Privacy Policy

Last updated: 2026-06-02

Who we are

Kalkulo.eu is an informational website that provides free financial calculators for several European countries. This policy describes what data we collect when you visit the site and how we process it, in line with the General Data Protection Regulation (Regulation (EU) 2016/679, "GDPR") and Malta's Data Protection Act (Chapter 586 of the Laws of Malta).

What data we collect

• Anonymous browsing data collected via Google Analytics 4 (GA4): pages visited, duration, device and approximate geographic location (at city level). Your IP address is anonymised before processing.
• Advertising data collected via Google AdSense to display relevant ads, only if you accept all cookies.
• Data you provide voluntarily when you enter it into a calculator or send us your email through a contact form. Your email address is stored securely so we can send you offers related to the calculator you used.

Cookies and consent

We use Google's "Consent Mode v2". On your first visit you will see a banner with two options:

• Essentials only: only the cookies needed for the site to work. AdSense and Analytics are not loaded.
• Accept all: allows analytics cookies (GA4) and personalised advertising cookies (AdSense).

Your choice is saved in your browser's local storage. You can change it at any time by clearing the site data in your browser.

Third parties

We share data with the following processors only when you accept all cookies:

• Google LLC (Google Analytics, Google AdSense). Privacy policy.
• Cloudflare, Inc. (website hosting and content delivery). Privacy policy.

Where these providers transfer data outside the European Economic Area, the transfer is protected by an appropriate GDPR Chapter V safeguard, such as the EU–US Data Privacy Framework or the European Commission's Standard Contractual Clauses.

Your rights (GDPR)

Under the General Data Protection Regulation (GDPR) and Malta's Data Protection Act (Chapter 586 of the Laws of Malta) you have the right:

• To access your personal data
• To rectification or erasure of your data
• To object to processing
• To data portability
• To restriction of processing
• To withdraw your consent at any time

To exercise any of these rights, write to us at [email protected]. We will respond within 30 days at the latest.

You also have the right to lodge a complaint with the Office of the Information and Data Protection Commissioner (IDPC) in Malta, the supervisory authority: idpc.org.mt. You may also contact the data protection authority in your country of residence.

Data retention

Analytics data is retained for 14 months (the GA4 default setting). Email addresses from the form are kept until you request deletion or for a maximum of 24 months of inactivity.

Minors

The site is not intended for children. In Malta, the age of digital consent for information society services is 13. We do not knowingly collect data from persons below this age.

Changes to this policy

We may update this policy to reflect legal or technical changes. The date of the latest update appears at the top of this document.

Contact

For any privacy question: [email protected]