Privacy Policy

How Our Tools Handle Your Data

Every tool on this site runs entirely inside your web browser. When you enter a balance, a state, a date, an account type, or paste text from a credit report, that information is processed on your own device and is never sent back to us. We do not see it, store it, or transmit it anywhere.

If a specific tool ever needs to send something to a server to work, that tool will say so clearly on its own page. Unless you see such a notice, assume nothing you type leaves your browser.

What We Collect

Only two things, and only the minimum needed to run the site:

• Anonymous, aggregate traffic statistics. We count page views ourselves, on our own server, and store them in our own database. There is no third-party analytics company involved, no tracking script, and no cookie. For each page view we record the page, the approximate country and city our host reports for the connection, the site that linked you (if any), and whether you were on a phone or a computer.
  
  To count returning visits within a single day without identifying anyone, we store a one-way scrambled code made from your connection details plus a secret that we replace every day. It cannot be turned back into your IP address, and because the secret changes daily it cannot be used to follow you from one day to the next. We never store your IP address.
• Your email address — only if you opt in. If you choose to give us your email to receive updates or further information, we store it for that purpose alone. It is strictly opt-in. You can use every single tool on this site without ever providing an email address.

How We Use It

• Aggregate statistics help us see which tools and articles are useful so we can improve them. They are never linked to an individual.
• Your email is used only to send the updates you asked for. That is the entire purpose — nothing else.

What We Never Do

• We never sell, rent, or trade your information to anyone, for any reason.
• We never use your data beyond what is described here. No profiling, no resale, no hidden purposes.
• We never store your tool inputs — there is no record on our servers of what you entered into any calculator or letter generator.
• We never ask for sensitive identifiers like Social Security numbers, bank logins, or full account numbers, and we never connect to your financial accounts.

Unsubscribing & Deletion

Every email we send includes a one-click unsubscribe link that deletes your address from our system entirely. We do not move you to a "suppressed" list or keep a copy — once you unsubscribe, we retain nothing.

If you would like your email removed at any time without waiting for an email, just write to chadananda@gmail.com and it is deleted on request. Because tool inputs are never stored, there is no usage data to delete.

Cookies & Tracking

We set no advertising or cross-site tracking cookies on this domain. Our analytics use no cookies at all — nothing is stored on your device to count a visit. A tool may use your browser's local storage to remember a small preference (for example, the last state you selected) — that stays on your device and never reaches us.

Where advertising or affiliate links appear, those third parties may set their own cookies under their own privacy policies. You can block third-party cookies in your browser settings without affecting any tool.

Children's Privacy

This site is not directed at children under 13, and we do not knowingly collect information from anyone under 13. If you believe a child has provided an email address, contact us and the address is deleted immediately.

Changes to This Policy

If we make a material change, we will update the date below and, where appropriate, notify email subscribers. Continued use of the site after a change means you accept the updated policy.

Contact

Privacy questions or requests: chadananda@gmail.com