Privacy Policy

1. The Short Version

CD Calculator does not collect, store, or transmit the financial data you enter into our calculators. All calculations happen entirely in your browser. Your numbers never leave your device.

We do not use cookies to track you across the web. We do not sell your data.

2. Information We Do Not Collect

The following data is processed locally in your browser and is never sent to any server:

• Deposit amounts, interest rates, and term lengths you enter into calculators

• Tax rates and inflation rates you configure

• Your calculation results and scenarios

• Your IP address is not stored by our application (though our hosting provider may log it for security purposes)

3. Information We May Collect

We use privacy-friendly analytics to understand aggregate, anonymous usage patterns — such as which pages are visited and general geographic region. This data is not linked to you personally.

If you contact us via email or a form, we will receive the information you choose to provide (such as your email address and message content).

4. Cookies and Local Storage

We do not use tracking cookies. The Site may use browser local storage to remember your calculator inputs during a session for convenience (e.g., preserving your last entered values when you navigate away and return). This data stays on your device.

Third-party services we use (such as Google Fonts and our hosting provider) may set their own cookies. These are governed by their respective privacy policies.

5. Third-Party Services

We use the following third-party services:

• Google Fonts: loads web fonts (Newsreader, Hanken Grotesk, IBM Plex Mono). Google may log font requests.

• Our hosting provider: serves the static website files.

• Affiliate partners: if you click an affiliate link, you will be redirected to a third-party bank website governed by that institution's privacy policy.

We are not responsible for the privacy practices of third-party services.

6. Advertising

We do not run third-party ad networks (such as Google AdSense). Our only revenue model is affiliate commissions from bank links on our CD Rates page.

7. Data Security

Because we do not collect or store user financial data, there is no centralized database of user information that could be breached. The Site is statically generated and served as plain HTML, CSS, and JavaScript files.

8. Children's Privacy

The Site is not directed at children under 13. We do not knowingly collect personal information from children.

9. Your Rights

Since we do not maintain user accounts or store personal data, traditional data access and deletion requests do not apply. If you have contacted us and want your message deleted, please email us and we will comply.

If you are a California resident (CCPA) or EU resident (GDPR), you may have additional rights under applicable law. Contact us for assistance.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date below reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated policy.

11. Contact

If you have questions about this Privacy Policy, please reach out through the information on our About page.