Last updated: August 22, 2026

Privacy Policy

This Privacy Policy explains how RateLedger handles information when you visit and use our free financial calculator website. RateLedger is an independent publisher of mortgage, loan, savings and investment tools. We aim to provide useful financial education while collecting only the information needed to operate and improve the site.

1. Introduction

This policy applies to the RateLedger website, its calculators, contact pages and related content. By using the site, you acknowledge the practices described here. The calculators are informational tools only and are not financial advice.

2. Information We Collect

The numbers you enter into a calculator are processed entirely in your web browser. They are not transmitted to RateLedger, stored in our database, or shared with us. Calculator results are generated on your device, and closing or refreshing the page removes the values unless your browser itself retains them temporarily. We may receive limited technical information that browsers ordinarily provide, such as device type, browser, approximate region and pages visited, particularly when analytics or advertising services are enabled. If you send us a message through the Contact Us form, we collect the name, email address, subject and message you choose to provide so that we can respond and keep a record of the inquiry.

3. Cookies and Tracking Technologies

RateLedger and service providers working on our behalf may use cookies, local storage, pixels and similar technologies for site functionality, analytics and advertising purposes. These technologies can help remember preferences such as language or theme, understand which pages are useful, measure traffic and deliver or limit advertisements. You can manage or delete cookies through your browser settings. Blocking some cookies may affect preferences or the operation of third-party advertising, but the core calculator mathematics remains available.

4. Third-Party Advertising (Google AdSense)

The site may use Google AdSense and other third-party vendors to serve advertisements. These vendors use cookies to serve ads based on a user’s prior visits to this and other websites. Users can opt out of personalized advertising by visiting Google’s Ads Settings at www.google.com/settings/ads or by visiting aboutads.info. Third-party vendors may process information under their own privacy policies, and RateLedger does not control the cookies or data practices of those vendors.

5. Google Analytics

RateLedger uses Google Analytics 4 to understand how visitors use the site, such as which pages are viewed, approximate device and browser type, and approximate region. Google Analytics uses cookies and similar technologies to collect this information in an aggregated form. The numbers you enter into the calculators are not collected by Analytics. You can learn more about how Google uses data at policies.google.com/technologies/partner-sites, and you can opt out by installing the Google Analytics Opt-out Browser Add-on (tools.google.com/dlpage/gaoptout).

6. Children’s Privacy

RateLedger is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has submitted personal information to us, please contact us so that we can review and delete it where appropriate.

7. Your Choices

You can control cookies through your browser’s privacy settings, clear local storage, or use available advertising controls such as Google’s Ads Settings and aboutads.info. You may also choose not to submit personal information through the contact form. Privacy questions, requests or concerns can be sent through our Contact Us page.

8. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes to the website, technology, advertising partners or legal requirements. When we make a material change, we will revise the “Last updated” date at the top of this page. Your continued use of RateLedger after an update means you accept the revised policy.

9. Contact Information

If you have a privacy question or want to ask about information submitted through the site, please contact us at abdulaziz.b.b.35@gmail.com or through the Contact Us page. We will review reasonable privacy inquiries and respond as appropriate.

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