Privacy Policy

1. Introduction

CoveredCallCalculator.net (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains what information we collect when you visit our website at https://coveredcallcalculator.net, how we use that information, and the choices you have with respect to it.

This policy applies to all pages, calculators, tools, and content published on CoveredCallCalculator.net. By using our website, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please do not use our website.

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting a notice on our website and updating the “Last updated” date at the top of this page. We encourage you to review this policy periodically.

2. Information We Collect

2.1 Calculator Inputs

All financial calculations on CoveredCallCalculator.net are performed entirely within your web browser using JavaScript. We do not collect, store, transmit, or have any access to the financial figures you enter into our calculators. Your stock prices, portfolio values, tax rates, retirement balances, and all other calculator inputs remain completely private on your device.

2.2 Automatically Collected Information

When you visit our website, certain information is automatically collected by our servers and third-party analytics tools. This may include:

• IP address — Your internet protocol address, which may be anonymized or truncated before storage
• Browser type and version — For example, Chrome 124, Firefox 125, Safari 17
• Operating system — Windows, macOS, iOS, Android, Linux
• Device type — Desktop, tablet, or mobile device
• Referring URL — The website you visited immediately before arriving at our site
• Pages visited — Which pages and calculators you viewed, in what order, and for how long
• Date and time of visit — When you accessed our website
• Search queries — Search terms used to find our site via search engines
• Screen resolution — Used to optimize the display of our calculators
• General geographic location — Country and region level, derived from IP address

2.3 Cookies and Tracking Technologies

We and our third-party partners use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities. Cookies are small text files stored on your device by your browser. They allow websites to recognize your browser and remember certain information. See Section 5 for full details on cookie types and how to control them.

2.4 Information You Provide Voluntarily

If you contact us via email or a contact form, we collect the information you provide, including your name, email address, and the content of your message. We use this information solely to respond to your inquiry and do not add you to any mailing list without your explicit consent.

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Provision and Improvement

• To provide and maintain the calculator tools and content on our website
• To analyze usage patterns and understand which calculators and features are most valuable to our users
• To identify and fix bugs, errors, or calculation inaccuracies
• To develop new calculators and improve existing ones based on user behavior
• To optimize website performance, loading times, and mobile usability
• To ensure our website displays correctly across different browsers and devices

3.2 Analytics

We use analytics tools, including Google Analytics 4, to understand aggregate user behavior on our website. This helps us determine which content is most valuable, which pages have high bounce rates, and how users navigate through our calculator categories. Analytics data is aggregated and not linked to personally identifiable individuals.

3.3 Advertising Personalization

We use Google AdSense to display advertisements on our website. Advertising revenue allows us to provide our calculators free of charge to all users. Google AdSense uses cookies and other tracking technologies to serve ads that may be relevant to your interests, based on your browsing history on our site and other sites across the internet. You can opt out of personalized advertising as described in Section 4 below.

3.4 Security and Legal Compliance

• To detect, prevent, and address technical issues, fraud, or abuse
• To comply with applicable laws and regulations
• To enforce our Terms of Service
• To protect the rights, property, or safety of our website, our users, or the public

4. Google AdSense & Advertising

We use Google AdSense to display advertisements on our website. Google AdSense uses cookies and web beacons to serve ads based on your prior visits to our website and other sites 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’s Ads Settings at https://www.google.com/settings/ads.

Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to our website. Google’s use of the DoubleClick cookie enables it and its partners to serve ads based on your visit to this site and other sites on the Internet.

Google may also use information from your Google account if you are signed in, in accordance with Google’s Privacy Policy. This allows Google to serve ads that are more relevant to your interests.

4.1 What Google AdSense Collects

• Information about your visits to our website (pages viewed, time spent)
• Information about your visits to other websites that show Google ads
• Your general geographic location (country, region)
• Browser and device information
• IP address (may be anonymized)
• Cookie identifiers linked to your browser

4.2 How to Opt Out of Personalized Ads

You have several options to control or opt out of personalized advertising:

• Google Ads Settings: Visit https://www.google.com/settings/ads to manage your preferences
• Network Advertising Initiative: Visit https://optout.networkadvertising.org/ to opt out from multiple ad networks at once
• Digital Advertising Alliance: Visit https://optout.aboutads.info/ for additional opt-out options
• Browser settings: You can block or delete cookies in your browser settings, which will prevent personalized ads (but may also affect other website functionality)

Please note that opting out of personalized advertising does not mean you will no longer see ads on our website. You will still see ads, but they will be based on general context rather than your personal browsing history.

5. Cookies

Our website uses several types of cookies. You can control cookie preferences through your browser settings, though disabling certain cookies may limit the functionality of our website.

5.1 Types of Cookies We Use

• Strictly Necessary Cookies: Essential for the website to function properly. These cannot be disabled and include session management and security cookies. They do not store any personally identifiable information.
• Analytics Cookies: Set by Google Analytics to help us understand how visitors interact with our website. These cookies collect information in aggregate form, such as which pages are most visited and how long users spend on each page.
  • _ga — Distinguishes unique users; expires after 2 years
  • _ga_[ID] — Maintains session state; expires after 2 years
  • _gid — Distinguishes users; expires after 24 hours
  • _gat — Throttles request rate; expires after 1 minute
• Advertising Cookies: Set by Google AdSense and its advertising partners to display relevant advertisements. These cookies track your visits to our site and other sites to build a profile of your interests.
  • IDE — Used by Google DoubleClick; expires after 1 year
  • DSID — Used by Google for ad targeting; session cookie
  • test_cookie — Used to check if cookies are supported; expires after 1 day
• Preference Cookies: Allow the website to remember your preferences, such as calculator input defaults or display settings, to improve your experience on future visits.

5.2 How to Control Cookies

Most web browsers allow you to control cookies through their settings. You can set your browser to block cookies, delete existing cookies, or alert you when new cookies are set. Please note that blocking all cookies will affect the functionality of many websites, including ours. Browser-specific instructions:

• Chrome: Settings → Privacy and Security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions → Cookies and site data

6. Third-Party Services

6.1 Google Analytics 4

We use Google Analytics 4 (GA4) to measure and analyze website traffic and user behavior. GA4 collects anonymized data about how visitors use our website, including pages visited, session duration, and traffic sources. This data is used in aggregate form to improve our content and user experience.

Google Analytics data is stored on Google’s servers and is subject to Google’s Privacy Policy. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

6.2 Google AdSense

Google AdSense is an advertising service provided by Google LLC. Google AdSense may use cookies and web beacons to serve personalized advertisements to users of our website. More information about Google’s privacy practices is available at https://policies.google.com/technologies/ads.

6.3 Third-Party Links

Our website may contain links to third-party websites, brokerages, financial tools, and resources. We are not responsible for the privacy practices, content, or accuracy of these external sites. When you click a link to an external site, you are subject to that site’s privacy policy. We encourage you to review the privacy policies of any third-party sites you visit.

7. Data Retention

We do not store any personal calculator inputs — your financial data never leaves your browser. For the limited data we do collect (via analytics and advertising cookies):

• Google Analytics datais retained for 26 months by default, after which it is automatically deleted from Google’s servers
• Contact form submissions are retained for up to 12 months, after which they are deleted unless required for ongoing support
• Server log files (including IP addresses) are retained for up to 90 days for security and diagnostic purposes, then automatically deleted
• Advertising cookiesare managed by Google and subject to Google’s retention policies, typically 1-2 years

8. Your Privacy Rights

8.1 General Rights

Depending on your jurisdiction, you may have the following rights with respect to your personal data:

• Right of Access: Request a copy of the personal data we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data (“right to be forgotten”)
• Right to Object: Object to certain types of processing, including direct marketing and profiling
• Right to Restrict Processing: Request that we limit how we use your data in certain circumstances
• Right to Data Portability: Receive your data in a structured, commonly used format
• Right to Withdraw Consent: Where processing is based on consent, withdraw that consent at any time

8.2 GDPR Rights (EEA, UK, and Switzerland Residents)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, you have rights under the General Data Protection Regulation (GDPR) or equivalent national legislation. Our legal bases for processing your data include:

• Legitimate interests: Analytics to improve our free calculators
• Consent: Advertising cookies (you may withdraw consent at any time)
• Legal obligation: Compliance with applicable laws

To exercise your GDPR rights, please contact us at [email protected]. We will respond to your request within 30 days. If you are not satisfied with our response, you have the right to lodge a complaint with your local data protection authority.

8.3 CCPA Rights (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights:

• The right to know what personal information we collect and how it is used
• The right to delete personal information we have collected about you
• The right to opt out of the sale or sharing of your personal information
• The right to non-discrimination for exercising your privacy rights
• The right to correct inaccurate personal information
• The right to limit the use and disclosure of sensitive personal information

Do Not Sell or Share My Personal Information:We do not sell your personal information. However, our use of Google AdSense may constitute “sharing” under California law. You may opt out of such sharing by visiting Google’s Ads Settings or by adjusting your cookie preferences in your browser.

To submit a CCPA request, contact us at [email protected].

9. Children’s Privacy

CoveredCallCalculator.net is not directed at children under the age of 13, and we do not knowingly collect personal information from children under 13. Our calculators cover complex financial topics (options trading, retirement planning, tax calculations) that are intended for adults and financially sophisticated users.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at [email protected] and we will take steps to delete that information from our records.

For users between the ages of 13 and 18 (or the applicable age of majority in your jurisdiction), we encourage parental involvement in any use of financial tools and educational content on our website.

10. Data Security

We take reasonable technical and organizational measures to protect the limited data we collect against unauthorized access, alteration, disclosure, or destruction. These measures include:

• HTTPS encryption for all data transmitted between your browser and our servers
• Regular security reviews of our website infrastructure
• Limited access to any collected data by authorized personnel only
• Use of reputable third-party services (Google) with their own robust security measures

However, please be aware that no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee the absolute security of any information. Since we do not store your calculator inputs, the primary security risk applies only to analytics and contact form data, which is minimal in scope.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: [email protected]
• General inquiries: [email protected]
• Website: CoveredCallCalculator.net/contact

We will respond to all privacy-related inquiries within 30 days. For urgent matters related to data security or unauthorized access, we aim to respond within 72 hours.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will:

• Update the “Last updated” date at the top of this page
• Post a prominent notice on our website homepage for at least 30 days following the change
• For significant changes affecting how we process personal data, we may send an email notification to users who have contacted us previously (if we have their email address)

Your continued use of our website after any changes to this Privacy Policy constitutes your acceptance of the updated policy. If you disagree with the changes, please discontinue your use of our website and contact us if you wish to exercise any data rights.

13. Do Not Track Signals

Some browsers include a “Do Not Track” (DNT) feature that signals to websites that you do not want your browsing activity tracked. Currently, there is no universally accepted standard for responding to DNT signals, and our website does not specifically alter its behavior in response to DNT signals. We encourage you to use the opt-out tools described in Section 4 of this policy to control advertising personalization.

14. International Data Transfers

Our website is operated from servers in the United States. If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

For users in the European Economic Area, United Kingdom, or Switzerland, Google Analytics and Google AdSense process data under Standard Contractual Clauses approved by the European Commission, which provide appropriate safeguards for your data.