Privacy Policy

1. Introduction

This Privacy Policy describes how CosmicRay ("we," "us," or "our") collects, uses, and protects information when you visit or use LoanCalculator.US (the "Service"). We are committed to protecting your privacy and being transparent about our data practices.

By using our Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Collect

2.1 Personal Information

We do not collect personal information. Our loan calculators work entirely in your browser, and we do not require registration, accounts, or personal details to use our tools.

2.2 Financial Information

We do not collect or store financial information. All calculations are performed locally in your browser. Loan amounts, income, credit scores, and other financial data you enter remain on your device only.

2.3 Technical Information

We may automatically collect certain technical information to provide and improve our Service:

• Usage Analytics: General usage patterns, page views, and popular features (aggregated and anonymous)
• Device Information: Browser type, operating system, screen resolution (to optimize user experience)
• Performance Data: Load times and error rates (to maintain service quality)
• Geographic Location: Country and state level only (for compliance and localization)

2.4 Communication Information

If you contact us voluntarily via email (CosmicRayDev@outlook.com), we collect:

• Your email address
• The content of your message
• Any information you choose to provide

3. How We Use Information

We use the limited information we collect for these purposes:

• Service Provision: To provide, maintain, and improve our loan calculators
• Technical Support: To respond to user inquiries and provide customer support
• Service Improvement: To understand how our tools are used and identify areas for improvement
• Legal Compliance: To comply with applicable laws and regulations
• Security: To detect and prevent fraud, abuse, or security issues

4. Information Sharing and Disclosure

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

4.1 Service Providers

We may share limited, non-personal information with trusted service providers who assist us in:

• Website hosting and content delivery
• Analytics and performance monitoring
• Email communication services

These providers are contractually bound to protect any information they process on our behalf.

4.2 Legal Requirements

We may disclose information if required by law or if we believe in good faith that such disclosure is necessary to:

• Comply with legal obligations or court orders
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our users or the public

5. Cookies and Tracking Technologies

5.1 Cookies We Use

We use minimal cookies and similar technologies:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand website usage (anonymous data only)
• Preference Cookies: Remember your calculator settings and preferences

5.2 Your Cookie Choices

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality. Most browsers allow you to:

• View and delete cookies
• Block cookies from specific sites
• Block third-party cookies
• Delete all cookies when you close your browser

6. Data Security

We implement industry-standard security measures to protect the limited information we collect:

• Encryption: All data transmission is encrypted using HTTPS/SSL
• Access Controls: Limited access to systems and data on a need-to-know basis
• Regular Updates: We keep our systems and software updated with security patches
• Privacy by Design: Our architecture minimizes data collection and retention

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Privacy Rights

7.1 General Rights

You have the right to:

• Access: Request information about what data we collect
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information
• Portability: Request a copy of your information in a portable format
• Objection: Object to certain uses of your information

7.2 California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access personal information
• Right to equal service and price, even if you exercise your privacy rights

Note: We do not sell personal information and collect minimal data as described in this policy.

8. Children's Privacy (COPPA Compliance)

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at CosmicRayDev@outlook.com.

If we discover that a child under 13 has provided us with personal information, we will promptly delete such information from our servers.

9. International Users

Our Service is designed for and directed to users 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.

By using our Service, you consent to the transfer of your information to the United States and the application of United States privacy laws.

10. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date at the top of this policy
• For significant changes, providing prominent notice on our website

We encourage you to review this Privacy Policy periodically for any changes.