Privacy Policy

1. Terms - By accessing the web site at https://calcxml.com/, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
2. Disclaimer - The information provided in the financial tools operating on CalcXML's web site may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.
3. Limitations - In no event shall CalcXML or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on CalcXML's Internet site, even if CalcXML or a CalcXML authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
4. Site Terms of Use Modifications - CalcXML may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
5. Governing Law - Any claim relating to CalcXML's web site shall be governed by the laws of Utah without regard to its conflict of law provisions.

Your privacy is important to us, and it is CalcXML's policy to respect your privacy regarding any information you may enter into any of our financial tools operating on our web sites. None of our financial tools operating on our web sites ask for financially sensitive data (financial/bank account numbers, PINs, social security numbers). Aside from optionally entering first and last name on a few of our financial tools, no other personally identifiable data is requested on any of our financial tools operating on our web sites. We have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of any data entered into our financial tools. The following outlines our privacy policy.

• All data entered into our financial tools is stored in a secure database.
• The data is used internally for statistical reports and traffic reports.
• The data is not shared with any outside person or entity.
• We will protect the data by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
• We will make readily available to customers information about our policies and practices relating to the management of the data collected.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of data entered into our financial tools is protected and maintained. CalcXML may change its Privacy Policy from time to time, and at CalcXML's sole discretion.

We allow third-party companies to serve ads and/or collect certain anonymous information when you visit certain pages of our web site, specifically the calculators offered on our web site. These companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other Web sites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third party web beacon to collect this information. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit http://www.networkadvertising.org.

This Site is affiliated with Publisher First, Inc. dba Freestar ("Freestar") for the purposes of placing certain advertising on the Site, and Freestar will collect and use certain data for advertising purposes. To learn more about Freestar's data usage, click here.