SCHDcalc Privacy Policy: Your Data & Security

1. Information We Collect

We’re proud to say that SCHDCalc.com doesn’t collect a lot of data. We don’t store or process your financial data on our servers. All calculations are done in your browser.

Information You Provide:

• Contact Information: We get your name and email address when you fill out our contact form.
• Newsletter Subscription: If you choose to subscribe to our newsletter, we will need your email address so that we can send you information about SCHD, dividend investing and our calculator tools.
• User Feedback: Any comments, suggestions or testimonials you give on your own.

Automatically Collected Information:

• Usage Data: When you visit our website we automatically collect some information such as:
• Your IP address
• Browser type and version
• Device type
• Operating system
• Pages visited and time spent on those pages
• Referring websites
• Click patterns

2. How We Use Your Information

We collect information for these reasons:

• To Provide and Improve our Services: We look at usage data to see how people are using our calculators, find ways to make them better and make the experience better for everyone.
• To Communicate with You: We use your contact information to answer questions, help customers and send newsletters (if you signed up for them).
• Analytics: We use combined data for testing, research and development to improve our website and the user experience.
• Legal Compliance: We may use and keep information in order to follow the law.

3. Data Security

We use the right technical and organizational security measures to keep your personal information safe from being accessed, changed, shared or destroyed without your permission. But we can’t guarantee complete security because no way to send or store data over the Internet is 100% safe.

Key security features include:

• Client-side Processing: Your financial data never gets sent to our servers because our calculator does all the math in your browser.
• Secure Communication: HTTPS encryption keeps all the data that goes between your browser and our website safe.
• Limited Data Collection: We only get the information we need to do our jobs.

4. Cookies and Tracking Technologies

We use cookies and other tracking tools to keep track of what people do on our website and to store some information. Cookies are small files that store a small amount of data which may include a unique identifier that is not linked to a person.

Types of cookies we use:

• Essential Cookies: These are needed for our website to work.
• Preference Cookies: It tells the site to remember the choices you make like how you want your calculator to work.
• Analytics Cookies: These cookies collect and report information about how visitors use our website without telling us who they are.

You can tell your browser to block all cookies or to let you know when a cookie is being sent. But some parts of our website may not work right if you don’t accept cookies.

5. Third-Party Services

We may employ third-party companies and individuals for the following reasons:

• To facilitate our website functionality;
• To provide the website on our behalf;
• To perform service-related tasks; or
• To assist us in analyzing how our website is used.

These third parties include:

• Google Analytics: We use Google Analytics to learn how people use our website. Google Analytics gathers standard internet log data and visitor behavior data in a way that doesn’t identify the people who visit your site.
• Newsletter Service Providers: Our email service provider will keep your email address if you sign up for our newsletter.
• Hosting Services: Our website is hosted on secure servers provided by reputable hosting companies.

These third parties can only see your Personal Information and do these things for us and they are not allowed to share or use it for any other reason.

6. Links to Other Websites

There may be links on our website to other websites that we don’t run. If you click on a link from a third party you will go to that third party’s site. We strongly suggest that you read the Privacy Policy of every website you visit.

We don’t have any control over or responsibility for the content, privacy policies or practices of any third-party sites or services.

7. Children’s Privacy

Child under 18 should not use our website. We do not knowingly collect any information that could be used to identify a child under 18. Please get in touch with us if you are a parent or guardian and know that your child has given us Personal Information. If we find out that we’ve collected Personal Information from kids without checking that their parents gave permission, we do what we can to get rid of that information from our servers.

8. Your Privacy Rights

Depending on where you live, you may have certain rights when it comes to your personal information. These include:

• Access: You can ask for copies of your personal information.
• Rectification: You have the right to ask us to fix any wrong information we have about you.
• Erasure: You can ask us to delete your personal information in some situations.
• Restrict Processing: In some cases you have the right to ask us to limit how we use your information.
• Data Portability: You can ask us to send the information you’ve given us to another organization or to you directly.
• Don’t process: You can say no to some kinds of processing, like processing for direct marketing.

Please use the information in the “Contact Us” section below to get in touch with us if you want to use any of these rights.

9. Changes to This Privacy Policy

From time to time we may change our Privacy Policy. We will inform you about any changes by posting the new Privacy Policy on this page and changing the date at the top of this Privacy Policy to “Last Updated.”

You are advised to review this Privacy Policy periodically for any changes. When this page is updated with changes to this Privacy Policy, they go into effect.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: info@schdcalc.com
• By using our contact form: Contact Page