Last updated: October 18, 2026
This Privacy Policy describes how EMI Cal Hub ("we", "us", "our") handles information when you visit emicalchub.com (the "Site"). By using the Site, you agree to the practices described here.
1. The short version
- You can use every calculator without creating an account.
- The numbers you enter into our calculators are processed in your own browser and are not sent to our servers.
- We use your browser's local storage only for small conveniences, such as remembering your currency.
- Like most websites, our host and any analytics or advertising partners may collect standard technical data, described below.
2. Information we collect
Calculator inputs
Loan amounts, rates, income figures and other values you type into a calculator stay on your device. We do not collect, store or see them.
Information you send us
If you contact us by email, we receive your name, email address and whatever you choose to include in your message. We use it only to reply and to improve the Site.
Technical and usage data
When you visit any website, your browser automatically shares certain information, such as your IP address, browser type, device type, referring page and the pages you view. Our hosting provider may record this in standard server logs for security and maintenance. If we use analytics tools, they may collect similar data in aggregated form to help us understand which pages are useful.
3. Local storage and cookies
We use your browser's local storage to remember:
- the currency you selected, so you don't need to choose it on every page, and
- whether you have already rated a calculator, so the rating isn't counted twice.
This information stays in your browser. You can clear it at any time through your browser settings.
Third-party services we use, such as advertising or analytics providers, may set their own cookies. You can block or delete cookies in your browser settings; the calculators will still work.
4. Advertising
We may display advertisements to keep the Site free. Our advertising partners may include Google. Please note:
- Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites.
- Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to this Site and/or other sites on the Internet.
- You may opt out of personalised advertising by visiting Google Ads Settings. You can also opt out of some third-party vendors' use of cookies for personalised advertising at www.aboutads.info.
For more detail, see how Google uses information from sites that use its services.
5. Third-party services
- Exchange rates: our currency converter requests reference exchange rates from a third-party rate service (open.er-api.com). That request includes the currency code and, like any web request, your IP address. No calculator amounts are sent.
- External links: our pages may link to other websites. We are not responsible for their content or privacy practices.
6. How we use information
We use the limited information described above to operate and secure the Site, understand how it is used, fix problems, respond to messages and, where applicable, show relevant advertising. We do not sell your personal information.
7. Data retention
Emails you send us are kept only as long as needed to respond and for reasonable record-keeping. Server logs are retained by our host for a limited period for security purposes.
8. Your rights and choices
Depending on where you live, you may have rights to access, correct or delete personal information we hold about you, or to object to certain processing. To make a request, contact us. You can also control cookies and local storage through your browser at any time.
9. Children's privacy
The Site is intended for a general audience and is not directed at children under 13. We do not knowingly collect personal information from children.
10. Changes to this policy
We may update this policy from time to time. Changes take effect when posted on this page, and the "Last updated" date above will change accordingly.
11. Contact
Questions about this policy? Email us at contact@emicalchub.com or use our contact page.