CalcGeo Privacy Policy

1. Core Privacy Philosophy & Architectural Commitment

CalcGeo (“we,” “us,” “our,” or the “Platform”) is an independent, location-aware digital calculation resource operating under the top-level domain calcgeo.online. This Privacy Policy establishes our binding legal commitments regarding how data is treated when you interact with our regulatory calculation tools, tax models, salary calculators, comparison engines, and educational reference guides.

Most consumer financial websites operate on a centralized client-server architecture: you enter your salary, click “Calculate,” and an HTTP POST request sends your financial information across the public internet to a remote relational database. CalcGeo was purposefully engineered to reject this model. Our core architectural tenet is: computation happens at the edge of the user's device, never in our cloud.

2. The Zero-Storage Client-Side Calculation Model

All statutory computation modules available on CalcGeo—including but not limited to federal income tax, provincial tax, state income tax, PAYE, Universal Social Charge (USC), PRSI, Superannuation, ACC levies, National Insurance Contributions, KiwiSaver, Canada Pension Plan (CPP), and Stamp Duty / Land Transfer Tax—are distributed as compiled JavaScript, WebAssembly, and static code bundles.

Because we do not ingest your financial data, we cannot accidentally leak it, suffer a database breach containing your records, sell your financial profile to lead-generation brokers, or be compelled by subpoena to produce historical calculations that we never possessed.

3. Categories of Data We Explicitly Do Not Collect

To eliminate ambiguity, CalcGeo expressly states that we do NOT collect, maintain, store, or process any of the following categories of sensitive and identifying data:

4. Technical Telemetry, Edge Logs & Performance Data

When you visit any website, your internet protocol client transmits standard network metadata necessary to establish a secure TCP/IP and TLS connection. Our infrastructure automatically logs standard web server transactions for operational diagnostics, DDoS mitigation, and edge load balancing.

These technical logs include:

• Internet Protocol (IP) Address: Used for routing responses, rate-limiting malicious traffic, and coarse geographic edge routing (country/region). IP addresses in web logs are routinely truncated or anonymized.
• User-Agent String: Browser version, operating system, and hardware architecture (used exclusively to serve compatible CSS/JS bundles).
• Referrer Header: The URL of the webpage that directed you to CalcGeo (e.g., search engine or referral link).
• Timestamp & HTTP Request Method: Date, time, requested asset path (e.g. GET /us/california/paycheck-calculator), and response code.

5. Browser LocalStorage & Device-Side State

To enhance your workflow, CalcGeo may utilize modern HTML5 Web Storage features (such as localStorage or sessionStorage) directly within your client browser. This functionality is implemented purely for client utility:

• Remembering your last selected country, state, or province so you do not have to re-select your jurisdiction upon returning.
• Preserving temporary calculation inputs during your active browsing session if you navigate between tabs.
• Storing interface preferences, such as collapsed FAQ state or display density.

Your Control: Data stored in Web Storage never leaves your device. You can erase all stored CalcGeo preferences at any moment by navigating to your browser settings and clearing “Cookies and Site Data” for calcgeo.online.

6. Cookies & Tracking Technologies

A cookie is a small piece of text sent to your browser by a website you visit. We maintain an uncompromising policy regarding commercial surveillance:

7. Third-Party Infrastructure & Content Delivery

To ensure fast global response times, high availability, and resilient security, CalcGeo engages reputable enterprise cloud infrastructure providers:

• Cloud Hosting & Edge Network: Our website is hosted on high-performance edge compute platforms (such as Vercel and Cloudflare) that distribute static assets across global points of presence (PoPs). These providers process connection IP addresses in accordance with ISO 27001, SOC 2 Type II, and GDPR compliant Data Processing Agreements (DPAs).
• Typography Assets: Fonts are served using privacy-preserving Next.js font optimization techniques, eliminating direct third-party runtime tracking calls wherever possible.

8. European & UK Data Protection Rights (GDPR / UK GDPR)

If you are a resident of the European Economic Area (EEA), the United Kingdom, or Ireland, your rights are governed by the General Data Protection Regulation (Regulation (EU) 2016/679) and the UK Data Protection Act 2018.

Legal Bases for Processing:

Because calculations occur client-side without storing personal data, our only processing of personal data (namely, transitory IP addresses in edge web server logs) relies on Article 6(1)(f) GDPR (Legitimate Interests): maintaining network security, preventing cyberattacks, and optimizing web performance.

Your Statutory Rights:

Note on Exercising Rights: Because CalcGeo does not collect names, emails, or user accounts, we hold no indexable personal records linked to your identity. If you contact us regarding your rights, we will happily verify that our databases contain zero records associated with your personal identity.

You also retain the right to lodge a complaint with your competent supervisory authority (in the UK, the Information Commissioner's Office (ICO); in Ireland, the Data Protection Commission (DPC)).

9. California Consumer Privacy Act (CCPA / CPRA) Disclosures

This section applies exclusively to residents of the State of California under the California Consumer Privacy Act of 2018 (as amended by the California Privacy Rights Act of 2020, Cal. Civ. Code § 1798.100 et seq.).

10. Canadian Privacy Compliance (PIPEDA)

For users located in Canada, our privacy practices align with the Personal Information Protection and Electronic Documents Act (PIPEDA) and substantially similar provincial legislation in Alberta (PIPA), British Columbia (PIPA), and Quebec (Act Respecting the Protection of Personal Information in the Private Sector / Law 25).

Under PIPEDA's 10 Fair Information Principles, CalcGeo practices strict data minimization: we limit collection solely to the technical information necessary to deliver static calculator code, identify the purpose of any technical connection, and do not retain personal financial records.

11. Australian & New Zealand Privacy Principles

12. Protection of Children’s Privacy (COPPA & GDPR-K)

CalcGeo is an informational statutory calculation service designed for adult wage earners, property buyers, taxpayers, and commercial planners. The platform is not directed toward children under 13 years of age (or under 16 in the European Union).

We do not knowingly solicit, collect, or store personal information from children. If you are a parent or guardian and believe that your child has submitted personal details through an inquiry form, please notify us immediately at privacy@calcgeo.online, and we will promptly purge such communication from our records.

13. Technical Security Safeguards & Encryption

Although we do not collect financial payloads, we maintain robust defensive security controls to protect the integrity of our static code distributions:

• Transport Layer Security (TLS 1.3): All network traffic between your client device and CalcGeo is encrypted in transit using high-grade cipher suites.
• HTTP Strict Transport Security (HSTS): We enforce mandatory HTTPS connections to defend against man-in-the-middle downgrades.
• Content Security Policy (CSP) & Modern Headers: We implement strict CSP, X-Frame-Options (DENY), X-Content-Type-Options (nosniff), and Permissions-Policy headers to prevent cross-site scripting (XSS), clickjacking, and unauthorized API probing.
• Subresource Integrity: JavaScript assets are protected against unauthorized modification or injection.

14. Links to Official Government Portals & Third-Party Sites

For transparency and verification, CalcGeo frequently embeds links to official government agencies (such as IRS.gov, GOV.UK, Canada.ca, ATO.gov.au, IRD.govt.nz, and Revenue.ie).

Please note that once you click an outbound link to an external website or statutory authority portal, your browsing becomes subject to that external entity's privacy policy and terms. CalcGeo holds no control over, and assumes no responsibility for, the privacy practices or data handling of external third-party domains.

15. Modifications to This Privacy Policy

We reserve the right to revise this Privacy Policy periodically to reflect changes in legal requirements, statutory standards, emerging technologies, or website functionality. When revisions occur, we will update the “Last Revised” date prominently at the head of this document.

Your continued use of CalcGeo after the publication of an amended Privacy Policy constitutes your acknowledgment and acceptance of the revised terms. We encourage you to review this page periodically.