Introduction
Ryan O'Connell Finance ("we," "us," or "our") operates the Financial Calculator web application at ryanoconnellfinance.com and the Financial Calculator Pro mobile application (collectively, the "Services"). This Privacy Policy informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Services.
By using our Services, you agree to the collection and use of information in accordance with this policy.
Information We Collect
1. Information You Provide
Our Financial Calculator services do not require user accounts or registration. We do not directly collect personal information such as names, email addresses, or phone numbers through the calculator functionality.
2. Information Collected Automatically
When you use our Services, certain information may be collected automatically:
Web Application
- Browser Information: Browser type, version, and language settings
- Device Information: Operating system, screen resolution, device type
- Usage Data: Pages visited, features used, time spent on pages
- IP Address: Used for general location and security purposes
- Cookies: Session and preference cookies for functionality
Mobile Application
- Device Information: Device type, operating system version, unique device identifiers
- Usage Data: App features used, frequency of use, performance data
- Advertising ID: Used for serving relevant ads (can be reset in device settings)
- Local Storage: Calculator preferences and settings stored on device
3. Information from Third-Party Services
For the mobile application, we use Google AdMob to display advertisements. AdMob may collect:
- IP address
- Device advertising ID
- General location (country/city level)
- App interaction data
For the web application, we use Google Analytics to understand usage patterns. Google Analytics may collect:
- Pages viewed and time spent
- Referral sources
- General geographic location
- Browser and device information
How We Use Your Information
We use the collected information for:
- Providing and maintaining the calculator functionality
- Displaying relevant advertisements (mobile app only)
- Analyzing usage patterns to improve our Services
- Detecting and preventing technical issues
- Ensuring security and preventing fraud
- Complying with legal obligations
Data Sharing and Disclosure
We do not sell, trade, or rent your personal information. Information may be shared with:
Third-Party Service Providers
- Google AdMob: For advertisement delivery in mobile app (Google Privacy Policy)
- Google Analytics: For usage analytics on web (Google Privacy Policy)
- Web Hosting: Technical service providers for website operation
Legal Requirements
We may disclose information if required by law or in response to valid requests by public authorities.
Data Security
We implement appropriate technical and organizational measures to protect your information. However, no method of electronic storage or transmission over the Internet is 100% secure.
The calculator stores preferences locally on your device using secure storage mechanisms provided by the operating system or browser.
Data Retention
We retain automatically collected information for:
- Analytics Data: Up to 26 months
- Server Logs: Up to 90 days
- Local Storage: Until you clear your browser data or app cache
Children's Privacy
Our Services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.
Your Rights
Depending on your location, you may have certain rights regarding your personal information:
- Access: Request access to your personal data
- Correction: Request correction of inaccurate data
- Deletion: Request deletion of your data
- Opt-out: Opt-out of personalized advertising
- Data Portability: Request a copy of your data
Managing Ad Preferences (Mobile App)
You can reset your advertising ID or opt-out of personalized ads in your device settings:
- Android: Settings → Google → Ads
- iOS: Settings → Privacy & Security → Advertising
Managing Cookies (Web)
You can control cookies through your browser settings. Note that disabling cookies may affect calculator functionality.
International Data Transfers
Your information may be transferred to and maintained on servers located outside your country of residence. By using our Services, you consent to such transfers.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date.
Continued use of our Services after changes constitutes acceptance of the updated Privacy Policy.
Contact Us
If you have questions about this Privacy Policy, please contact us:
- Website: ryanoconnellfinance.com
- Email: ryan@ryanoconnellfinance.com
California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA), including:
- Right to know what personal information is collected
- Right to know if personal information is sold or disclosed
- Right to opt-out of the sale of personal information
- Right to non-discrimination for exercising privacy rights
To exercise these rights, please contact us using the information above.
European Union Rights
If you are in the European Union, you have rights under the General Data Protection Regulation (GDPR), including:
- Right to be informed about data collection
- Right to rectification of inaccurate data
- Right to erasure ("right to be forgotten")
- Right to restrict processing
- Right to data portability
- Right to object to processing
- Right to withdraw consent at any time
To exercise these rights, please contact us. You also have the right to lodge a complaint with your local supervisory authority.
Platform-Specific Information
Web Application (ryanoconnellfinance.com)
When using our web-based calculator:
- No personal account creation required
- Calculator preferences stored in browser local storage
- Analytics collected via Google Analytics
- No advertising on web version
Mobile Application (Financial Calculator Pro)
When using our mobile app:
- Available on Android via Google Play Store
- Contains advertisements via Google AdMob
- Calculator settings stored locally on device
- No cloud sync or account required
