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Privacy Policy

Effective Date: January 1, 2024

1. Introduction

Welcome to obrilla.com ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we collect, use, and safeguard your information when you use our loan calculator website.

2. Information We Collect

2.1 Calculator Data

When you use our loan calculator, the calculations are performed entirely in your browser. We do not collect or store:

• Loan amounts you enter
• Interest rates you calculate
• Personal financial information
• Calculator results

2.2 Automatically Collected Information

We may collect certain information automatically when you visit our website:

• IP address
• Browser type and version
• Operating system
• Referring website
• Pages viewed and time spent on pages
• Date and time of visit

2.3 Cookies and Similar Technologies

We use cookies and similar tracking technologies to improve your experience. These may include:

• Essential Cookies: Necessary for the website to function properly
• Analytics Cookies: Help us understand how visitors use our website
• Preference Cookies: Remember your settings and preferences

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our website
• To improve user experience
• To analyze website usage and optimize performance
• To comply with legal obligations
• To protect against fraudulent or illegal activity

4. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information only in the following circumstances:

• With service providers who assist in website operations
• To comply with legal obligations or court orders
• To protect our rights, privacy, safety, or property
• With your consent

5. Data Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

6. Your Rights and Choices

6.1 Your Rights

Depending on your location, you may have the following rights:

• Access: Request access to your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data
• Portability: Request transfer of your data
• Objection: Object to certain processing of your data
• Restriction: Request restriction of processing

6.2 Cookie Preferences

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

7. Children's Privacy

Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

9. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

10. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with your local supervisory authority.

11. Changes to This Privacy Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Effective Date" at the top.

12. Contact Us

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