Privacy Policy

Controller

Investment Calculator (investment-calculator.net) is operated by Gianni Van Schoor, based in Haaltert, Belgium, acting as the data controller. The site is currently run by a private individual: there is no registered company or enterprise (VAT) number yet. As soon as the activity is registered as a business, the enterprise number will be added here, as required by Article XII.6 of the Belgian Code of Economic Law. Contact: info@investment-calculator.net.

Scope

This policy applies to the website, the calculators, the optional account features, and any contact you have with us. It does not apply to external websites we link to.

Data We Collect

• Account data, only if you sign in: your email address, name and profile picture link from your Google account, and for each sign-in session the IP address and browser it came from. Accounts are optional.
• Marketing email preference, only if you answer the question on your account page: your answer (yes or no), the date and time, where you gave it (the question at the top of the page or the settings), the page language, and the version of the consent text you saw.
• Saved favorites, only if you use them: the calculator inputs you choose to save. We never store your calculation results.
• Feedback messages, only if you use the feedback form on your account page: the message content and a verification token from hCaptcha to block automated abuse. The message reaches us by e-mail together with the e-mail address and name of your account.
• Usage data (pages visited, approximate device and browser information, timestamps) via Google Analytics, only if you consent to analytics cookies.
• Your cookie consent choices, stored in your browser.
• IP addresses in server logs, kept temporarily for security and abuse prevention.
• Page ratings, only if you choose to leave one: a 1-5 star rating and an optional short comment on a calculator or guide page, linked to your account if you are signed in when you submit it. To prevent abuse, we also process a pseudonymised version of your IP address (a keyed hash) for rating submissions, deleted after at most 49 hours, and your browser stores a random identifier so the same browser cannot rate a page twice without an account. That identifier is only stored with ratings left without an account, so it does not link them to your account (signed in, your account allows one rating per page).
• The content of your message if you email us.
• Donations, only if you choose to donate: payments are processed entirely by Ko-fi and its payment provider Stripe. We never receive or store your payment details.

Sources

We collect data directly from you (account sign-in, saved favorites, feedback, email), automatically (server logs and, with your consent, analytics), and from our service providers (for example Google sign-in passes us your email address when you use it).

Purposes and Legal Bases

• Providing the account features, saved favorites, and feedback handling: performance of the agreement with you (Article 6(1)(b) GDPR).
• Sending occasional marketing emails about new calculators or features, only if you opt in: your consent (Article 6(1)(a) GDPR), withdrawable at any time on your account page.
• Site operation, security, server logs, and abuse prevention: our legitimate interest in running a safe and reliable service (Article 6(1)(f) GDPR).
• Analytics and usage measurement: your consent, given via the cookie banner (Article 6(1)(a) GDPR).
• Advertising, personalized or non-personalized, via Google AdSense and its partners: your consent, given via the cookie banner (Article 6(1)(a) GDPR).
• Responding to your messages: our legitimate interest or, where applicable, taking steps at your request (Article 6(1)(b) and (f) GDPR).

Cookies and Tracking

We use Google Funding Choices (CMP ID: 300) under the IAB Transparency and Consent Framework to collect your consent. Strictly necessary cookies always run. Analytics and advertising cookies only run if you consent, and you can withdraw that consent at any time. See the Cookie Policy for the full list of cookies and storage periods.

Recipients and Processors

• Hostinger: web hosting of the static website.
• Supabase: authentication and database for accounts, saved favorites, page ratings, feedback messages and marketing consent, hosted in the EU and protected with row-level security.
• Google: sign-in (OAuth, only if you use it), Google Analytics (only with consent), Google AdSense and Funding Choices (advertising and consent management).
• hCaptcha (Intuition Machines): verification of the feedback form, only when you submit feedback.
• Resend: delivers your feedback message to our mailbox, only when you submit feedback.
• GitHub: stores encrypted backups of the database for 90 days.
• Ko-fi and Stripe: donation processing, only if you donate.
• We do not currently send marketing emails to anyone. If we start, we will name the email service provider we use here before doing so.
• We do not sell personal data and we do not share it with other parties unless required by law.

International Transfers

Some providers (for example Google, hCaptcha, Resend, GitHub, Ko-fi) may process data outside the European Economic Area, including in the United States. Where that happens, we rely on the EU Standard Contractual Clauses or an adequacy decision such as the EU-US Data Privacy Framework.

Data Retention

• Server logs: up to 12 months.
• Google Analytics data: up to 14 months.
• Pseudonymised IP addresses used to prevent rating abuse: at most 49 hours.
• Account data, saved favorites, and page ratings linked to your account: until you delete your account, which deletes all of them, including the comments you left while signed in. Single ratings cannot be deleted on your account page; ask us by email. Ratings left without an account are kept, with nothing that links them to you. You can delete your account yourself on your account page, or ask us by email.
• Marketing email answers: every answer (yes or no) is kept as proof of what you chose and when, until you delete your account, which deletes them all. Because an opt-out stays on record, you are never re-subscribed by mistake.
• Feedback messages: 12 months in our database, or until you delete your account. The copy delivered to our mailbox is kept as long as needed for follow-up.
• Email correspondence: only as long as needed for follow-up or legal obligations.
• Database backups: 90 days, encrypted. To make sure a restored backup never brings back a deleted account, we keep the ID of each deleted account (no other data) for 90 days and delete those accounts again after a restore. If your deleted account ever reappears, tell us and we will delete it right away.
• Cookie consent records: see the Cookie Policy.

Security

We use access controls, encryption in transit (HTTPS), and row-level security in the database to protect your data. No system is 100% secure, but we work to keep your data safe.

Your Rights

Under the GDPR you have the right to access, rectification, erasure, restriction of processing, objection, and data portability, and you can withdraw consent at any time without affecting earlier processing. To exercise your rights, email info@investment-calculator.net. You can also lodge a complaint with the Belgian Data Protection Authority: Gegevensbeschermingsautoriteit, Drukpersstraat 35, 1000 Brussels, www.gegevensbeschermingsautoriteit.be, contact@apd-gba.be.

Automated Decision-Making

We do not use automated decision-making or profiling that produces legal effects for you. Ad personalization only happens if you consent, and you can refuse it while still using the full site.

Additional Rights Outside the EEA

Depending on your location (for example the United States), you may have additional privacy rights. We handle all requests in line with the law that applies to you.

Children

The service is not intended for children under 16. We do not knowingly collect data from children. If you believe a child has provided us with personal data, contact us and we will delete it.

Changes to This Policy

We may update this policy when the site or legislation changes. The date below always shows the latest revision. For significant changes we will draw attention to the update on the site.

Contact

Email: info@investment-calculator.net