Last updated: January 1, 2026
At FreeOnlineToolkit.org, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your information when you use our website and tools. By using our website, you consent to the practices described in this policy.
We do not collect any personal information. All tools run entirely in your browser. Any data you enter (loan amounts, text, passwords, etc.) is processed locally on your device using JavaScript and is never transmitted to our servers. We do not require registration, email addresses, or any form of account creation to use any tool on this site.
We use Google AdSense, a third-party advertising service provided by Google LLC, to serve advertisements on our website. AdSense uses cookies and web beacons to deliver relevant ads based on your browsing history and previous visits to this site and other websites across the internet.
Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and other sites on the internet. You may opt out of personalized advertising by visiting Google's Ad Settings. Alternatively, you can opt out of third-party vendor cookies by visiting the Network Advertising Initiative opt-out page.
You can learn more about how Google uses your data at Google's Partner Sites Policy.
Our website uses cookies for the following purposes:
You can control cookie settings through your browser preferences. Most browsers allow you to block or delete cookies. Please note that blocking certain cookies may affect how our website functions. You can find instructions for managing cookies in your browser's help section.
We use the following third-party services on our website:
These third-party vendors may use cookies, web beacons, or similar technologies to serve ads, measure ad effectiveness, and provide analytics. You can opt out of personalized advertising from these vendors by visiting the Digital Advertising Alliance opt-out page.
Since we do not collect personal data directly, we do not retain any user data on our servers. Any data processed by third-party services like Google AdSense is subject to their respective privacy policies and data retention practices. Advertising cookies placed by Google typically expire after 30 days but may vary.
Depending on your location, you may have the following rights regarding your data:
If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, and erase personal data. As we do not directly collect personal data, please direct any GDPR-related requests to the relevant third-party service providers listed above.
California residents have rights under the California Consumer Privacy Act (CCPA). You have the right to know what personal information is collected, whether it is sold or disclosed, and to request deletion of your data. We do not sell personal information.
We implement appropriate security measures to protect against unauthorized access to or alteration of any information under our control. All connections to our website use HTTPS encryption. However, no internet transmission is completely secure, and we cannot guarantee the absolute security of data transmitted to or from our website.
Our website is not directed to children under the age of 13. We do not knowingly collect any personal information from children. If you believe a child has provided personal data through our site, please contact us so we can investigate and remove any such data.
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated date. We encourage you to review this policy periodically to stay informed about how we protect your privacy. Continued use of our website after changes constitutes acceptance of the updated policy.
If you have any questions about this Privacy Policy, please contact us.