Privacy and cookies
Calculator data and local storage
Loan inputs, budgets, scenarios and imported records are processed in your browser. Named studies use local storage; the active session uses session storage. They are not synchronized between devices. You can remove named studies, clear browser storage or keep a JSON backup.
Optional analytics
With your analytics choice, Google Analytics 4 measures page views and general use of calculator sections, previews and export buttons. Our custom events do not include loan amounts, income, names of studies, imported contents, email addresses or payment data. URLs supplied by our tag exclude query strings and fragments. Google’s standard enhanced measurement may also record scrolls, outbound links and form-interaction metadata.
Your choice
The Google Analytics tag is not loaded until you allow analytics. You may decline and still use the calculator. Open Privacy choices in the footer to change the saved preference; withdrawing consent reloads the page and removes available first-party Analytics cookies. Previously processed data is not automatically erased by that action.
Advertising
Two positions are reserved for Google AdSense on the right sidebar, hidden on narrow screens. Ads are subject to Google approval. Advertising serving remains disabled until the approval and applicable consent setup are ready. When enabled, advertising providers may process device and usage information under their policies; a separate advertising consent message will apply where required.
Further information
For privacy questions use contato@diretorioai.com. See Google’s privacy and partner-site explanations below. Updated 8 November 2026. This notice describes the current release and will be updated when checkout or advertising serving is activated.
Google Privacy Policy · Google partner sites
Purchases and data
When you request a paid study export, the selected study snapshot is sent to our hosting server to validate the order and generate the paid file. The snapshot is not included in Paddle transaction metadata. Paddle receives checkout details directly and handles payment information under its own privacy notice. Purchase recovery tokens and, for exports, a copy of the purchased study are kept in browser storage on this device, not synchronized across devices. Protect recovery files because they can contain study data and authorize downloads. The server consults Paddle transaction records to verify payments and refunds before delivery. For workbook purchases, the server needs the product and language, not your calculator study. Refund and support requests may include your email and order details. Purchase availability is shown in the shop; Sandbox payments do not charge money.