Privacy Policy
Effective Date: September 29, 2026 • Last Reviewed: October 10, 2026
🛡️ Our Core Privacy Guarantee
At HandyTallies, we believe your personal financial numbers are strictly private. All mathematical models—including your principal balance, monthly contributions, target yields, and years of accumulation—are processed entirely in your device's browser memory (client-side execution). We never transmit, store, sell, or log your calculation numbers on any server or third-party database.
1. 100% Client-Side Computational Sandbox
When you enter values into our calculators (e.g., SCHD Dividend Calculator), our JavaScript code runs purely within your local browser runtime. When you export spreadsheets (CSV files) or generate charts, all files are synthesized directly in client memory via standard Web APIs (such as Blob and URL Object creation). At no point does our web infrastructure receive your monetary data.
2. Google AdSense & Third-Party Advertising Disclosures
To keep all HandyTallies tools 100% free for retail investors without requiring subscriptions, we display contextual online advertisements provided by third-party advertising partners, including Google AdSense.
- Third-party vendors, including Google, use cookies to serve advertisements based on a user's prior visits to this website or other websites on the internet.
- Google's use of advertising cookies enables it and its partners to serve relevant ads to users based on their browsing activity across websites.
- You can customize or opt out of personalized advertising at any time by visiting Google Ads Settings or through the Network Advertising Initiative at www.aboutads.info.
Google Analytics
We use Google Analytics 4 to understand aggregate site usage, such as which pages are visited and how visitors arrive. Google Analytics uses cookies and similar technologies and collects information such as pages viewed, approximate location, device and browser type, and referring site. It does not receive the numbers you type into our calculators. Learn more in How Google uses information from sites or apps that use its services. You can opt out with the Google Analytics opt-out browser add-on.
3. Browser Local Storage (localStorage)
We use browser local storage exclusively to persist your visual theme preferences (whether you selected Dark Mode or Light Mode) across page visits so that you do not experience screen flashing. No personally identifiable information (PII), tracking tokens, or financial records are ever stored in local storage.
4. Technical Server Access Logs
Like virtually all websites on the internet, our hosting CDN provider (e.g., Cloudflare Pages) automatically logs routine technical metadata for operational stability. These logs may include IP addresses, browser types, operating systems, and timestamps. This technical telemetry is used exclusively to mitigate DDoS attacks, monitor network health, and optimize CDN caching.
5. California Consumer Privacy Act (CCPA) Disclosures
Under the CCPA, California residents have the right to know what personal data is collected and request that personal information not be sold. HandyTallies does not create user accounts or store your calculator inputs, and we do not sell personal information. Our advertising and analytics providers (Google AdSense and Google Analytics) may collect cookie identifiers and usage data as described in the sections above.
6. European Union General Data Protection Regulation (GDPR)
For users residing within the European Economic Area (EEA), all data processing adheres to GDPR principles. You have the right to access, rectify, or erase personal data. Because our tools operate without user account registration, we hold no user accounts to delete or modify.
7. Contact Information
If you have questions, comments, or legal inquiries concerning this Privacy Policy, please reach out via email at contact@handytallies.com or visit our Contact Page.
