Effective Date: January 1, 2025 |
Last Updated: January 1, 2025 |
Applies To: moneybloomlab.com and all subpages
🔒 Summary: CompoundCalc does not sell your personal data. We use Google Analytics for traffic analysis, Google AdSense for advertising, and collect emails only with your explicit consent. We do not require account creation or login.
1. Information We Collect
CompoundCalc collects the following categories of information:
1.1 Information You Voluntarily Provide
- Email address – when you subscribe to our newsletter or request an investment report via our lead capture form.
- Name (optional) – if you choose to provide it when subscribing.
- Calculator inputs – principal, interest rate, time period, contributions. These are processed locally in your browser and are not stored on our servers unless you use the share feature.
- Contact form messages – your name, email, and message when you contact us.
1.2 Information Collected Automatically
- IP address – collected by our servers and third-party services for security and analytics.
- Browser type and version – used for compatibility analysis.
- Pages visited and time spent – collected via Google Analytics for understanding user behavior.
- Referral source – the website or search engine that brought you to our site.
- Device type – mobile, tablet, or desktop, used for responsive design optimization.
- Cookies and similar technologies – see Section 3 for full details.
1.3 Information We Do NOT Collect
- We do not collect credit card numbers, bank account information, or any financial account credentials.
- We do not require registration or account creation.
- We do not collect sensitive personal data such as Social Security numbers, passport numbers, or health information.
2. How We Use Your Information
| Data Type | Purpose | Legal Basis |
|---|
| Email address | Send requested investment reports; newsletter delivery | Consent |
| Contact messages | Respond to inquiries and provide support | Legitimate interest |
| Analytics data | Understand traffic, improve content and UX | Legitimate interest |
| IP address | Security, fraud prevention, geographic analytics | Legitimate interest |
| Cookies | Advertising personalization, analytics, preferences | Consent (where required) |
We will never use your information in ways that are incompatible with the purposes described in this policy without obtaining your prior consent.
3. Cookies & Tracking Technologies
CompoundCalc uses the following types of cookies:
Essential Cookies
- calcTheme – Stores your dark/light mode preference (localStorage, not transmitted to servers).
Analytics Cookies
- _ga, _ga_*, _gid – Google Analytics cookies that track page visits, session duration, and user behavior in anonymized form. These expire after 2 years (_ga) or 24 hours (_gid).
Advertising Cookies
- Google AdSense cookies – Used by Google to serve personalized or non-personalized advertisements based on your browsing history. These are controlled by Google's privacy policies.
- IDE, DSID, __gads – DoubleClick advertising cookies used to measure advertising effectiveness.
Managing Cookies
You can control and/or delete cookies by adjusting your browser settings. However, blocking certain cookies may affect the functionality of the website. You can also:
4. Google AdSense & Advertising
CompoundCalc uses Google AdSense to display advertisements. This program allows Google to serve ads on our website based on users' visits to this site and other sites on the internet.
Key facts about Google AdSense on our site:
- Google may use cookies (listed above) to serve personalized ads based on your interests and browsing history.
- We have implemented Google AdSense per Google's program policies, including placement guidelines and content restrictions.
- CompoundCalc earns revenue when users click on displayed advertisements. This does not affect the price of any product or service advertised.
- We do not control the specific ads Google displays, and advertised products do not constitute an endorsement by CompoundCalc.
- For more information about Google's advertising practices, visit Google's Advertising Policies.
5. Google Analytics
We use Google Analytics 4 (GA4) to collect anonymized data about how visitors use our website. The information generated by Google Analytics cookies about your use of our website (including your IP address, which is anonymized) is transmitted to and stored by Google on servers in the United States.
Google Analytics helps us understand:
- How many people visit our site and which pages they read
- How long visitors spend on each page
- Which search terms and websites refer visitors to us
- What devices and browsers our visitors use
We use this data solely to improve our content and user experience. We do not combine Google Analytics data with personally identifiable information.
To opt out of Google Analytics across all websites, install the Google Analytics Opt-out Browser Add-on.
6. Email Communications
CompoundCalc offers an optional email newsletter and investment report delivery service. If you choose to subscribe:
- You provide your email address (and optionally, your name) voluntarily.
- We use your email to send the content you requested, and may occasionally send related educational content.
- We do not share your email address with third parties for their own marketing purposes.
- Every email we send includes an unsubscribe link. You can opt out at any time.
- We store email addresses securely in our database and retain them until you unsubscribe or request deletion.
To request deletion of your email address from our database, please use our Contact page or email privacy@moneybloomlab.com.
7. Data Sharing & Third Parties
We do not sell, rent, or trade your personal information. We share data with third parties only in the following limited circumstances:
- Service Providers: We may share data with trusted service providers who assist in operating our website (e.g., web hosting, database management), subject to strict confidentiality obligations.
- Google Services: We share anonymized analytics data with Google Analytics and allow Google AdSense to set advertising cookies on our site, as described above.
- Legal Requirements: We may disclose your information if required to do so by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights or the safety of others.
- Business Transfers: If CompoundCalc is acquired by or merged with another company, your information may be transferred as part of that transaction. We will notify you before this occurs.
8. Data Retention
We retain your personal data only for as long as necessary for the purposes described in this policy:
- Email addresses: Retained until you unsubscribe or request deletion.
- Contact form messages: Retained for up to 24 months to maintain a record of communications.
- Analytics data: Google Analytics retains data for 26 months (GA4 default setting).
- Server logs: Retained for up to 90 days for security and debugging purposes.
9. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- HTTPS/TLS encryption for all data transmission between your browser and our servers.
- Secure database storage for email addresses collected through our forms.
- Limited access to personal data on a need-to-know basis.
- Regular review of our data collection, storage, and processing practices.
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee its absolute security. In the event of a data breach that affects your rights, we will notify you as required by applicable law.
10. Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal data:
For All Users
- Access: Request a copy of the personal data we hold about you.
- Deletion: Request that we delete your personal data.
- Correction: Request correction of inaccurate personal data.
- Opt-out: Opt out of marketing emails at any time via the unsubscribe link.
California Residents (CCPA)
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the "sale" of personal information. We do not sell personal information. To exercise your California rights, contact us at privacy@moneybloomlab.com.
EU/EEA Residents (GDPR)
See Section 12 for information about your rights under GDPR.
To exercise any of your rights, please contact us using the information in Section 14. We will respond within 30 days of receiving your request.
11. Children's Privacy (COPPA)
CompoundCalc 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 personal information to us, please contact us immediately at privacy@moneybloomlab.com and we will promptly delete the information.
If you are between 13 and 17 years of age, please obtain parental consent before submitting any personal information to our website.
12. GDPR & International Users
If you are located in the European Union (EU), European Economic Area (EEA), or United Kingdom (UK), you have additional rights under the General Data Protection Regulation (GDPR) and/or UK GDPR:
- Right to access your personal data
- Right to rectification of inaccurate data
- Right to erasure ("right to be forgotten")
- Right to restrict processing in certain circumstances
- Right to data portability
- Right to object to processing based on legitimate interests
- Rights related to automated decision-making and profiling
Our legal bases for processing data are: (1) your consent, (2) performance of a contract, and (3) our legitimate interests in improving our services. You have the right to withdraw consent at any time.
To exercise your GDPR rights or to lodge a complaint, contact our data controller at privacy@moneybloomlab.com. You also have the right to lodge a complaint with your local data protection authority.
13. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable laws. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you through a notice on our website.
We encourage you to review this page periodically to stay informed about how we protect your information. Your continued use of CompoundCalc after any changes constitutes your acceptance of the updated Privacy Policy.