclose personal information for business purposes, we enter a contract requiring the recipient to keep the data confidential and use it solely to perform the contract.
Sharing Personal Information
We may share your personal information with:
- Service providers
- Data aggregators
- Payment processors
- Our affiliates
- Our business partners
- Third-party vendors you or your authorised agents approve
Sale of Personal Information Involving Minors Under 16
We do not sell the personal information of consumers we know to be under 16 years of age without affirmative opt-in authorisation — from the consumer themselves if between 13 and 16, or from a parent or guardian if under 13. If you believe a child under 13 has provided us with personal information, please contact us so we can delete it.
Your Rights Under the CCPA
If you are a California resident, you have the following rights:
Know which categories of personal data are collected and why.
Request details about the data we collect, use, sell, or share — including specific pieces of data we hold about you.
Direct us not to sell your personal information.
Request deletion of your personal information, subject to certain legal exceptions.
We will not deny services, charge different prices, or provide different quality of service because you exercised your CCPA rights.
Exercising Your CCPA Rights
Only you, or a person registered with the California Secretary of State and authorised by you, may make a verifiable request related to your personal information. Your request must provide enough detail for us to verify your identity and understand what you are requesting.
We will respond free of charge within 45 days. If more time is needed, we will notify you and may extend by an additional 45 days. Disclosures cover the 12-month period preceding the receipt of your request.
Do Not Sell My Personal Information
You have the right to opt out of the sale of your personal information. To exercise this right, contact us using the details below. Note that opt-out preferences are browser-specific — you may need to repeat the process on each browser you use.
You can also opt out via:
California's Shine the Light Law
Under California Civil Code Section 1798, California residents with an established business relationship with us can request — once per year — information about sharing their Personal Data with third parties for direct marketing purposes. To make this request, contact us using the details below.
California Minor Users (Business and Professions Code § 22581)
California residents under 18 who are registered users may request removal of content they have publicly posted. To make this request, contact us with the email address associated with your account. Note that removal cannot always be guaranteed, and the law may not require removal in all circumstances.
14. "Do Not Track" Policy (CalOPPA)
Our Service does not respond to Do Not Track (DNT) signals. Some third-party websites may monitor your browsing activity when you visit them. If you access those external sites, you can manage your DNT preferences through your web browser settings.
15. User Rights Summary and Data Corrections
Your Rights at a Glance
- The right to access your personal data
- The right to rectification (correction of inaccurate data)
- The right to erasure (deletion of your data)
- The right to restrict processing
- The right to object to processing
- The right to data portability
- The right to complain to a supervisory authority
- The right to withdraw consent at any time
Correcting Inaccuracies
To update or correct any inaccuracies in your Personally Identifiable Information, contact us by email at admin@multicalculators.com.
Deleting or Deactivating Your Data
We provide a mechanism to delete or deactivate your Personally Identifiable Information from our database. However, due to backups and deletion records, it may not be possible to remove all traces immediately. An individual who requests deactivation will have their information functionally deleted. We will not sell, transfer, or use that individual's Personally Identifiable Information going forward.
How to Opt Out from Data Collection
You can opt out of receiving unsolicited communications from us or our vendors by:
- Following the instructions in any email you receive from us
- Emailing us at admin@multicalculators.com
16. Changes to This Privacy Policy
We will notify users of changes to our Privacy Policy by posting updates on this website. If a change would result in the disclosure of Personally Identifiable Information that a user has previously asked us not to disclose, we will contact that user directly to give them the opportunity to prevent such disclosure.
We recommend reviewing this page periodically. The "Last Updated" date at the top of this policy reflects when material changes were last made.
Links to Other Websites
multicalculators.com contains links to third-party websites. When you click one of those links, you leave our website and enter another. We encourage you to read the privacy policies of those sites, as their practices may differ from ours. We are not responsible for the privacy practices of external sites.
17. Contact Us
If you have any questions about this Privacy Policy, want to exercise your data rights, or need to report a concern, please reach out using any of the following methods: