1. Who We Are
InsureCalc ("we", "us", "our") operates the website insurecalc.net, a free online tool that helps individuals estimate their life insurance coverage needs. We are committed to protecting your privacy.
2. Information We Do Not Collect
The calculator on our website processes all data locally in your browser. This means:
- Your income, debt, savings, and family information is never sent to our servers
- We do not store, log, or transmit any financial figures you enter
- No account or registration is required
- We do not collect your name, email address, or contact details unless you voluntarily submit them via our contact form
3. Information We May Collect
Like most websites, we automatically receive standard technical data when you visit, including:
- IP address (anonymized)
- Browser type and version
- Pages visited and time spent
- Referring website
- Device type (desktop/mobile)
This data is collected via Google Analytics and is used solely to improve our website. It is not sold or shared with third parties for marketing purposes.
4. Google AdSense & Cookies
We use Google AdSense to display advertisements on our website. Google AdSense uses cookies and similar tracking technologies to serve ads based on your prior visits to our website and other websites on the internet.
Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the internet. You may opt out of personalized advertising by visiting Google Ads Settings.
For more information about how Google uses data, visit: Google Privacy Policy.
5. Google Analytics
We use Google Analytics to understand how visitors use our site. Google Analytics collects data such as how often users visit this site, what pages they visit, and what other sites they used prior to coming here. We use this information only to improve InsureCalc. Google Analytics collects only the IP address assigned to you on the date you visit this site, not your name or other identifying information.
6. Cookies
We use cookies for the following purposes:
- Analytics cookies — to understand how our site is used (Google Analytics)
- Advertising cookies — to serve relevant ads (Google AdSense)
- Functional cookies — to remember your preferences (e.g., currency selection)
You can control and/or delete cookies through your browser settings. Disabling cookies may affect some website functionality.
7. Contact Form Data
If you use our contact form, we collect your name, email address, and message content solely to respond to your inquiry. This information is not shared with third parties and is deleted after your inquiry is resolved.
8. Children's Privacy
InsureCalc is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policies of any third-party site you visit.
10. Data Security
Since we do not collect or store your financial data, there is minimal risk of data breach. Our website is served over HTTPS (SSL/TLS encryption) to protect data in transit.
11. Your Rights
Depending on your location, you may have rights under GDPR (EU), CCPA (California), or other applicable privacy laws, including the right to access, correct, or delete personal data we hold about you. To exercise these rights, contact us at the address below.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date. Your continued use of the site after changes constitutes acceptance of the updated policy.
13. Contact Us
If you have questions about this Privacy Policy, please contact us: