DividendCalculator.io ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you visit our website at dividendcalculator.io.

1. Information We Collect

DividendCalculator.io does not require user registration or accounts. We do not collect personal information such as names, email addresses, or phone numbers through our calculators. The only information we may collect includes:

Usage analytics: We use Google Analytics (via Google Tag Manager) to understand how visitors interact with our site, including pages visited, time spent, and general geographic region. This data is aggregated and does not identify individual users.
Calculator inputs: Any values you enter into our calculators (investment amounts, yields, etc.) are processed entirely in your browser and are never transmitted to our servers or stored in any database.
Contact information: If you contact us via email, we receive your email address and any information you choose to include in your message.

2. Cookies and Tracking

Our site uses a minimal number of cookies:

Functional cookies: We use localStorage to remember your preferences such as dark mode settings and saved calculator scenarios. These are stored locally on your device and never sent to our servers.
Analytics cookies: Google Analytics sets cookies to distinguish unique visitors and throttle request rates. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
We do not use advertising cookies, retargeting pixels, or social media tracking scripts.

3. Third-Party Services

We use the following third-party services to provide accurate financial data:

Financial data providers: Polygon.io, EODHD, Alpha Vantage, Finnhub, and FRED (Federal Reserve Economic Data) provide stock prices, dividend yields, and economic data displayed on our site.
Google Tag Manager / Google Analytics: Provides website usage analytics.
Cloudflare / CDN providers: Serve static assets such as fonts and icons.

No personal user data is transmitted to any of these financial data providers. API calls to retrieve stock data are made server-side and do not include any user information.

4. Data Storage and Retention

We cache financial market data on our server with time-based expiration to improve performance and reduce API calls. This cached data contains only publicly available stock prices and dividend information. We do not store any user-generated data, calculator inputs, or personal information on our servers. Any data saved through our calculator tools (such as scenario comparisons) is stored in your browser's localStorage and remains entirely on your device.

5. Your Rights (CCPA / GDPR)

Depending on your jurisdiction, you may have rights regarding your personal data:

Right to access: You may request information about what data we hold about you.
Right to deletion: You may request deletion of any personal data we hold.
Right to opt out: You may opt out of analytics tracking as described above.

Since we do not collect or store personal information through our calculators, most data requests would have no data to return. If you have contacted us via email, we will honor deletion requests for that correspondence. To exercise any of these rights, please contact us at [email protected].

6. Children's Privacy

DividendCalculator.io is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

7. AI Crawlers and Automated Access

Our robots.txt file restricts access from AI training crawlers (including GPTBot, ChatGPT-User, CCBot, and others) to protect our content and our users' privacy. Automated scraping of our site is not permitted without written authorization.

8. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page indicates when the policy was most recently revised. Continued use of the site after changes constitutes acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at [email protected] or visit our contact page.