Introduction
DigitalCalculator.info is owned and operated by Markco Labs LLC ("we," "us," or "our"). We provide free online financial calculators for informational purposes. This Privacy Policy explains what information is collected when you visit our site and how it is used.
Information We Collect
DigitalCalculator.info does not require user accounts, form submissions, or personally identifiable information to use our calculators. All calculations are performed in your browser and are not transmitted to our servers.
Log Files
Like most websites, our hosting infrastructure (Amazon CloudFront) automatically collects standard server log information, which may include:
- IP address
- Browser type and version
- Operating system
- Pages visited
- Date and time of access
- Referring website
This information is collected automatically by our content delivery network and is used for troubleshooting, security monitoring, and improving site performance. It is not used to personally identify visitors.
Data Retention
Server logs are retained for 90 days for security and performance monitoring purposes, after which they are automatically deleted.
Cookies and Tracking Technologies
Our site uses cookies for the following purposes:
Necessary Cookies
These cookies are essential for the website to function properly. They include:
- cookie-consent: Stores your cookie consent preferences (analytics opt-in/out). Expires after 12 months.
- theme-preference: Remembers your dark/light mode preference. Stored locally.
- _geo: Contains your 2-letter country code (e.g., "US", "DE") for region-aware consent. This cookie is set automatically by our content delivery network (CloudFront) and refreshed on each visit. It does not contain personally identifiable information. Expires after 24 hours.
Necessary cookies cannot be disabled as they are required for basic site functionality and legal compliance.
Analytics Cookies (Optional)
With your consent, we use Google Analytics 4 (GA4) to understand how visitors use our calculators. Analytics cookies help us:
- Understand which calculators are most useful
- Identify pages that may have usability issues
- Improve site performance and user experience
Important: Your calculator inputs are never tracked or transmitted. Only page-level analytics (which pages you visit, how long you stay) are collected when you consent.
Managing Your Cookie Preferences
When you first visit our site, you will see a cookie consent banner where you can:
- Accept all cookies (enables analytics)
- Reject all optional cookies (disables analytics)
- Manage preferences to customize your choices
You can change your preferences at any time by clicking "Manage Cookies" in the footer of any page.
Global Privacy Control (GPC)
We honor the Global Privacy Control (GPC) browser signal. If your browser has GPC enabled, we automatically treat this as a request to opt out of analytics tracking.
Region-Aware Consent
We display different consent interfaces based on your location to comply with regional privacy laws:
- European Economic Area (EEA), UK, and Switzerland: We display a full consent banner requiring your explicit opt-in before enabling analytics. This complies with GDPR requirements for prior consent. Analytics are disabled by default until you choose to accept.
- United States and Canada: We display a simple notice bar informing you about our use of analytics. Under CCPA and similar regulations, analytics are enabled by default with an easy opt-out option. You can click "Opt Out" on the notice bar or use the "Do Not Sell or Share My Personal Information" link in our footer.
- Other Regions: For visitors from other regions, we default to the more protective opt-in model, showing the full consent banner.
Your region is detected automatically using your IP address at the network level. The resulting country code (e.g., "US" or "DE") is stored in the _geo cookie to ensure consistent behavior during your visit. This detection does not store or transmit your actual IP address to our servers.
Third-Party Services
Google Analytics 4 (GA4)
With your consent, we use Google Analytics 4 to collect anonymous usage data. GA4 may collect:
- Pages visited and time spent on each page
- Browser type, device type, and screen resolution
- General geographic location (country/region level)
- Referring website (how you found us)
We have configured GA4 with the following privacy settings:
- IP Anonymization: Your IP address is anonymized before being stored
- No User ID Tracking: We do not track individual users across sessions
- No Calculator Input Tracking: Your financial data and calculator inputs are never sent to Google
- Consent Mode v2: GA4 only collects data after you explicitly consent
For more information about how Google uses data, visit Google's Privacy Policy.
Advertising
Our site may display advertisements served by third-party advertising networks in the future. These networks may use cookies, web beacons, or similar technologies to collect information about your visits to this and other websites to provide targeted advertisements. If advertising is implemented, this policy will be updated and you will be prompted to consent.
How We Use Information
Information collected through server logs and (if implemented) analytics is used to:
- Monitor and improve site performance
- Understand how visitors use our calculators
- Identify technical issues
- Enhance user experience
We do not sell, trade, or otherwise transfer this information to third parties except as described in this policy.
Data Security
We implement reasonable technical and organizational measures to protect information collected through our site. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
Children's Information
Our site is not directed to individuals under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided information to us, please contact us and we will take appropriate action.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The "Last Updated" date at the top of this page indicates when this policy was last revised. We encourage you to review this policy periodically.
California Privacy Rights (CCPA)
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):
- Right to Know: Request disclosure of personal information collected
- Right to Delete: Request deletion of personal information
- Right to Opt-Out: Opt out of the sale of personal information
- Right to Non-Discrimination: Equal service regardless of exercising rights
Do Not Sell or Share My Personal Information: We do not sell your personal information. To opt out of analytics tracking, click "Do Not Sell or Share My Personal Information" in our footer or use the "Manage Cookies" option to disable analytics cookies.
To exercise additional rights, contact us at admin@markcolabs.com.
Consent
By using our site, you consent to this Privacy Policy. For optional data collection (such as analytics), we obtain your explicit consent through our cookie consent banner before collecting any data.