What cookies and local storage are
Cookies are small text files saved by a website or its service providers. Local storage is a related browser feature. These technologies can remember choices, help protect services, measure how pages are used, and support advertising.
Calculator inputs
The financial calculator inputs and results are processed in your browser. MyCalcVault does not require an account and does not intentionally transmit the numbers you enter to a MyCalcVault database.
Advertising cookies
MyCalcVault is connected to Google AdSense for site review, but the current review build does not load ad-serving JavaScript or contain ad slots. If ads are enabled after approval, Google and its partners may use cookies, web beacons, IP addresses, device information, or similar identifiers to deliver, limit, measure, and protect advertising. Whether personalized advertising is available depends on your region, consent choices, and Google policy.
Google explains its use of advertising cookies in How AdSense uses cookies and describes broader data practices in How Google uses information from sites or apps that use its services.
Consent choices
Where consent is required, visitors should be offered choices through a Google-certified consent management platform before personalized advertising is served. A choice can be changed through the privacy controls shown by that platform. Browser settings can also block or delete cookies, although doing so may affect some third-party features.
Strictly necessary storage
Security, fraud prevention, load balancing, and consent records may require limited storage even when advertising personalization is declined. These uses should be limited to what is necessary for the requested service and applicable legal obligations.
Policy changes
This policy will be updated when the site's advertising, analytics, or consent setup changes materially. The effective date will change only when the text or underlying practices change.
Optional, temporary calculator handoff
Calculations themselves run in your browser. If you choose a “Carry” button in the home-buying workbook, MyCalcVault stores only the entered numeric calculation figures and derived budget or cash-reserve amounts in sessionStorage for this same browser tab. This lets the next tool offer to insert compatible values. We do not include these personal figures in page URLs, send them to a calculation server, or use them for advertising. The stored handoff expires after one hour and is discarded when read after expiry; “Clear stored handoff” removes it immediately. Browser session restoration can retain tab storage, so clear it on a shared device. Normal hosting request logs may still record page visits as described below. Public example links contain only an editorial fixture name, never a visitor’s entered amounts.