Privacy Policy & Legal Disclaimers

No Liability & Use at Your Own Risk

By using DiyDollar.com, you acknowledge and agree that:

• No Professional Relationship: No financial advisor-client, attorney-client, accountant-client, or other professional relationship is created by your use of this website.
• No Guarantees: We make no representations, warranties, or guarantees regarding the accuracy, completeness, timeliness, or reliability of any information, tools, calculators, or content on this site.
• Past Performance: Any references to past performance, historical returns, or hypothetical scenarios are not indicative of future results. Investment returns and financial outcomes can vary significantly and losses are possible.
• Your Responsibility: You are solely responsible for evaluating the accuracy, completeness, and usefulness of all information provided. All financial decisions you make are your own responsibility.
• Calculator Accuracy: While we strive for accuracy in our financial calculators and tools, they are simplified models for educational purposes. Results should not be used as the sole basis for financial planning decisions.
• External Links: This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any linked sites. We do not endorse products or services offered by third parties.
• Tax and Legal Matters: Tax laws and regulations are complex and subject to change. Nothing on this site constitutes tax or legal advice. Consult with qualified tax and legal professionals regarding your specific situation.

Limitation of Liability: To the fullest extent permitted by law, DiyDollar.com and its owner disclaim all liability for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or reliance on any information provided herein, including but not limited to financial losses, lost profits, or investment losses.

Information We Collect

1. Information You Provide

When you use our interactive tools and calculators, you may input personal financial information such as:

• Income figures
• Savings amounts
• Investment balances
• Budget categories and expenses
• Retirement planning data

Important: All calculations performed by our tools happen entirely in your web browser. We do not collect, store, transmit, or have access to any financial information you enter into our calculators. This data remains on your device only.

2. Automatically Collected Information

Like most websites, we automatically collect certain technical information when you visit:

• Browser type and version
• Operating system
• IP address (anonymized)
• Pages visited and time spent on pages
• Referring website
• Device type (desktop, mobile, tablet)

This information is collected through standard web server logs and analytics tools to help us understand how visitors use our site and improve the user experience.

3. Cookies and Tracking Technologies

We use cookies and similar technologies for:

• Essential cookies: Required for basic site functionality
• Analytics cookies: To understand visitor behavior and improve our content
• Preference cookies: To remember your settings and preferences

You can control cookie preferences through your browser settings. However, disabling certain cookies may limit your ability to use some features of our website.

How We Use Your Information

We use the automatically collected information (not your calculator inputs) to:

• Improve website performance and user experience
• Analyze which content and tools are most valuable to visitors
• Fix technical issues and improve site security
• Understand aggregate visitor demographics and behavior
• Create better educational content based on user interests

We will never:

• Sell your information to third parties
• Share your personal information with marketers
• Use your data for purposes other than improving this educational website
• Store or access the financial information you enter into our calculators

Third-Party Services

This website may use third-party services for analytics, advertising, or functionality:

Google Analytics

We may use Google Analytics to understand how visitors interact with our site. Google Analytics uses cookies to collect anonymous usage data. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Advertising Networks

We may display advertisements through third-party ad networks (such as Google AdSense or similar services). These networks may use cookies and web beacons to display relevant ads based on your browsing activity across different websites.

Affiliate Links

This website may contain affiliate links to products or services. If you make a purchase through these links, we may receive a commission at no additional cost to you. These affiliate relationships do not influence our editorial content or recommendations.

Each third-party service has its own privacy policy governing how they collect and use data. We encourage you to review their policies.

Data Security

We take reasonable measures to protect the limited information we collect through standard security practices. However, no method of electronic transmission or storage is 100% secure.

Since our calculators process all financial data locally in your browser without sending it to our servers, your sensitive financial information never leaves your device. We recommend:

• Using secure, password-protected devices when accessing financial tools
• Avoiding public computers for entering personal financial information
• Clearing your browser history after using financial calculators on shared devices

Your Rights and Choices

You have the following rights regarding your information:

• Access: You can request information about what data we collect
• Correction: You can request corrections to any inaccurate information
• Deletion: You can request deletion of your information (where applicable)
• Opt-out: You can opt out of cookies and analytics tracking through your browser settings
• Do Not Track: We respect Do Not Track browser settings

To exercise any of these rights, please contact us using the button below.

Children's Privacy

DiyDollar.com is intended for general audiences and is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately so we can delete it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will indicate the date of the latest revision at the top of this page. Continued use of this website after changes constitutes acceptance of the updated policy.

For significant changes, we may provide additional notice through a prominent announcement on our homepage.