Privacy policy

CalcHubb ("we," "us," or "our") operates the website calchubb.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

1. Information We Collect

CalcHubb is designed to respect your privacy. Our calculators run entirely in your browser — we do not collect, store, or transmit any of the financial data you enter into our calculators.

We may collect the following information:

Automatically Collected Information

• Pages visited, time spent, and interactions (via Google Analytics)
• Browser type, device type, and operating system
• Approximate geographic location (country/region level, via Vercel edge headers)
• Referring website or search terms
• IP address (anonymized by Google Analytics)

Information You Provide

• Contact form submissions: name, email address, subject, and message content. This data is stored securely in Google Firebase (Firestore) to enable us to respond to your inquiry.
• Newsletter signup: email address, used solely to send periodic updates about new calculators and financial tools. You can unsubscribe at any time.
• Cookie preferences: your consent choice is stored locally in your browser.

2. How We Use Information

We use the information we collect to:

• Understand which calculators are most useful and improve our tools
• Monitor site performance and fix technical issues
• Analyze traffic sources to better serve our audience
• Respond to your contact form submissions
• Send newsletter updates (only if you opted in)
• Personalize your experience (e.g., showing your state's data first)

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. When you first visit CalcHubb, a cookie consent banner allows you to accept or decline non-essential cookies.

Essential Cookies

These are necessary for the site to function (e.g., theme preference, language selection, geo-personalization). They cannot be disabled.

Analytics Cookies (Google Analytics)

We use Google Analytics to understand how visitors interact with our site. Google Analytics uses cookies to collect anonymous usage data. You can opt out by installing the Google Analytics Opt-out Browser Add-on.

Advertising Cookies (Google AdSense)

We use Google AdSense to display advertisements. Google and its partners may use cookies and web beacons to serve ads based on your prior visits to this and other websites. You can opt out of personalized advertising by visiting Google's Ads Settings or the Network Advertising Initiative opt-out page.

For more information about how Google uses data from partner sites, visit Google's Privacy & Terms.

4. Third-Party Services

We use the following third-party services, each with their own privacy policies:

• Google AdSense: Display advertising — Privacy Policy
• Google Analytics: Website analytics — Privacy Policy
• Google Firebase (Firestore): Contact form data storage — Privacy Policy
• Vercel: Hosting, content delivery, and edge network — Privacy Policy

5. Data Retention

We retain your data only as long as necessary to fulfill the purposes described in this policy:

• Contact form submissions: retained for up to 12 months, then deleted.
• Newsletter subscriptions: retained until you unsubscribe.
• Analytics data: retained by Google Analytics for 14 months (default retention period).
• Cookie preferences: stored in your browser until you clear your data.

6. Children's Privacy

CalcHubb is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. Our financial calculators are designed for adults making financial decisions about mortgages, taxes, retirement planning, and investments. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@calchubb.com and we will promptly delete such information from our systems.

7. Your Rights Under US State Privacy Laws

Depending on your state of residence, you may have specific privacy rights under laws such as the California Consumer Privacy Act (CCPA), Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), or Connecticut Data Privacy Act (CTDPA). These rights may include:

• Right to Know: You can request information about what personal data we collect and how we use it.
• Right to Delete: You can request deletion of personal data we have collected from you.
• Right to Opt-Out: You can opt out of the sale or sharing of your personal information. CalcHubb does not sell personal information to third parties.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, contact us at privacy@calchubb.com. We will respond to verified requests within 45 days as required by applicable law. We may need to verify your identity before processing your request.

8. International Visitors

CalcHubb is operated from the United States and our calculators use US-specific financial data (federal and state tax brackets, US mortgage rates, American insurance averages). If you access our site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using CalcHubb, you consent to the transfer of your information to the United States.

If you are visiting from the European Economic Area (EEA), United Kingdom, or other regions with data protection laws, you have additional rights:

• Legal Basis: We process your data based on legitimate interest (analytics to improve our service) and consent (advertising cookies, newsletter).
• Right of Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can request correction of inaccurate data.
• Right to Erasure: You can request deletion of your personal data.
• Right to Restrict Processing: You can request that we limit how we use your data.
• Right to Data Portability: You can request your data in a machine-readable format.
• Right to Object: You can object to processing based on legitimate interest.

To exercise these rights, please contact us.

9. How We Protect Your Information

We implement appropriate technical and organizational security measures to protect your personal information. Our website uses HTTPS encryption for all data in transit. We use Vercel's enterprise-grade hosting infrastructure with DDoS protection and edge caching. Contact form data stored in Firebase Firestore is encrypted at rest and protected by Google Cloud's security infrastructure. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

10. Do Not Track

Some browsers include a "Do Not Track" (DNT) signal. Because there is no accepted standard for how to respond to DNT signals, our site does not currently respond to DNT browser signals. However, you can manage your cookie preferences through our cookie consent banner.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you via a prominent notice on our website. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us About Privacy

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: privacy@calchubb.com
• Contact Form: calchubb.com/contact
• Response Time: We aim to respond to all privacy-related inquiries within 5 business days.