Privacy Policy

Effective date: September 20, 2026 | Applies to tstools.org and all subpages

TS Tools ("the Site") takes your privacy seriously. This policy explains what information is — and is not — collected when you visit and use the Site.

1. What we do NOT collect (calculators)

Your calculator inputs. All calculators are pure front-end applications. The numbers you enter — loan amounts, salary, interest rates — are computed locally in your browser's memory and are never transmitted to or stored on any server.
Identity data. The Site has no accounts and requires no sign-up. We never ask for your name, phone number or email address to use a tool.
Nothing to sell. Because we collect no personal data through calculators, there is nothing to sell or share with data brokers.

✅ For calculators: everything you type stays on your own device. Close the tab and it's gone. (The AI advisor is different — see Section 2.)

2. AI Financial Advisor (data you intentionally submit)

The Site offers an optional AI Financial Advisor that answers money questions in plain English. This feature works differently from the calculators:

What is sent: Only the question text you type and submit is sent to a third-party AI service to generate an answer. No calculator inputs, no identity data, and no tracking identifiers are attached.
What is not sent: Your calculator inputs, browser preferences, and any information you have not typed into the AI question box are never transmitted by this feature.
Sensitive data: Please do not enter ID numbers, bank card numbers, or other sensitive personal data in the AI question box — whatever you type there may be processed by the AI provider.
Storage & retention: We do not store a persistent record of your AI conversations. The AI provider's own data practices (including any logging or retention) are governed by its privacy policy, which may differ from ours.
Optional use: The AI advisor is completely optional. If you prefer not to send any text off-device, simply use the calculators directly — they require no network interaction beyond loading the page.

3. Third-Party Advertising & Cookies (Google AdSense)

This Site displays ads via Google AdSense to keep all tools free. Google, as a third-party ad vendor, may use cookies to serve ads based on your prior visits. Please note:

Ad cookies: Google may use cookies (including the DoubleClick DART cookie) to serve more relevant ads based on your visit history.
Ad personalization: Google may show personalized ads based on your interests across this and other sites. You can opt out of personalized advertising at Google Ads Settings.
Opting out of DART cookies: To disable DART cookies, block third-party cookies in your browser settings, or visit Google's Ad Cookie Policy for details.
Third-party vendors: Google and its ad partners may use various technologies (cookies, pixels, device fingerprinting) to measure ad performance. Their data practices are governed by their respective privacy policies.

4. Traffic Analytics (Google Analytics 4)

This Site uses Google Analytics 4 (GA4) to understand page traffic trends and improve content. GA4 may collect anonymized visit data via cookies:

Information collected includes pages visited, time on site, traffic source, device type — all anonymized aggregate data.
GA4 applies IP anonymization by default and does not store personally identifiable IP addresses.
You can install the Google Analytics opt-out browser add-on to prevent GA4 data collection.

5. Guestbook

If you use the guestbook, your submitted name and message are sent to our server and published immediately after submission. They are retained while displayed on the guestbook. Please do not submit phone numbers, ID numbers, email addresses, or other sensitive information.

6. Anonymous visit statistics

Our homepage displays a "today's visitors" counter. This counter is implemented in a privacy-friendly way and is used only to understand overall traffic trends:

On first page load, the browser sends one anonymous marker (used only for same-day deduplication) that contains no personally identifiable information.
The stats service hashes source information and does not store recognizable IP addresses, nor does it associate visits with your calculator inputs.
Only daily aggregate visitor counts are retained; individual visitors cannot be traced.

In addition to the anonymous statistics above, our hosting provider (Cloudflare) records standard server logs at the network level (which may include IP address, access time, requested URL, browser user-agent), used to keep the Site secure and operational. We never correlate this technical data with your calculator inputs — the latter never reaches a server in the first place.

7. Local storage

Some tools may use browser localStorage to remember your local preferences (e.g., language, units). This data lives only on your device and can be erased at any time by clearing your browser data.

8. Third-party links

Our guides may link to official institutions or other websites. Once you leave the Site, that destination's own privacy policy applies; we are not responsible for their data practices.

9. Changes to this policy

This Site currently uses Google AdSense advertising and Google Analytics 4 analytics (see Sections 3 and 4), and offers an optional AI Financial Advisor that transmits the question you submit (see Section 2). If we adjust third-party services or introduce new features, we will update this page and revise the effective date, with notable changes announced on the homepage.

10. Your rights

Because the Site collects no personal data through its calculators, there is generally nothing to access, correct or delete. The AI advisor transmits only the question you submit; we do not retain a persistent record of AI conversations. Still, if you have any question or complaint about how the Site handles data, reach us via the Contact page — we respond within 7 business days.

11. Children

The Site is intended for a general audience and does not knowingly collect any information from children.