Privacy Policy

1. Information we collect

The calculators on this Site run entirely in your browser. The loan, salary, and tax figures you enter are not transmitted to or stored on our servers. Your method preference (Rule of 78 / Reducing Balance) may be saved in your browser's local storage so the Site remembers it on your next visit; this never leaves your device.

We do not require accounts and we do not ask for personal information such as your name, identity number, or financial account details.

2. Cookies and advertising

We display advertising supplied by Google AdSense. Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this and other websites.

• Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this Site and/or other sites on the internet.
• You may opt out of personalised advertising by visiting Google Ads Settings.
• You can opt out of a third-party vendor's use of cookies for personalised advertising at aboutads.info/choices.

Most browsers also let you block or delete cookies in their settings. Blocking cookies will not stop you from using the calculators.

3. Analytics

The Site does not currently load any first-party analytics script. If we add one in future (for example, a privacy-respecting tool that records aggregate page views and country), we will name the provider in this section before it goes live. We will never use analytics to identify individual visitors.

4. Third-party links

The Site may link to external websites (for example, official Malaysian government or bank pages). We are not responsible for the privacy practices or content of those sites.

5. Children's privacy

The Site is intended for a general audience and is not directed at children under 13. We do not knowingly collect information from children.

6. Changes to this policy

We may update this policy from time to time. Changes take effect once posted on this page, with a revised effective date above.

7. Contact

Questions about this policy? Email us at hello@icalculator.my or see the Contact page.