Privacy Policy.

Eerns is designed to be used without creating an account and without submitting calculator values to a public Eerns account system. The website may collect limited information in the following ways:

Calculator inputs: Eerns calculators use information you type into calculator fields, such as income, expenses, rates, balances, loan amounts, savings goals, or tax planning assumptions, to show results on the page. These tools are intended for educational estimates and do not require an account.

Automatic website data: Like most websites, Eerns and its service providers may receive technical information such as browser type, device type, pages visited, approximate location based on IP address, referring pages, and time spent on the site.

Eerns does not currently offer public user accounts, a public contact form, or a public login area. Because of that, the site is not currently designed to collect names, email addresses, account profiles, or support messages directly through an Eerns server-side submission form.

If Eerns later adds a contact form, newsletter, account feature, or other submission feature, this Privacy Policy should be updated before that feature is launched.

Some Eerns calculators may store entered values in the page URL so the estimate can be refreshed, bookmarked, copied, or shared. If you copy a calculator page link after entering values, those values may be included in the URL and visible to anyone who receives that link.

Do not enter sensitive personal information into calculator fields. Eerns calculators are built for general planning estimates, not for collecting private financial records, tax returns, account numbers, Social Security numbers, or other sensitive data.

Eerns may use browser local storage to remember basic site interactions, such as recently used calculators. This information is stored in your browser and is used to make the site easier to navigate. You can usually clear local storage through your browser settings.

Information may be used to operate the website, display calculator results, improve tools and guides, understand which pages are useful, protect the website from spam or abuse, and support advertising or analytics if those services are enabled.

Eerns may use cookies, local storage, analytics tools, and advertising services. These technologies can help remember basic preferences, measure site traffic, understand how visitors use the site, and display advertisements.

Eerns may display third-party advertising, including Google AdSense or similar advertising networks. Advertising partners may use cookies or similar technologies to serve ads, measure ad performance, prevent fraud, and personalize or limit ads depending on your settings and applicable law.

You can usually control cookies through your browser settings. Some advertising providers also offer their own ad preference or opt-out tools.

Eerns may link to third-party websites, tools, products, services, resources, or advertisements. Eerns is not responsible for the privacy practices, content, claims, or policies of third-party websites. When you leave Eerns, the privacy policy of the other website applies.

Eerns may include affiliate links, sponsored placements, or advertising in the future. If affiliate links are used, Eerns may earn a commission when a visitor clicks a link or makes a purchase through a partner site, at no extra cost to the visitor.

Eerns keeps information only as long as reasonably needed for the purposes described in this policy, unless a longer period is required for security, legal, or operational reasons. Browser-based local storage remains on your device until cleared through your browser or site settings.

You can avoid entering sensitive information into calculators, avoid sharing calculator URLs that include entered values, clear or block cookies in your browser, clear local storage, use browser privacy controls, and avoid clicking third-party links or advertisements. Some site features may not work the same way if cookies, local storage, or scripts are blocked.

Eerns may update this Privacy Policy as the website changes, including when new analytics, advertising, affiliate, contact, embed, or interactive features are added. The updated date at the top of the page will show when the policy was last revised.