Privacy Policy
Your privacy is our top priority. Here’s exactly how we handle your data.
TL;DR: Spendzila does not collect, store, or sell your personal financial data. All calculations run locally in your browser. We only collect basic anonymous analytics to improve the website.
Table of Contents
1. Information We Collect
Financial Calculator Data
All financial data you enter into Spendzila’s calculators (income, expenses, loan amounts, investments, etc.) is processed entirely within your browser. This data is never transmitted to our servers, never stored, and never accessible by Spendzila or any third party.
Automatically Collected Data
We may automatically collect limited, anonymous technical information including your browser type, operating system, referring URL, pages visited on our site, and time spent on pages. This information contains no personally identifiable information and is used solely to improve our website.
Contact Form Data
If you contact us via our contact form, we collect your name, email address, and message content. This information is used solely to respond to your inquiry and is not shared with third parties.
2. How We Use Information
We use the limited data we collect to operate and improve the website, respond to your inquiries, analyze traffic patterns to improve user experience, and ensure website security and prevent abuse. We do not use your data for advertising, sell it to third parties, or use it for any commercial purpose beyond operating Spendzila.
3. Cookies & Analytics
Spendzila uses minimal cookies and analytics tools. We may use Google Analytics (anonymized) to understand how users interact with our site. Google Analytics is configured with IP anonymization enabled. We do not use advertising cookies, tracking pixels, or remarketing technologies. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
4. Third-Party Services
Our website may include links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review the privacy policies of any third-party sites you visit. We may use Google Fonts and Cloudflare for performance optimization — these may set cookies in accordance with their own privacy policies.
5. Data Security
Since we do not store your financial data, there is no risk of it being breached from our servers. Our website uses HTTPS encryption for all connections. We implement industry-standard security measures to protect any information we do collect (such as contact form submissions).
6. Children’s Privacy
Spendzila is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us personal information, please contact us and we will promptly delete it.
7. Your Rights
Depending on your location, you may have the right to access the personal information we hold about you, request correction of inaccurate data, request deletion of your personal data, object to processing of your data, and data portability. To exercise any of these rights, contact us at privacy@spendzila.com.
8. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify users of significant changes by updating the date at the top of this page. Continued use of Spendzila after changes constitutes acceptance of the updated policy.
9. Contact Us
For privacy-related questions or concerns: privacy@spendzila.com
Or visit our Contact Page.
Terms of Service
Please read these terms carefully before using Spendzila.
1. Acceptance of Terms
By accessing and using Spendzila.com (“the Site”), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.
2. Description of Service
Spendzila provides free online financial calculators and planning tools including but not limited to budget trackers, EMI calculators, investment analyzers, and retirement planners. All tools are provided free of charge and without any registration requirement.
3. Use of Tools — Important Disclaimer
Important: Spendzila’s calculators are for informational and educational purposes only. Results are estimates and should not be considered financial advice. Always consult a qualified financial advisor before making major financial decisions.
The financial calculations provided are based on standard mathematical formulas and the information you input. Actual results may vary significantly based on factors including but not limited to changing interest rates, inflation, tax law changes, and market conditions.
4. Permitted Use
You may use Spendzila for personal, non-commercial purposes. You may not use the site in any way that violates applicable laws, infringes intellectual property rights, transmits malware or harmful code, or attempts to gain unauthorized access to our systems.
5. Intellectual Property
All content on Spendzila, including but not limited to text, graphics, logos, tool designs, and code, is the property of Spendzila and protected by copyright law. You may not reproduce, distribute, or create derivative works without our written permission.
6. Limitation of Liability
Spendzila shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any calculator results. The Site is provided “as is” without warranty of any kind.
7. Third-Party Links
Our Site may contain links to third-party websites. These links are provided for convenience only. We have no control over these sites and accept no responsibility for their content or practices.
8. Changes to Terms
We reserve the right to modify these Terms at any time. Changes take effect when posted to the Site. Your continued use after changes constitutes acceptance of the new terms.
9. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved through good-faith negotiation or binding arbitration.
10. Contact
For questions about these Terms: legal@spendzila.com
Financial Disclaimer
Important information about the nature of our financial tools.
Not Financial Advice: Spendzila is not a licensed financial advisor, broker, or investment firm. All tools and content are for informational purposes only and do not constitute professional financial advice.
1. General Disclaimer
The information and financial calculator results provided on Spendzila.com are intended for general informational and educational purposes only. They do not constitute financial, investment, tax, legal, or accounting advice. You should not act or rely on any information on this Site without seeking the advice of a qualified professional.
2. Calculator Results Are Estimates
All results generated by Spendzila’s calculators are estimates based on the information you provide and standard financial formulas. These results:
- Do not account for all individual financial circumstances
- Are based on assumptions that may not reflect real-world conditions
- Do not account for changes in interest rates, tax laws, or market conditions
- Should not be used as the sole basis for any financial decision
3. Investment Risk
Past performance and projected returns used in our investment calculators are not guarantees of future performance. All investments carry risk, including the possible loss of principal. The return rates used in our calculators are hypothetical examples only.
4. Tax Information
Our tax calculators use simplified calculations based on publicly available tax brackets. Tax laws are complex and frequently change. Always consult a certified tax professional (CPA) for accurate tax advice specific to your situation.
5. Professional Advice
We strongly recommend consulting with a Certified Financial Planner (CFP), Certified Public Accountant (CPA), or licensed financial advisor before making any significant financial decisions including taking out loans, making investments, planning for retirement, or major purchases.
For questions about this disclaimer: legal@spendzila.com
Cookie Policy
How and why Spendzila uses cookies.
Short version: We use minimal cookies. We do not use advertising cookies or tracking pixels. Your financial calculator data is never stored in cookies.
1. What Are Cookies?
Cookies are small text files stored on your device by websites you visit. They are widely used to make websites work more efficiently and to provide information to site owners.
2. Cookies We Use
Essential Cookies
These are required for the website to function. They include session cookies that expire when you close your browser. Without these, some features may not work correctly.
Analytics Cookies
We use Google Analytics with anonymized IP addresses to understand how visitors use our site. These cookies help us improve our tools and content. Data collected is aggregate and anonymous — we cannot identify individual users.
Preference Cookies
We may store minimal preferences (such as your last-used calculator tab) to improve your experience. This data does not include any financial information.
3. What We Do NOT Use
- Advertising or remarketing cookies
- Social media tracking pixels
- Cookies that store your financial calculator inputs
- Third-party behavioral tracking cookies
4. Managing Cookies
You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Note that blocking essential cookies may affect website functionality. You can also opt out of Google Analytics at tools.google.com/dlpage/gaoptout.
Questions about our cookie use: privacy@spendzila.com