Privacy Policy

1. Overview

Tabularo (“we,” “our,” or “us”) operates the website at www.tabularo.com and provides free online calculators for personal finance, mortgage planning, and related topics. This Privacy Policy explains what information we collect when you use our site, how we use it, and your choices. We are committed to being transparent about our data practices and keeping them as minimal as possible.

We do not offer user accounts, and we do not collect or store any personally identifiable information directly. You can use every calculator on Tabularo without providing us your name, email address, phone number, or any other personal details.

2. Information We Collect

Calculator inputs: All calculations run entirely in your browser. Numbers you enter into our calculators (loan amounts, interest rates, salaries, etc.) are processed locally on your device and are never transmitted to our servers or stored anywhere.

Analytics data: We use Google Analytics to understand how visitors use the site. Google Analytics collects standard usage data such as page views, session duration, referrer source, browser type, approximate geographic location, and similar non-identifying usage statistics. Google Analytics uses cookies to distinguish unique users and sessions. No personally identifiable information is intentionally collected or stored.

Server logs: Like all web servers, ours may temporarily retain standard server log data (IP addresses, request timestamps, HTTP status codes) for security and operational purposes. This data is not linked to any individual and is not used for marketing or tracking purposes.

3. Cookies

Google Analytics, our analytics provider, sets first-party cookies (such as _ga and _ga_*) to distinguish unique visitors and track session information. These cookies do not contain personally identifiable information.

If Google AdSense advertising is enabled on the site, Google may set third-party cookies to serve relevant advertisements and measure ad performance. When AdSense is active and a visitor is located in the EU, EEA, or UK, Google displays its own consent prompt before loading personalized ads. This prompt is part of Google’s EU User Consent Policy and is fully managed by Google — Tabularo does not operate a separate cookie consent banner. Visitors outside the EU/EEA/UK may see personalized ads without a separate consent prompt, consistent with standard AdSense behavior.

You can opt out of personalized advertising at any time by visiting Google’s Ads Settings. You may also opt out via the Network Advertising Initiative opt-out page. To opt out of Google Analytics tracking specifically, you can install the Google Analytics Opt-out Browser Add-on.

4. Third-Party Services

Google Analytics — We use Google Analytics to collect aggregate website usage statistics. Google’s privacy policy is available at policies.google.com/privacy.

Google AdSense — When advertising is active, we use Google AdSense to display advertisements. Google, as a third-party vendor, uses cookies to serve ads. Google’s privacy policy is available at policies.google.com/privacy.

We do not sell, trade, rent, or otherwise share any user data with any third party beyond what is described in this policy.

5. Use of Information

The aggregate analytics data we receive through Google Analytics is used solely to understand which calculators are most useful to visitors, how users navigate the site, and how to improve the product. It is never used to identify individuals or build behavioral profiles.

6. Data Retention

Because we do not collect personal data directly, there is nothing to delete on request. Google Analytics data retention is set according to our Google Analytics account settings. Server log data, if retained, is kept for no longer than 30 days and is not linked to individuals.

7. Children’s Privacy

Tabularo is not directed at children under the age of 13. We do not knowingly collect any personal information from children. If you believe a child has provided us information, please contact us and we will take steps to delete it.

8. 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. Continued use of the site after changes are posted constitutes acceptance of the updated policy. We encourage you to review this page periodically.

9. Contact

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at contact@tabularo.com.