Privacy Policy

This Privacy Policy explains how 4LoanSimulator ("we", "our", "us"), part of the 4Utilities network, handles your information.

1. No data collection

• We do not collect personal data such as your name, email, or phone number.
• We do not use accounts or login systems.
• The numbers you enter into the calculator are processed in your browser and are never sent to us.

2. Advertising & cookies

We use Google AdSense to display ads, which helps keep this tool free. Google and its partners may use cookies to serve ads based on your prior visits to this or other websites. You can learn about your choices and opt out of personalized advertising through Google Ads Settings. We do not use cookies to identify you personally.

3. No tracking or profiling by us

Beyond the advertising described above, we do not track, monitor, or profile users, and we do not sell data.

4. Third-party services

This site loads open-source libraries (for styling and icons) from public content delivery networks, used only to make the page work. External links are governed by the privacy practices of those sites, not ours.

5. Compliance with privacy laws

We maintain this policy to be transparent and consistent with major privacy regulations, including the GDPR (EU), the CCPA (California), and the LGPD (Brazil). Because we do not collect personal data ourselves, most obligations under these laws do not apply to us.

6. Changes to this policy

We may update this policy to reflect legal requirements or improvements in transparency. Changes will be posted on this page.

7. Contact

Questions about this Privacy Policy? Email us at 4utilities.org@gmail.com.