Privacy Policy

2. Information We Collect

ADVANCE CONVERTER is designed to minimize data collection. We do not require account creation, registration, or submission of personally identifiable information (PII) to access any of our tools.

2.1 Data You Provide Voluntarily

If you use our Contact form, we collect the information you voluntarily submit, including your name, email address, and message content. This data is processed by our third-party form provider (Web3Forms) solely to deliver your message to our team and respond to your inquiry.

2.2 Automatically Collected Data

Like most websites, certain technical information is automatically collected when you visit our Service:

• Analytics Data: When you grant consent via our Cookie Banner, we use Google Analytics 4 (GA4) with IP anonymization enabled to collect aggregate usage statistics such as page views, session duration, device type, and approximate region. No financial calculation values, salaries, or conversion amounts are ever collected or sent to Google Analytics.
• Server Logs: Our hosting and CDN provider (Cloudflare) automatically processes standard HTTP request logs (including IP addresses, timestamps, and request headers) for infrastructure security, DDoS mitigation, and performance caching.
• Local Storage (Browser-Only): We use browser localStorage to store your light/dark theme preference (theme), your cookie consent status (ac_cookie_consent), and a temporary 1-hour exchange rate cache (ac_rates_cache_*). This data stays entirely on your local device.

3. Calculator & Conversion Data (Client-Side Privacy)

All calculations performed across our tools — including currency conversions, mortgage payment amortizations, 2026 US federal income tax estimates, and unit conversions — run entirely within your web browser via client-side JavaScript.

• No Financial Data Transmitted: Numbers you enter into our tools (such as loan balances, income amounts, tax deductions, or converted sums) are processed strictly in-memory on your local device. They are never sent to our servers, stored in databases, or shared with analytics or advertising partners.
• Exchange Rate Retrieval: The only network request made by our calculators is when the currency converter fetches the latest exchange rate table from our open rate provider (ExchangeRate-API). This request contains only the three-letter currency code in the URL path (e.g., /v6/latest/USD) with zero personal identifiers, user data, or input amounts.
• Educational & Indicative Nature: Rates and calculation outputs are indicative estimates for personal planning and benchmarking. They do not constitute official financial, lending, or tax advice.

4. Cookies & Tracking Technologies

4.1 Essential Infrastructure Cookies

Our hosting provider (Cloudflare) may set essential security cookies to distinguish legitimate traffic from automated threats and botnets. These cookies do not track you across other websites and cannot be deactivated.

4.2 Analytics Cookies (Google Consent Mode v2)

We implement Google Consent Mode v2. All analytics cookies default to denied until you explicitly grant consent through our Cookie Banner. If accepted, Google Analytics 4 collects aggregated, anonymized metrics to help us optimize page performance. You may withdraw consent at any time via the Cookie Preferences link in our footer or by using the Google Analytics Opt-out Browser Add-on.

4.3 Advertising Cookies

We use Google AdSense to serve advertisements that support the free operation of our platform. When permitted, Google and third-party advertising partners may use cookies to serve personalized or non-personalized ads based on prior browsing visits. You can manage personalized ad settings at Google Ads Settings or through AboutAds Choices.

5. How We Use Information

We use collected data solely for the following legitimate purposes:

• Service Reliability & Performance: Monitoring website health, page speed, and calculator responsiveness.
• Responding to Contact Inquiries: Replying to user feedback and support inquiries submitted through our Contact form.
• Platform Security: Protecting our infrastructure against unauthorized abuse, spam, and cyberattacks.
• Advertising Support: Displaying contextual or personalized ads (subject to your consent) to keep all calculation tools 100% free forever.

6. External Services & Network Requests

To operate our website, the following external network requests may be initiated by your browser:

• ExchangeRate-API (open.er-api.com): Fetches daily mid-market foreign exchange rate tables. Requests transmit only the selected currency code in the URL path. No cookies or personal data are exchanged.
• Google Analytics (Google LLC): Tracks anonymized site interactions only upon explicit consent. Does not receive financial inputs or calculation values.
• Google AdSense (Google LLC): Delivers advertising units according to your cookie preferences.
• Google Fonts (fonts.googleapis.com / gstatic.com): Delivers standard typography stylesheets and font files.
• Cloudflare Inc.: Provides CDN distribution, DNS routing, and DDoS mitigation.
• Web3Forms: Relays voluntary contact form submissions directly to our support inbox.

7. Data Retention

We do not operate a user database, and we do not store personal account profiles on our servers. Server logs are purged regularly by our hosting provider. If you submit a contact inquiry, your email and message are retained only for the duration required to address your question.

8. Your Privacy Rights

8.1 GDPR Rights (European Economic Area)

If you are located in the European Economic Area (EEA), you have the right to access, rectify, erase, restrict processing of, or object to the processing of your personal data. You may also have the right to data portability. Since we collect minimal personal data, most of these rights are satisfied by default. To exercise any remaining rights, please contact us through our Contact page.

8.2 CCPA Rights (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information. You have the right to know what personal information we collect, request deletion of your personal information, and opt out of the sale of your personal information. We do not sell personal information.

8.3 Do Not Track

Our Service does not currently respond to "Do Not Track" (DNT) browser signals. However, you can manage tracking preferences through the opt-out mechanisms described in Section 4.

9. Children's Privacy

Our Service is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.

10. Data Security

We implement industry-standard security measures to protect the information associated with our Service. All data transmitted between your browser and our servers is encrypted using TLS/SSL (HTTPS). Our hosting infrastructure is protected by Cloudflare's enterprise-grade security, including DDoS protection, Web Application Firewall (WAF), and bot management.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.

12. Contact Us & Cookie Preferences

If you have any questions, concerns, or requests regarding this Privacy Policy, your personal data, GDPR/CCPA rights, or our data practices, please email our privacy team directly at support@advanceconverter.com or reach out through our Contact page. We respond to all privacy-related inquiries within 30 days.

You may modify or withdraw your cookie consent at any time by clicking the Cookie Preferences button located in the footer of every page on our website.