Privacy Policy

1. Introduction & Scope

Welcome to the Debt to Income Ratio Calculator ("we," "our," or "us"). We respect your privacy and are committed to protecting it. This Privacy Policy explains how we handle information when you visit and use our website and web application.

2. Localized Calculation Data (Zero Storage)

Your trust is important to us. Unlike other online calculators that upload your financial numbers to external servers, **all calculations on our tool run entirely locally within your own browser**.

We do not collect, transmit, store, or share any of the financial inputs or outputs from your DTI calculations, including:

• Annual or monthly income details
• Mortgage, rent, car loan, student loan, or credit card debt amounts
• Calculated debt-to-income ratios
• What-If scenario inputs or modifications

3. Information We Collect

We may collect limited general or technical information in the following circumstances:

• Review Submissions: If you choose to submit a review on our Contact & Reviews page, we collect your name, rating, and review text. This data is sent directly to us and may be stored to help us improve the site and display testimonials.
• Web Server Logs & Usage Data: Like most websites, our host server may automatically log standard web requests, including your IP address, browser type, referring/exit pages, and timestamps. This data is used solely for technical operation, security monitoring, and site performance optimization.

4. Cookies and Tracking Technologies

We may use cookies or browser local storage to save your preference selections (such as your preferred currency or theme mode) to keep your preferences intact between visits. These cookies do not contain personal details or track you across other websites.

If we show third-party ads (like Google AdSense) on this site, these third-party vendors may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting your Google Ad Settings or online choices opt-out pages.

5. Third-Party Link Disclaimer

Our website may contain links to external sites (such as financial institutions, credit reporting bureaus, or mortgage lenders). Please note that we do not operate these external sites. We strongly advise you to review the Privacy Policy of every website you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

6. Data Security

We implement industry-standard administrative and technical security measures to protect the information under our control. However, please be aware that no transmission of data over the internet can be guaranteed as 100% secure.

7. Updates to This Policy

We reserves the right to update or modify this Privacy Policy at any time. Any changes will become effective immediately upon publishing the revised policy on this page, marked with an updated "Last Updated" date.

8. Contact Us

If you have any questions or suggestions regarding this Privacy Policy, please feel free to contact us at:

PLACEHOLDER_EMAIL