Privacy Policy

1. Overview

This Privacy Policy explains how JKTL LLC ("MoneyToolsLab", "we", "us") handles information when you use www.moneytoolslab.com. Our calculators are free to use and do not require an account or sign-up.

2. Calculator inputs

The numbers you enter into our calculators (loan amounts, interest rates, salaries, and similar figures) are processed entirely in your browser. We do not transmit, store, or have access to the values you enter into any calculator.

3. Information we collect automatically

Like most websites, we automatically receive some technical information when you visit, such as your approximate location (country/region), device and browser type, pages visited, and how you arrived at the site. This is collected through standard web server logs and analytics tools and is used in aggregate — it is not used to identify you personally.

If contact forms are used elsewhere on the site, we collect only the information you voluntarily submit (such as your email address) to respond to your message.

4. Cookies and similar technologies

We may use cookies and similar technologies for essential site functionality, to remember your preferences, and to understand how visitors use the site through analytics. Third-party services we use (such as analytics or advertising partners) may set their own cookies subject to their own privacy policies. You can control or disable cookies through your browser settings at any time.

5. Advertising and affiliate links

MoneyToolsLab may display advertising and contains affiliate links to third-party financial products and services, as described in our Terms of Use. Advertising and affiliate partners may use cookies or similar technologies to serve relevant ads and measure performance. We do not share the values you enter into our calculators with advertisers.

6. How we use information

Any information we do collect is used to operate and improve the site — for example, understanding which calculators are most useful, fixing bugs, and responding to messages sent through our contact channels. We do not sell personal information to third parties.

7. Data retention

Calculator inputs are never stored, since they are processed only in your browser and discarded when you close or navigate away from the page. Aggregate analytics data is retained only as long as needed for the purposes described above.

8. Children's privacy

MoneyToolsLab is not directed at children under 13, and we do not knowingly collect personal information from children.

9. Your rights

Depending on where you live, you may have rights to access, correct, or request deletion of personal information we hold about you. Since we do not require an account and do not store calculator inputs, in most cases we hold very little personal information to begin with. To make a request, use the details in the Contact section below.

10. Changes to this policy

We may update this Privacy Policy from time to time. Changes are effective immediately upon posting to this page, and the "Last updated" date above will reflect the most recent revision.

11. Contact

For questions about this Privacy Policy, contact us at info@jktl.com.ng.