About This Page:
Privacy Policy
Effective Date: March 22, 2026
Raney Financial Consulting Services (“Company,” “we,” “our,” or “us”) operates the website financecalculators.us (the “Service”). This Privacy Policy explains how we collect, use, and safeguard information when you visit our website.
By using the Service, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
We collect limited information to improve functionality and user experience.
a. Log Data
When you visit our website, we may automatically collect information sent by your browser, including:
- IP address
- Browser type and version
- Pages visited
- Date and time of visits
- Time spent on pages
- Referring URLs
This data is used for analytics and performance improvements.
b. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Enhance user experience
- Analyze website traffic
- Serve relevant advertisements
You can disable cookies through your browser settings. However, some features of the Service may not function properly.
c. Third-Party Advertising & Analytics
We may partner with third-party advertising networks and analytics providers that collect non-personal data such as:
- Browsing behavior
- Device information
- Interaction with ads
These third parties may use cookies, pixels, or similar technologies.
To learn more or opt out of targeted advertising, visit:
https://optout.networkadvertising.org
d. Calculator Inputs / Web Forms
Information entered into calculators or forms is used solely to generate results and improve functionality.
We do not store sensitive financial inputs unless explicitly stated.
2. How We Use Information
We use collected information to:
- Operate and maintain the website
- Improve user experience and performance
- Analyze usage trends
- Display relevant advertisements
3. Data Sharing and Disclosure
We do not sell personal information. However, we may share data with:
- Service providers (analytics, hosting, ads)
- Legal authorities if required by law
4. Data Security
We implement reasonable technical and organizational safeguards to protect your data.
However, no method of transmission over the Internet is 100% secure.
5. Your Privacy Rights
Depending on your location, you may have rights such as:
- Accessing your personal data
- Requesting deletion of your data
- Opting out of data collection or targeted ads
To exercise these rights, contact us at: [Insert Contact Email]
6. Children’s Privacy
This website is not intended for children under 13.
We do not knowingly collect personal information from children. If such data is discovered, it will be deleted promptly.
7. Third-Party Links
Our website may contain links to third-party websites.
We are not responsible for their privacy practices or content.
8. Changes to This Privacy Policy
We may update this policy periodically. Changes become effective immediately upon posting.
We encourage users to review this page regularly.
9. Contact Us
If you have questions about this Privacy Policy, contact us at: https://financecalculators.us/contact-us/
10. Advertising & Google AdSense
We use third-party advertising services, including Google AdSense, to display advertisements on our website.
These services may use:
- Cookies
- Web beacons
- Similar tracking technologies
to collect information about your visits to this and other websites in order to provide advertisements relevant to your interests.
Google Advertising Cookies
Google uses the DoubleClick cookie to:
- Serve ads based on your visits to this site and other websites
- Improve ad personalization
Users may opt out of personalized advertising by visiting:
https://adssettings.google.com
For more information, visit:
https://policies.google.com/technologies/ads
Terms of Use
Effective Date: March 22, 2026
Welcome to financecalculators.us, operated by Raney Financial Consulting Services (“Company,” “we,” “our,” or “us”).
By accessing or using this website, you agree to these Terms of Use. If you do not agree, you must stop using the website immediately.
1. Use of the Website
This website provides financial calculators and informational tools for general educational purposes only.
You agree to use the website only for lawful purposes and in a way that does not:
- Violate any laws or regulations
- Infringe on intellectual property rights
- Disrupt or damage the website
- Introduce harmful code (viruses, malware, etc.)
2. No Financial Advice
All calculators, tools, and content on this website are provided for informational purposes only.
They do not constitute:
- Financial advice
Investment advice
Tax or legal advice
You should consult a qualified professional before making financial decisions.
3. Accuracy of Information
We strive to provide accurate and up-to-date information, but:
- Results may contain errors
- Calculations may be approximate
- Data may become outdated
We make no guarantees regarding accuracy or completeness.
4. Intellectual Property
All content on this website—including text, design, and calculators—is owned by the Company unless otherwise stated.
You may not:
- Copy, reproduce, or distribute content
- Reverse engineer any tools or code
- Use the website for commercial purposes without permission
5. Third-Party Links
The website may include links to external websites.
We do not control or endorse these third parties and are not responsible for their content or practices.
6. Limitation of Liability
To the fullest extent permitted by law:
The Company is not liable for any damages arising from:
- Use or inability to use the website
- Errors in calculations or content
- Financial decisions made based on the website
Your use of the website is at your own risk.
7. Disclaimer of Warranties
The website is provided “as is” and “as available” without warranties of any kind, including:
- Accuracy
- Reliability
- Fitness for a particular purpose
8. Termination
We reserve the right to:
- Restrict or terminate access to the website
- Modify or discontinue any part of the Service
At any time, without notice.
9. Governing Law
These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles.
Any disputes shall be resolved in courts located in Tennessee.
10. Changes to These Terms
We may update these Terms at any time. Continued use of the website means you accept the updated Terms.
11. Contact Information
For questions regarding these Terms, contact: https://financecalculators.us/contact-us/
Affiliate Disclosure
Effective Date: March 22, 2026
Raney Financial Consulting Services (“Company,” “we,” “our,” or “us”) participates in affiliate marketing programs. This means we may earn commissions on qualifying purchases made through links on financecalculators.us, at no additional cost to you.
How It Works
Some links on this website are affiliate links. If you click on these links and make a purchase, we may receive a small commission.
Our Commitment
- We only recommend products or services we believe may provide value
- Compensation does not influence our content, calculations, or recommendations
- All opinions expressed are our own
No Additional Cost to You
Using affiliate links does not increase the price you pay.
Responsibility
We are not responsible for:
- Product quality
- Pricing changes
- Third-party services or policies
Please review the terms and policies of any third-party provider before making a purchase.
DMCA & Copyright Policy
Effective Date: March 22, 2026
Raney Financial Consulting Services respects the intellectual property rights of others and expects users of financecalculators.us to do the same.
1. Copyright Ownership
All content on this website—including text, calculators, graphics, and design—is the property of the Company unless otherwise stated and is protected by applicable copyright laws.
2. Reporting Copyright Infringement (DMCA Notice)
If you believe that content on this website infringes your copyright, please submit a written notice including:
- Your name and contact information
- A description of the copyrighted work
- The exact URL of the allegedly infringing material
- A statement that you have a good faith belief the use is unauthorized
- A statement under penalty of perjury that your claim is accurate
- Your signature (physical or electronic)
Send note to: https://financecalculators.us/contact-us/
3. Counter-Notification
If you believe content was removed in error, you may submit a counter-notification including:
- Your contact information
- Identification of removed content
- A statement under penalty of perjury that removal was a mistake
- Consent to jurisdiction in your legal region
4. Repeat Infringers
We reserve the right to remove content and restrict access for users who repeatedly violate copyright laws.
Cookie Policy
Effective Date: March 22, 2026
This Cookie Policy explains how financecalculators.us uses cookies and similar technologies.
1. What Are Cookies?
Cookies are small text files stored on your device when you visit a website. They help improve functionality and user experience.
2. Types of Cookies We Use
Essential Cookies
Required for basic website functionality.
Analytics Cookies
Help us understand how users interact with our website.
Advertising Cookies
Used by third-party partners (such as Google) to display relevant ads.
3. Third-Party Cookies
We may allow third-party services, including advertising networks, to place cookies on your device. These cookies may track your browsing activity across different websites.
4. Google AdSense & Advertising
We use Google AdSense, which may use cookies (including the DoubleClick cookie) to:
- Show personalized ads
- Limit the number of times you see an ad
- Measure ad performance
Google may use data based on your visits to this and other websites.
You can learn more here:
https://policies.google.com/technologies/ads
5. Managing Cookies
You can control or disable cookies through your browser settings.
You can also opt out of personalized advertising at:
https://adssettings.google.com
6. Consent
By continuing to use our website, you consent to our use of cookies as described in this policy.