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Kalkulo.eu

Privacy policy

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This policy explains how Kalkulo.eu handles personal data, cookies and analytics. Kalkulo does not display advertising and loads no advertising or ad-measurement scripts. Kalkulo is published by Cosmic Production d.o.o., a company registered in Croatia. For privacy questions, contact [email protected].

Calculator inputs

The calculator pages are designed to run in your browser. In normal use, salary amounts, loan amounts, property values, tax inputs and similar calculator values do not need to be sent to our server to produce a result. We may receive ordinary technical request data when your browser loads a page, such as IP address, user agent, requested URL and timestamp, through our hosting and security providers.

AI assistants: MCP server and JSON API

Kalkulo also answers AI assistants through its MCP server (kalkulo.eu/mcp) and its JSON API (kalkulo.eu/agent/v1/); see Kalkulo for AI agents. Here the calculation runs on our server, so the figures the assistant passes to a calculator, such as a salary, an amount, a number of days or a date, are sent to us. We use them only to compute and return that one result. Kalkulo does not store them: the MCP server and the API have no database, write no logs of their own, set no cookies and ask for no account or key. As with any page request, Cloudflare, our hosting and security provider, processes ordinary technical request data (IP address, user agent, requested URL and timestamp) under its own policies. The AI assistant you use is a separate service: its provider decides what it keeps from your conversation under its own privacy policy. The calculators never need your name or other identifying details, so please leave them out of calculation requests.

The "Save a note for yourself" field

Most calculator pages carry a "Save a note for yourself" field that accepts an email address. There is no server endpoint behind it. What you type is written only to your own browser's local storage, so the page can show it back to you and so Kalkulo Pro can pick it up on the same device. It is not sent to us, it is not sent to any third party, and the analytics event recorded when you save deliberately carries no address. Because the entry never leaves your device, we hold nothing to delete on your behalf; clear this site's data in your browser to remove it.

Research answers on three calculator pages

On the Greek unemployment-benefit, Slovak rental-income and Estonian severance calculators, the note field is replaced by one question about what you still need to do. If you answer, the answer is sent to us, stored in a Cloudflare D1 database located in the European Union, and a copy is emailed to our inbox. We use answers to improve Kalkulo (legitimate interest, GDPR Art. 6(1)(f)). An email address is optional and is stored only if you tick the box allowing us to email you about your answer (consent, GDPR Art. 6(1)(a)); you can withdraw that consent at any time. We do not store your IP address; a hashed value that changes every hour limits repeat submissions. We keep answers and addresses for up to 12 months, then delete them. To see or delete what you sent, write to [email protected]. The analytics event recorded when an answer is accepted carries no answer and no address.

Cookies and consent

We use a first-party consent banner before loading any non-essential analytics script. If you choose essentials only, Google Analytics is not loaded by the page. If you accept all, analytics cookies may be used according to your consent choice. Google Consent Mode v2 is used so the default state is denied until consent is granted. We do not use a third-party consent management platform, and we do not ask for advertising consent because we serve no ads.

Analytics

When analytics consent is granted, we use Google Analytics 4 to understand page usage, approximate location, device category, traffic source and aggregate engagement. We use this to find broken pages, prioritize calculators, improve speed and evaluate whether users are finding the calculator they expected. We do not need calculator input values to be sent to analytics for the calculator to work.

No advertising

Kalkulo does not display advertising. No ad network, ad-measurement or ad-personalisation script is loaded on any page, no advertising cookies or identifiers are set, and no data is shared with advertising partners. You can learn more about how Google handles data for the analytics service we do use from Google's privacy policy.

Service providers

We use infrastructure and analytics providers to operate the site. These may include Cloudflare for hosting, CDN and security, plus Google Analytics. Providers process data under their own policies and, where applicable, contractual safeguards for international transfers.

Your rights

Depending on where you live, you may have rights to access, correct, delete, restrict or object to processing of your personal data, and to withdraw consent where processing is based on consent. You can contact us at [email protected]. If you are in the European Union, you may also contact your local data protection authority. Because Kalkulo is published by a Croatian company, you can also lodge a complaint with the Croatian Personal Data Protection Agency (AZOP): azop.hr.

Changes

We may update this policy when our providers, consent setup or site features change. The date above shows the current version.