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

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, updated browsers
• Keeping your devices protected with security software
• Not sharing screenshots of calculator results that contain sensitive information
• Clearing your browser history if using a shared device

Your Rights and Choices

You have the right to:

• Access: Request information about what data we collect
• Control Cookies: Adjust your browser settings to refuse cookies
• Opt-Out: Opt out of analytics tracking through browser add-ons
• Questions: Contact us with privacy-related questions or concerns

Since we don't collect or store personal financial information from our calculators, there is no personal data to request, modify, or delete in that regard.

Children's Privacy

DiyDollar.com is intended for general audiences and is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will post the updated policy on this page with a new "Last Updated" date.

We encourage you to review this policy periodically. Your continued use of DiyDollar.com after any changes indicates your acceptance of the updated policy.

International Users

DiyDollar.com is operated in the United States. If you are accessing this site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

By using this website, you consent to the transfer of your information to the United States and the application of United States law and this Privacy Policy.

Your Consent

By using DiyDollar.com, you consent to this Privacy Policy and agree to its terms. You also acknowledge and accept all legal disclaimers outlined in this document.

If you do not agree with this policy or any of the disclaimers, please discontinue use of this website immediately.