Privacy Policy

Information We Collect

Automatically Collected Information

When you visit PennyPilot Digital, we automatically collect certain information, including:

• Device Information: Browser type, operating system, device type
• Usage Data: Pages visited, time spent on pages, click patterns
• Technical Data: IP address, referring URL, timestamps

This information is collected through cookies, web beacons, and similar technologies. We use it to improve our Site and analyze traffic patterns.

Information You Provide

If you use our calculators or tools, you may input information such as:

• Loan amounts
• Interest rates
• Payment terms
• Debt balances
• Estimated contributions, investment returns, or retirement assumptions

This information is processed locally in your browser and is not stored on our servers. We do not collect or store the personal financial data you enter into calculators.

Do not enter Social Security numbers, full account numbers, passwords, bank-login details, or other sensitive identifiers into calculators, search fields, or contact emails.

How We Use Information

We use collected information to:

• Provide and maintain the Site
• Improve user experience and Site functionality
• Analyze usage patterns and trends
• Prevent fraud and ensure security
• Comply with legal obligations

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Understand how you use the Site
• Improve site content and usability
• Track affiliate referrals

You can control cookies through your browser settings. However, disabling cookies may affect Site functionality.

For more detail, review our Cookie Policy.

Affiliate Links and Third Parties

When you click on affiliate links to financial products, our partners may collect information about your visit. This includes:

• That you came from PennyPilot Digital
• Referral identifiers
• Timestamps and interaction data

Once you leave our Site and visit a partner's website, their privacy policy applies. We encourage you to review their privacy practices.

Sale, Sharing, and Targeted Advertising Choices

PennyPilot Digital does not ask for sensitive application information and does not knowingly sell sensitive personal financial information. Some analytics, advertising, or affiliate referral activity may be considered "sharing," "targeted advertising," or a similar concept under certain privacy laws.

You may limit this activity through browser privacy controls, third-party cookie blocking, tracking-protection tools, or by contacting us at privacy@pennypilot.digital.

Analytics Services

We may use third-party analytics services (such as Google Analytics) to help analyze Site usage. These services may collect information about your use of the Site. Review their privacy policies for details on their practices.

Data Security

We implement reasonable security measures to protect information collected through the Site. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Data Retention

We retain automatically collected information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.

Your Rights

Depending on your location, you may have the right to:

• Access information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of certain data processing
• Request data portability

To exercise these rights, email privacy@pennypilot.digital. We may need enough information to verify and process your request.

Children's Privacy

The Site is not intended for children under 18. We do not knowingly collect information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will post changes on this page with an updated revision date. Your continued use of the Site after changes constitutes acceptance of the updated policy.

Contact Us

For questions about this Privacy Policy or our data practices, email privacy@pennypilot.digital.