Privacy Policy

Last updated: March 2026

1. No Personal Data Collected by Us

MoneyByMath does not directly collect, store, transmit, or sell any personally identifiable information (PII). We do not use accounts, logins, or sign-ups.

2. Local Browser Storage

Some features (such as rate limiting and saved preferences) store small amounts of data in your browser's localStorage. This data never leaves your device and is not accessible to us. You can clear it at any time by clearing your browser's site data.

3. Advertising & Cookies (Google AdSense)

This site uses cookies from Google AdSense and Disqus. These third-party services may use cookies and similar tracking technologies for advertising and analytics purposes.

You can opt out of personalized advertising by visiting Google's Ad Settings or aboutads.info. Google's use of advertising cookies is governed by the Google Privacy Policy.

4. Comments (Disqus)

This site uses Disqus to power the comments section. When you interact with the comments widget, Disqus may collect your name, email address, IP address, and browser information. Disqus may also set cookies and use tracking technologies for analytics and advertising purposes, even if you do not post a comment.

MoneyByMath does not have access to or control over the data Disqus collects. Disqus's handling of your data is governed by the Disqus Privacy Policy. You can opt out of Disqus data collection at disqus.com/data-sharing-settings.

5. Affiliate Links Disclosure

Some links on this site are affiliate links. This means MoneyByMath may earn a small commission if you click a link and make a purchase or sign up, at no additional cost to you. Affiliate links are provided as a convenience and do not influence the content or tools on this site. We only link to services we believe may be relevant to our users.

This disclosure is made in accordance with the FTC's Endorsement Guidelines.

6. Hosting Infrastructure

This site is hosted on Render. Render's infrastructure may automatically log standard server data such as IP addresses, browser user agents, and request timestamps for operational and security purposes. This data is not collected or accessed by MoneyByMath and is governed solely by Render's Privacy Policy.

7. Third-Party Data Sources

This site retrieves financial data from the following third-party services. By using this site, you agree to their respective terms:

FRED® API (Federal Reserve Bank of St. Louis) - Mortgage rate data (MORTGAGE30US). This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. See: FRED® Terms of Use.
Yahoo Finance - Stock prices, financial ratios, and options data. Data may be delayed or inaccurate. Subject to Yahoo's Terms of Service.

8. No Warranties

All information on this site is provided "as is" without warranty of any kind, express or implied. We do not guarantee the accuracy, completeness, or timeliness of any data or calculation. Nothing on this site is financial, investment, legal, or tax advice. Use this site at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, MoneyByMath and its operators shall not be liable for any financial loss, damages, or adverse outcomes arising from use of or reliance on this site or its calculators.

10. Changes to This Policy

We may update this policy at any time. Continued use of the site after changes constitutes acceptance of the revised policy.

11. Contact

Questions? Reach us via the contact information on the main site.