Cookie Policy

Last updated: 2026-05-25

What are cookies?

Cookies are small text files stored on your device by your browser when you visit a website. Some cookies are essential — without them, parts of the site stop working. Others are used for analytics or advertising. This page lists every cookie we use, why we use it, and how you can control them.

Your control: Google certified CMP + Consent Mode v2

If you visit Calctube from the EU/EEA, UK, or Switzerland, you'll see a consent banner from Google's certified Funding Choices Consent Management Platform with three choices:

• Consent — analytics and personalized ad cookies are enabled. We see anonymized traffic patterns and you may see relevant ads.
• Do not consent — only strictly-necessary cookies and non-personalized ads. The calculators still work perfectly.
• Manage options — granular control over each purpose and vendor under the IAB Transparency & Consent Framework.

We pair this CMP with Google Consent Mode v2 in default-deny mode: until you make a choice, Google Analytics and Google AdSense run in consent-denied mode — no personal identifiers are stored and no personalization happens. Your decision is remembered in cookies managed by Google's CMP (FCNEC, FCCDCF) so the banner doesn't reappear on every visit.

Visitors outside the EU/EEA/UK/Switzerland are not legally required to be prompted, so the banner doesn't show automatically — but everyone gets the same default-deny treatment for personalization and analytics until consent is signaled.

To change your choice later: clear cookies for calctube.com and the CMP banner will reappear on your next visit (if you're in a covered region), or use Google Ads Settings to manage ad personalization across the web.

Cookies we use

Strictly necessary

Essential cookies are always set regardless of your banner choice — they make the site work and protect it from abuse. They contain no personal identifiers.

Analytics (only set after you accept)

Advertising (only set after you accept)

Calctube uses Google AdSense (publisher ID pub-1115172981829710) to fund the free tools. Ads only render after you signal consent through the CMP banner, and personalization is off by default until then.

Local storage (not a cookie, but worth knowing)

A few calculators (mortgage, EMI, SIP) save your last-used inputs in your browser's localStorage so you don't have to re-enter them on your next visit. This data never leaves your device — it isn't sent to any server. Clearing your browser data removes it.

Third-party services and where to opt out

• Google Analytics — opt out browser-wide with the Google Analytics Opt-out Add-on.
• Google personalized ads — manage at Google Ads Settings.
• Cloudflare cookies — see Cloudflare's cookie policy.
• Industry-wide opt-out for behavioral ads: YourOnlineChoices.eu (EU), DAA WebChoices (US).

Do Not Track & Global Privacy Control

Calctube respects the legal-safe default: until you actively grant consent through Google's CMP banner, we treat your visit as if Do Not Track were on. Analytics still receives an anonymized pageview-only signal (Consent Mode v2's denied-state ping) so we can roughly count traffic, but no identifiers persist and no behavioral profile is built. Browser-level Global Privacy Control (GPC) signals are also honored — if your browser sends GPC, the CMP treats it as a "do not consent" signal automatically.

Children's privacy

Calctube is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided data through our site, email [email protected] and we will delete it.

Changes to this policy

We update this page whenever we add or remove a cookie. Material changes (new third-party providers, new ad partners) trigger Google's CMP to re-prompt you under the IAB TCF rules so you can re-choose.

Contact

Cookie questions, complaints, or data subject requests: [email protected]