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 is supported by display advertising served by Google AdSense. When ads are shown, Google and its partners may use cookies and similar technologies to serve ads based on your visits to this and other sites. Where required by law (including the EU/UK and California), we ask for your consent to personalized advertising through a consent management tool before any personalized ads are shown, and you can change your choice at any time using that tool.

You can learn more about how Google uses data from sites that use its services at Google's "How Google uses information from sites or apps that use our services" page, and you can control ad personalization at Google Ads Settings.

Analytics

We do not currently use third-party analytics that track you across sites or collect personal information. If we add privacy-focused, cookie-free analytics (such as Cloudflare Web Analytics) in the future, it will not use cookies or track you across other sites.

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].