1. Who We Are

Canada Calculator Hub ("we", "us", or "our") operates the website at canadacalculatorhub.com. We provide free financial calculators and guides for Canadians. We are not a financial institution, tax advisor, or investment firm.

2. Information We Collect

Information you enter into calculators

All calculator inputs (income, province, amounts, etc.) are processed entirely in your browser. We do not store, transmit, or have access to any numbers you enter into our calculators. The calculations happen locally on your device.

Information collected automatically

When you visit our site, we may automatically collect:

• Browser type and version
• Pages visited and time spent on each page
• Referring website (how you found us)
• Device type (desktop, mobile, tablet)
• General geographic location (country/province level — not precise location)
• IP address (used for analytics, not stored long-term)

This information is collected through analytics tools to help us understand how our site is used and improve it.

3. Cookies and Tracking

We use cookies and similar technologies for the following purposes:

Analytics cookies

We use Google Analytics to understand how visitors use our site — which calculators are most used, how long people stay, and where traffic comes from. Google Analytics uses cookies to track these metrics anonymously. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Advertising cookies

We use Google AdSense to display advertisements on our site. Google AdSense may use cookies to show you ads based on your browsing history and interests. These cookies are set by Google, not by us. You can manage your Google ad preferences at adssettings.google.com.

For more information on how Google uses data, visit policies.google.com/technologies/partner-sites.

Managing cookies

You can control and/or delete cookies through your browser settings. Disabling cookies may affect the functionality of some features. Most browsers allow you to refuse cookies or delete existing ones.

4. How We Use Information

We use the information collected to:

• Understand how our website and calculators are used
• Improve the accuracy and usability of our tools
li>Display relevant advertisements through Google AdSense
• Monitor site performance and fix technical issues
• Comply with legal obligations

We do not sell your personal information to third parties. We do not use your data for direct marketing or send unsolicited emails.

5. Third-Party Services

Our website uses the following third-party services, each with their own privacy policies:

• Google Analytics — website analytics. Privacy Policy
• Google AdSense — advertising. Privacy Policy
• Google Fonts — typography (fonts loaded from Google servers). Privacy Policy
• Cloudflare — website hosting and CDN. Privacy Policy

6. Data Retention

We do not store personal data on our servers beyond what is collected automatically by analytics and advertising tools. Analytics data is retained for 26 months by default in Google Analytics. You may request deletion of your data at any time by contacting us.

7. Children's Privacy

Our website 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 delete it promptly.

8. Your Rights (Canadian Residents)

Under Canadian privacy law (PIPEDA), you have the right to:

• Know what personal information we hold about you
• Request access to your personal information
• Request correction of inaccurate information
• Withdraw consent to our use of your information
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise any of these rights, contact us using the information below.

9. External Links

Our website contains links to external sites, including the Canada Revenue Agency (CRA) and other government websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies when you visit them.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the site after changes constitutes acceptance of the updated policy.

11. Disclaimer

The calculators and information on Canada Calculator Hub are for informational purposes only. They do not constitute financial, tax, legal, or investment advice. Always verify important financial figures with the Canada Revenue Agency or a qualified professional before making financial decisions.