Privacy Policy

Last updated: September 7, 2025

This Privacy Policy describes how Cumulative Interest Calculator (“Company”, “we”, “us”, or “our”) collects, uses, and shares information when you visit or use https://cumulativeinterestcalculator.org (the “Website” or “Service”). By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

If you do not agree with this Privacy Policy, please discontinue use of the Website.

Interpretation and Definitions

Interpretation

Words with initial capital letters have meanings defined below. The following definitions apply whether they appear in singular or plural.

Definitions

  • Account means a unique account created for you to access parts of our Service (if accounts are ever enabled).
  • Affiliate means an entity that controls, is controlled by, or is under common control with us.
  • Company (referred to as either “the Company”, “we”, “us”, or “our”) refers to Cumulative Interest Calculator.
  • Cookies are small files placed on your device that store certain information about your browsing activity.
  • Country refers to Pakistan.
  • Device means any device that can access the Service, such as a computer, smartphone, or tablet.
  • Personal Data means any information relating to an identified or identifiable individual.
  • Service refers to the Website located at https://cumulativeinterestcalculator.org.
  • Service Provider means any natural or legal person who processes data on our behalf.
  • Usage Data means data collected automatically by the Service (for example, pages visited, duration, and diagnostics).
  • Website refers to Cumulative Interest Calculator, accessible at https://cumulativeinterestcalculator.org/.
  • You means the individual using the Service or the legal entity on whose behalf such individual uses the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide certain Personal Data that can be used to contact or identify you (for example, if you submit a contact form). Personal Data may include, but is not limited to:

  • Email address
  • First and last name
  • Any information you provide in a support/feedback form

Usage Data

Usage Data is collected automatically when using the Service. Usage Data may include information such as your Device’s IP address, browser type/version, pages you visit, date/time of your visit, time spent on pages, unique device identifiers, and other diagnostic data. When you access the Service via a mobile device, Usage Data may include your mobile device type, OS, and browser.

Tracking Technologies and Cookies

We use Cookies and similar technologies (such as pixels and scripts) to operate, analyze, and improve our Service.

  • Cookies or Browser Cookies. A cookie is a small file placed on your Device. Most browsers let you refuse Cookies or alert you when a Cookie is set. If you disable Cookies, some features of the Service may not function properly.
  • Web Beacons. Certain pages or emails may contain small files (clear gifs, pixel tags, single-pixel gifs) that allow us to count users who have visited or opened an email and perform related analytics.

Types of Cookies we may use:

  • Necessary / Essential Cookies (Session): These are required to provide core features (e.g., basic security and load balancing).
  • Preferences / Functionality Cookies (Persistent): These remember choices you make (e.g., interface settings) to personalize your experience.
  • Analytics Cookies (Persistent): These help us understand how visitors use the Website so we can improve content and performance.

For more information about Cookies and how to manage them, see your browser’s help documentation or the Cookies section of this Privacy Policy.

Use of Your Personal Data

We may use Personal Data for the following purposes:

  • To provide and maintain the Service (including usage monitoring, troubleshooting, and security).
  • To manage inquiries and requests you send us (e.g., support emails or form submissions).
  • To contact you about updates, responses to your requests, or important changes to the Service and this Privacy Policy.
  • To analyze and improve the Service, content, and user experience.
  • For business transfers such as merger, acquisition, or asset sale (where Personal Data may be part of transferred assets).
  • For legal compliance and to protect our rights, privacy, safety, or property, and/or that of our users or others.

Sharing Your Personal Data

We may share information in the following situations:

  • With Service Providers: To process analytics, hosting, security, email delivery, or similar services on our behalf.
  • For business transfers: In connection with any merger, sale of Company assets, financing, or acquisition of all or a portion of our business.
  • With Affiliates: We may share with our affiliates; those affiliates will honor this Privacy Policy.
  • With business partners: To offer certain features or promotions (only with appropriate protections).
  • With other users: If you post content in public areas, the information may be publicly available.
  • With your consent: We may disclose your information for any other purpose with your explicit consent.
  • For legal reasons: If required by law, court order, or government request.

Retention of Your Personal Data

We retain Personal Data only as long as necessary for the purposes set out in this Privacy Policy or to comply with legal obligations, resolve disputes, and enforce agreements. Usage Data is typically retained for a shorter period unless needed for security or to improve functionality.

Transfer of Your Personal Data (International Transfers)

Your information may be processed outside your jurisdiction. By using the Service, you consent to the transfer of information to countries that may have different data protection laws than your own. We take reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy.

Delete or Access Your Personal Data

You may request to access, correct, or delete Personal Data we hold about you. If we provide any account features in the future, you may also be able to update certain information directly. To submit a request, see Contact Us below. We will comply with requests as required by applicable law, subject to necessary retention for legal obligations.

Your Rights (Overview)

Depending on your location, you may have rights that include:

  • The right to access and obtain a copy of your Personal Data
  • The right to rectification (correction of inaccurate data)
  • The right to erasure (deletion), in certain circumstances
  • The right to restrict or object to processing
  • The right to data portability
  • The right to withdraw consent where processing is based on consent

To exercise these rights, contact us using the details in Contact Us.

Security of Your Personal Data

We use commercially reasonable measures to protect Personal Data. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Children’s Privacy

Our Service is not directed to children under 13. We do not knowingly collect Personal Data from anyone under 13. If you believe your child provided Personal Data, please contact us so we can take appropriate steps to delete it. If a country’s laws require parental consent for processing, we may request such consent as needed.

Links to Other Websites

The Service may contain links to third-party websites not operated by us. If you click a third-party link, you will be directed to that site. We strongly advise you to review the Privacy Policy of every site 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.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the new version on this page and update the “Last updated” date above. Significant changes may also be communicated via a notice on the Website. Please review this Privacy Policy periodically for any changes.

Contact Us

If you have questions about this Privacy Policy or our data practices, you can contact us:

Privacy Policy