Your privacy is not a product.

Sensible Money Tools does not collect, store, or transmit any personal financial information you enter into our calculators. All calculations, including budget figures, income data, loan amounts, and investment preferences, are performed entirely within your browser and are never sent to our servers.

We may collect the following limited technical information:

• Usage Analytics: Through Google Analytics (GA4), we collect anonymized data about how users interact with our tools, including pages visited, time spent, and general geographic region (country/province level only). This data cannot be used to identify you personally.
• Browser Storage: The TFSA Contribution Room Calculator and the RRSP/FHSA refund and take-home pay calculators save what you enter in your browser's localStorage so it's still there on your next visit, and the credit card, mortgage and retirement tools remember whether you're in Canada or the US. This data stays on your device and is never transmitted to us. See Browser localStorage below for details.
• Ad Interactions: Google AdSense may collect data related to ad impressions and clicks as described in their privacy policy.

The limited technical information we collect is used exclusively for:

• Understanding which tools are most useful so we can prioritize improvements
• Identifying technical errors or performance issues
• Measuring general traffic patterns to support advertising revenue
• Ensuring the site functions correctly across different devices and browsers

We do not sell, rent, trade, or otherwise share any user data with third parties for marketing purposes. We do not build user profiles. We do not use behavioural targeting based on your financial inputs.

Our site uses the following types of cookies and similar technologies:

You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of some features, but will not prevent you from using our calculators.

We use the following third-party services on our site:

When you click "Get Started" on a credit card listing and visit an issuer's website, you are subject to that institution's privacy policy. We encourage you to review those policies independently before applying for any financial product.

Sensible Money Tools is an advertising-supported website. We earn revenue through two primary mechanisms:

Because we do not collect personal financial data, most traditional data rights (access, deletion, portability) are not applicable because there is no personal data on our servers to access or delete.

For data held by third-party services:

• Google Analytics opt-out: Install the Google Analytics Opt-out Browser Add-on
• Personalized ads opt-out: Visit Google Ad Settings or aboutads.info
• Browser localStorage: Use Clear my data on the TFSA Contribution Room, RRSP & FHSA Refund or Take-Home Pay calculator, or clear your browser's site data for sensiblemoneytools.com at any time
• Cookies: Configure your browser's cookie settings to block or delete cookies

California Residents (CCPA): We do not sell personal information as defined under the California Consumer Privacy Act. For any privacy inquiries, please contact us using the information below.

Canadian Residents (PIPEDA): We are committed to compliance with Canada's Personal Information Protection and Electronic Documents Act. Given that we collect no personal financial data, our privacy practices are fully consistent with PIPEDA requirements.

Our site is served over HTTPS, encrypting all data in transit between your browser and our servers. Since no financial data is transmitted to our servers in the first place, the risk of a data breach exposing your financial information is structurally eliminated.

Browser localStorage data (such as your TFSA, RRSP/FHSA or take-home pay calculator entries) is stored locally on your device and is protected by your operating system's standard security. Other people who use the same browser profile can see it, so on a shared device use a private browsing window, or press Clear my data when you're done.

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 update the "Last Updated" date at the top of this page when changes are made.

We encourage you to review this page periodically. Continued use of Sensible Money Tools after any changes constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out. We take privacy inquiries seriously and aim to respond within 5 business days.