Privacy Policy

This Privacy Policy describes how ACA Subsidy Cliff Calculator ("we," "us," or "our") collects, uses, and shares information when you visit acasubsidycliff.com (the "Site"). By using the Site, you agree to the practices described in this policy.

1. Information We Collect

Our calculator runs entirely in your browser. We do not collect, store, or transmit any personal financial data you enter into the calculator. No accounts are created and no financial information is saved.

However, third-party services on our Site may automatically collect certain information, including:

• IP address, browser type, operating system, device identifiers
• Pages visited, time spent on pages, referring URLs
• Cookies and similar tracking technologies (see Section 4)

2. Third-Party Services

Google Analytics: We use Google Analytics to understand how visitors interact with our Site. Google Analytics collects information such as how often users visit the Site, what pages they visit, and what other sites they used prior to coming to the Site. Google Analytics collects only the IP address assigned to you on the date you visit the Site, rather than your name or other identifying information. We do not combine the information collected through Google Analytics with personally identifiable information. Google's ability to use and share information collected by Google Analytics about your visits to the Site is restricted by the Google Analytics Terms of Service and the Google Privacy Policy. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on at tools.google.com/dlpage/gaoptout.

Google AdSense: We use Google AdSense to display advertisements. Google and its partners may use cookies, web beacons, and similar technologies to serve ads based on your prior visits to this Site or other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this Site and/or other sites on the Internet. You may opt out of personalized advertising by visiting www.aboutads.info/choices or optout.networkadvertising.org.

Affiliate Partners: Our Site contains links to third-party websites and services, including health insurance marketplaces, HSA providers, and financial services. When you click on an affiliate link, the third-party website may collect information about you in accordance with their own privacy policies. We may receive a commission from purchases made through these links. We do not control the privacy practices of these third parties.

3. How We Use Information

Information collected by third-party services is used to: analyze Site traffic and usage patterns; serve relevant advertisements; improve Site content and user experience; and comply with legal obligations.

4. Cookies and Tracking Technologies

Cookies are small text files placed on your device by websites you visit. Our Site uses cookies from Google Analytics and Google AdSense as described above. These cookies are used for analytics, advertising, and to remember your preferences. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites.

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, some features of the Site may not function properly without cookies.

5. Do Not Track Signals

Our Site does not respond to Do Not Track ("DNT") signals. However, you can opt out of tracking as described in Sections 2 and 4 above.

6. California Residents (CalOPPA)

Under the California Online Privacy Protection Act (CalOPPA), California residents have the right to know what categories of personally identifiable information are collected about them and whether that information is disclosed to third parties. As described above, third-party analytics and advertising services on our Site may collect certain information. We do not sell personal information. California residents may contact us at the address below to request information about our privacy practices.

7. Children's Privacy

Our Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us.

8. Data Security

All calculator computations occur entirely within your browser. No financial data you enter is transmitted to our servers or any third party. We use reasonable measures to protect the Site from unauthorized access.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised policy.

10. Contact

If you have questions about this Privacy Policy, contact us at: privacy@acasubsidycliff.com