Privacy Policy

This Privacy Policy explains how Smart Business Math ("we," "us," or "our") collects, uses, and shares information when you visit https://www.smartbusinessmath.com (the "Site"). By using the Site, you agree to this policy. If you do not agree, please do not use the Site.

Who we are. Smart Business Math is a free website that publishes business finance calculators and related educational content. We do not require user accounts.

Information you provide. Our calculators run in your browser. We do not ask you to create an account, and we do not intend to collect or store the numbers you enter into calculators on our servers. If you email us at support@smartbusinessmath.com, we receive the information you choose to include in your message (such as your email address and message content) so we can respond.

Information collected automatically. When you visit the Site, we and our service providers may automatically collect certain technical information, including:

• IP address and approximate location derived from it
• Browser type, device type, and operating system
• Pages viewed, referring URL, and dates/times of visits
• Performance and error data related to how the Site loads

Analytics. We use analytics services to understand how visitors use the Site and to improve performance. These may include:

• Google Analytics (Google LLC) — usage measurement and reporting. Learn more in Google's Privacy Policy and How Google uses data from sites that use its services.
• Vercel Analytics and Speed Insights (Vercel Inc.) — aggregated traffic and performance metrics. See Vercel's Privacy Policy.

Advertising. We use Google AdSense to display advertisements on the Site. Google and its advertising partners may use cookies and similar technologies to show ads based on your visits to this Site and other sites, to measure ad performance, and to limit how often you see an ad.

For more about how Google uses data in advertising, see How Google uses information from sites or apps that use its services.

You can manage or opt out of personalized advertising in several ways, including:

• Google Ads Settings
• Digital Advertising Alliance opt-out
• Your browser's cookie and privacy controls

Even if you opt out of personalized ads, you may still see non-personalized advertisements on the Site.

Cookies and similar technologies. Cookies are small text files stored on your device. We and our partners use cookies and similar technologies for analytics, advertising, and basic site functionality. You can block or delete cookies through your browser settings. Some features may not work as expected if cookies are disabled.

How we use information. We use the information described above to:

• Operate, maintain, and improve the Site and calculators
• Understand traffic patterns and fix technical issues
• Display and measure advertising
• Respond to support requests
• Protect the Site against abuse, fraud, or security threats
• Comply with legal obligations

How we share information. We do not sell your personal information. We may share information with:

• Service providers that help us host, analyze, or monetize the Site (such as Vercel and Google), subject to their policies
• Authorities or other parties when required by law or to protect our rights, users, or the public
• A successor entity if the Site or its assets are transferred in a merger, acquisition, or similar transaction

Data retention. We retain information only as long as needed for the purposes described in this policy, unless a longer period is required by law. Analytics and advertising partners may retain data according to their own retention schedules.

Children's privacy. The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us personal information, contact us and we will take appropriate steps to delete it.

Your rights and choices. Depending on where you live, you may have rights to access, correct, delete, or restrict certain processing of your personal information. To make a request, email support@smartbusinessmath.com. We may need to verify your request before responding.

International visitors. The Site is operated from the United States. If you access the Site from outside the United States, your information may be processed in the United States or other countries where our service providers operate.

Changes to this policy. We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page will change when we do. Continued use of the Site after changes are posted means you accept the updated policy.

Contact. For privacy questions or requests, email support@smartbusinessmath.com or use our Contact page.