Last updated: November 2026

1. Overview and Core Privacy Commitment

At NPVCALC (npvcalc.link), we are deeply committed to respecting and protecting your privacy. We believe that your sensitive financial calculations—including monthly pension amounts, lump-sum offers, ages, and tax assumptions—should remain completely private to you.

2. 100% Client-Side Calculation Guarantee

Our calculators operate on a client-side architecture:

  • All financial algorithms and Net Present Value calculations run strictly inside your web browser using client-side JavaScript.
  • Zero financial parameters (benefit amounts, salary figures, ages, or buyout offers) are transmitted to our servers or stored in any database.
  • We do not require user accounts, logins, passwords, or personal identity verification to use our tools.

3. Cookies and Local Storage

We use standard browser technologies to enhance your browsing experience:

  • Local Storage: We use browser localStorage solely to remember client-side preferences (such as your chosen Light/Dark theme) and optional scenarios you choose to save on your device. This data remains on your physical machine and is never sent to our servers.
  • Essential Cookies: Temporary technical cookies may be used to maintain basic website security, performance, and caching.

4. Google AdSense and Third-Party Advertising Vendors

We may partner with third-party advertising networks, including Google AdSense, to serve advertisements when you visit our website. These advertising partners help support our free educational tools.

Please note the following regarding third-party advertising cookies:

  • Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites on the Internet.
  • Google's use of advertising cookies enables it and its partners to serve personalized ads to you based on your visits to our site and/or other sites across the Internet.
  • Users may opt out of personalized advertising by visiting Google Ads Settings. Alternatively, you can opt out of third-party vendor cookies for personalized advertising by visiting AboutAds.info.
  • To learn more about how Google uses data when you use partner sites or apps, visit How Google uses information from sites or apps that use our services.

5. Web Analytics and Server Logs

Like virtually all web hosts and content delivery networks, our infrastructure automatically collects standard web server log entries when pages are loaded. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, and date/time stamps. This telemetry is aggregated to analyze trends, administer the site, prevent denial-of-service attacks, and monitor uptime. Server logs are not linked to any personally identifiable financial data.

6. External Links

Our guides and resources contain links to external government, regulatory, and educational websites (such as IRS.gov, DOL.gov, and SSA.gov). We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy statements of any external site you visit.

7. Children's Online Privacy Protection (COPPA)

NPVCALC is designed for adults planning retirement and workforce decisions. We do not knowingly collect or solicit personal information from children under the age of 13.

8. Changes to This Privacy Policy

We may periodically update this policy to reflect technological, legal, or operational improvements. Any updates will be published directly on this page with a revised "Last updated" date.

9. Contact Us

If you have questions or concerns regarding this Privacy Policy, please contact our team:

Email: support@npvcalc.link
Website: https://npvcalc.link/contact/