Privacy Policy
Last Updated: October 19, 2026 · Effective Date: October 19, 2026
Summary: Your Financial Inputs Are Never Stored On Our Servers
SmartPayCalc executes 100% of mathematical calculations directly inside your web browser. We do not transmit, collect, or store your salary, loan amounts, mortgage balances, or tax details.
1. Information We Do Not Collect
SmartPayCalc is a registration-free utility. We do not require accounts, logins, credit cards, or personal identifiers (such as Social Security Numbers, names, or addresses).
Country & Language Detection, Local Storage
To open the calculator hub for your country, the home page checks your approximate country (from the edge network's request metadata, your browser language and time zone) in your browser. We do not store this on our servers. Your theme and country preference are saved only in your browser's local storage; clear your browser data to remove them. Add ?geo=off to the home page URL to skip automatic country routing.
2. Google AdSense & Third-Party Cookies
To cover hosting and bandwidth costs, this website uses Google AdSense to serve contextual advertisements:
- Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this or other websites.
- Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.
- Users may opt out of personalized advertising by visiting Google Ads Settings or www.aboutads.info.
3. Contact Information
If you have questions about this privacy policy, you may reach out via our contact page or email at contact@smartpaycalc.com.