Privacy Policy

1. Who We Are

StudentLoanCalc.net ("we", "our", or "us") is a free online student loan calculator tool serving users in the United States, United Kingdom, and worldwide. Our website is located at https://studentloancalc.net.

For any privacy-related questions, you can contact us at contact@studentloancalc.net.

2. Information We Do NOT Collect

When you use our student loan calculator, we do not collect, store, or transmit any of the following:

• Your loan amount, interest rate, or loan term
• Your income or family size (used for IBR/SAVE calculations)
• Your name, email address, or any contact details
• Your financial account information
• Any personally identifiable information (PII)

All calculations in our student loan calculator are performed entirely within your web browser using JavaScript. No data is ever sent to our servers.

3. Information We Do Collect Automatically

Like most websites, we collect certain non-personal technical information automatically when you visit our site. This includes:

3.1 Log Data

Our web hosting provider (Hostinger) automatically records standard server log information including your IP address, browser type, referring/exit pages, and the date and time of your visit. This data is used solely for security and performance monitoring.

3.2 Cookies

We use cookies in limited ways:

• Essential cookies: Required for basic website functionality
• Analytics cookies: We may use Google Analytics to understand how visitors use our site (pages visited, time on site, general location). This data is aggregated and anonymous.
• Advertising cookies: Google AdSense may place cookies to show relevant advertisements. See Section 5 for details.

You can disable cookies in your browser settings at any time. Our calculator will continue to function without cookies.

4. How We Use Information

The limited technical information we collect is used only to:

• Operate and maintain the website
• Monitor website performance and security
• Understand general usage patterns to improve the tool
• Comply with legal obligations

We never sell, rent, or share your information with third parties for marketing purposes.

5. Google AdSense & Third-Party Advertising

StudentLoanCalc.net uses Google AdSense to display advertisements. Google AdSense may use cookies and web beacons to serve ads based on your prior visits to our website or other websites on the internet.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the internet.

• You may opt out of personalised advertising by visiting Google Ad Settings
• You may opt out of third-party vendor cookies by visiting NAI opt-out page

For more information on how Google uses data from sites that use its services, please visit: Google Privacy & Terms.

6. Google Analytics

We may use Google Analytics, a web analytics service provided by Google Inc. Google Analytics uses cookies to help us analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.

Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity, and providing other services relating to website activity and internet usage. You can prevent Google from collecting your data by downloading the Google Analytics Opt-out Browser Add-on.

7. Data Security

Since we do not store any of your financial calculation data, there is no database of sensitive information that could be compromised. The security measures we have in place include:

• HTTPS encryption on all pages (SSL certificate)
• Regular security updates from our hosting provider
• No storage of personally identifiable financial data

8. Children's Privacy

StudentLoanCalc.net is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at contact@studentloancalc.net and we will take steps to remove such information.

9. Your Rights (GDPR & CCPA)

For EU/UK Users (GDPR)

Under the General Data Protection Regulation, you have the right to access, rectify, erase, restrict, and object to the processing of your personal data. Since we collect minimal data and do not store financial calculation data, most of these rights will apply only to any analytics or log data we hold.

For California Users (CCPA)

California residents have the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information.

To exercise any of these rights, contact us at contact@studentloancalc.net. We will respond within 30 days.

10. Third-Party Links

Our website contains links to third-party websites including student loan servicers, payment organisations, and government resources (such as studentaid.gov). These third-party sites have their own privacy policies. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policy of any site you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top. We recommend checking this page periodically for any changes.

Your continued use of StudentLoanCalc.net after any changes to this Privacy Policy constitutes your acceptance of the new policy.

12. Contact Us

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

• Email: contact@studentloancalc.net
• Website: https://studentloancalc.net

We aim to respond to all privacy-related enquiries within 5 business days.