Privacy Policy

Who we are

FinanceWithoutFluff.com ("we," "us") is operated by Kaivora LLC. You can reach us at [email protected].

Information we collect

The calculators on this site run entirely in your browser — numbers you enter into them are never sent to us or stored anywhere. We do not require an account to use any calculator.

If you submit the feedback form, we receive the message and, if you provide one, your email address, through our form provider (Formspree). We use this only to read and respond to feedback.

Cookies and advertising

This site currently shows no advertising. There are no ad networks on the site, no advertising cookies, and no tracking for advertising purposes — which is why you don't see a cookie consent banner here: there's nothing to consent to.

If we introduce display advertising in the future (for example, Google AdSense), we will update this policy first, and we will add a consent management tool that asks visitors in the EU, UK, and California for consent before any personalized ads load.

Analytics

We use Cloudflare Web Analytics on every page. It is cookie-free: it does not set cookies, does not fingerprint you, and does not track you across other sites. It gives us aggregate counts — which pages get visited and roughly how often — not profiles of individual visitors.

Children's privacy

This site is not directed at children under 13, and we do not knowingly collect information from children under 13.

Changes to this policy

We may update this policy as the site changes. The "last updated" date above will reflect the most recent revision.

Contact

Questions about this policy: [email protected].