We collect information to provide better services to our users. The types of information we collect include: Automatically Collected Information: - IP address (anonymized for EU users) - Browser type and version - Device information - Pages visited and time spent - Referring website Cookies and Similar Technologies: - Essential cookies: Required for site functionality - Analytics cookies: Help us understand how visitors use our site - Advertising cookies: Used to deliver relevant advertisements

We use the collected information for: - Providing and maintaining our calculator tools - Understanding how users interact with our services - Improving our services and user experience - Displaying relevant advertisements - Complying with legal obligations

We use the following third-party services: Google Analytics: We use Google Analytics to understand how visitors use our site. Google Analytics collects information such as how often users visit this site, what pages they visit, and what other sites they used prior to coming to this site. Google AdSense: Third party vendors, including Google, use cookies to serve ads based on a user's prior visits to your website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet. Users may opt out of personalized advertising by visiting Google Ads Settings. Affiliate Partners: We partner with financial service providers and may receive compensation when users click on affiliate links. This does not affect the information we provide or the cost to you.

What Are Cookies: Cookies are small text files stored on your device when you visit a website. Cookie Categories We Use: - Strictly Necessary: Essential for site operation (no consent required) - Analytics: Help us understand site usage (requires consent) - Advertising: Enable personalized ads (requires consent) Managing Cookies: You can manage your cookie preferences through our cookie consent banner or your browser settings. Note that disabling certain cookies may affect site functionality.

Depending on your location, you may have the following rights: - Access: Request a copy of your personal data - Rectification: Request correction of inaccurate data - Erasure: Request deletion of your data - Object: Object to processing of your data - Withdraw Consent: Withdraw previously given consent To exercise these rights, please contact us at the email address below.

We retain collected data only for as long as necessary to fulfill the purposes outlined in this policy. Analytics data is retained for 26 months in accordance with Google Analytics default settings.

Our Service is not directed to anyone under the age of 18. We do not knowingly collect personal information from anyone under 18. Financial planning tools are designed for adults who can make their own financial decisions.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA): - Right to Know: Request disclosure of personal information we have collected about you - Right to Delete: Request deletion of your personal information - Right to Opt-Out: Opt out of the "sale" of personal information - Right to Non-Discrimination: Equal service and pricing regardless of your privacy choices Important Note: We do not sell personal information in the traditional sense. However, the use of advertising cookies may constitute a "sale" under CCPA's broad definition. To exercise these rights, contact us at founder@thearcalabs.com or use the cookie consent preferences on our website.

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

If you have any questions about this Privacy Policy, please contact us at: founder@thearcalabs.com