Privacy Policy

1. Data Controller

2. Calculations and Financial Data

All calculations on this website run entirely in your browser (client-side). No financial data, input values, or calculation results are transmitted to our servers or any third parties. Your financial data never leaves your device.

3. Hosting

This website is hosted by Vercel Inc. (340 S Lemon Ave #4133, Walnut, CA 91789, USA). When you visit the website, technical data (IP address, browser type, access time) is automatically stored in server log files. This is technically necessary for providing the website (Art. 6(1)(f) GDPR). Data transfers to the USA are based on EU Standard Contractual Clauses (SCCs).

4. Google Analytics

This website uses Google Analytics 4 for usage analysis. Google Analytics is only activated after your explicit consent via the cookie banner (Art. 6(1)(a) GDPR). IP anonymization is enabled. You can withdraw your consent at any time.

5. Google AdSense

This website uses Google AdSense to display advertisements. AdSense cookies are only set after your explicit consent (Art. 6(1)(a) GDPR).

6. Cookies

Technically necessary: Language preference (localStorage), theme setting (localStorage), consent status (localStorage). These are set without consent as they are required for the website to function.

Analytics and advertising: Google Analytics and Google AdSense cookies are only set after your explicit consent.

No external fonts: This website does not load Google Fonts or any other external font files. Only system fonts are used.

7. Your Rights (GDPR)

• Right of access (Art. 15 GDPR)
• Right to rectification (Art. 16 GDPR)
• Right to erasure (Art. 17 GDPR)
• Right to restriction of processing (Art. 18 GDPR)
• Right to data portability (Art. 20 GDPR)
• Right to object (Art. 21 GDPR)
• Right to withdraw consent (Art. 7(3) GDPR)

8. Supervisory Authority

You have the right to lodge a complaint with the competent supervisory authority: State Commissioner for Data Protection and Freedom of Information North Rhine-Westphalia (LDI NRW), Postfach 20 04 44, 40102 Duesseldorf, Germany.