2. How We Handle Your Financial Data

Our core promise is privacy by design.

• No Server Storage: The financial numbers, debt details, and transaction logs you enter into our calculators are never sent to our servers.
• Local Processing: All calculations happen in your browser using JavaScript.
• Local Storage: We use your browser's "Local Storage" feature to save your progress on your own device. You can delete this data at any time by clearing your browser cache or using the "Clear Data" buttons within our tools.

3. Data We DO Collect (Analytics & Advertising)

To provide this service for free, we collect non-financial data using third-party tools.

3.1. Usage Analytics (Google Analytics)

We collect anonymous telemetry to understand how our site is used. This may include:

• IP address (anonymized immediately).
• Browser type, device type, and screen resolution.
• Pages visited and time spent on the site.

3.2. Advertising (Google AdSense) & Affiliates

We monetize our traffic via display advertising and affiliate links.

• Cookies: Third-party vendors, including Google, use cookies to serve ads based on your prior visits to our website or other websites.
• Affiliates: If you click on a link to a partner product (e.g., a banking app), we may track that click to receive a commission. This tracking does not link your click to your private financial input data.

4. Notice to UK & EEA Users (GDPR)

UK / EU

Under the UK Data Protection Act 2018 and the EU General Data Protection Regulation (GDPR), you have specific rights:

• Right to Access & Erasure: Since we do not possess your financial data, we cannot provide a copy of it or delete it for you. You have full control to delete it yourself by clearing your local browser storage.
• Right to Withdraw Consent: You can opt-out of non-essential cookies via our cookie banner or browser settings.
• Right to Complain: You may lodge a complaint with the UK Information Commissioner's Office (ICO) at ico.org.uk.

5. Notice to US Residents

USA / California

This section supplements our privacy policy for residents of the United States, specifically addressing the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

5.1. "Do Not Sell My Personal Information"

FinTech Lite does not sell your personal financial data. We do not possess it, and therefore cannot sell it to data brokers or third parties.

However, strictly for the purpose of delivering personalized advertising via Google AdSense, certain technical identifiers (like cookies and IP addresses) may be shared with advertising partners. Under some definitions of US state law, this constitutes "sharing" for valuable consideration.

You may opt-out of personalized advertising by:

• Using the Google Ads Settings page.
• Installing a "Do Not Track" browser extension.
• Declining non-essential cookies in our cookie consent manager.

5.2. Children's Privacy (COPPA)

Our Service is not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected such data via analytics, we will take steps to delete it.

6. International Data Transfers

We are based in the United Kingdom. However, our service providers (such as Google for Analytics/Hosting) operate globally. By using our Service, you acknowledge that your technical usage data (IP address, device info) may be transferred to and processed in the United States or other jurisdictions. We ensure these providers adhere to strict data protection standards (such as Standard Contractual Clauses).

7. Contact Us

If you have questions about this global privacy policy, please contact our Data Protection Officer at: hello [at] bettereveryone.com