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“we,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use SmartCalc.ai. Our goal is to provide accurate, easy-to-use calculators while protecting your privacy. All calculator inputs are anonymous by default. If you choose to provide personal details (for example, to connect with a lender), we may share that information with our affiliates, trusted partners, or lender network to deliver offers. 1. Information We Collect a. Anonymous Calculator Inputs When you use our calculators, the values you enter (such as loan amounts, rates, or savings goals) are processed without linking them to your identity. We may analyze usage in aggregate (e.g., “average loan size entered”) to improve our tools, but this data cannot be traced back to an individual. b. Voluntary Personal Information If you request offers, contact us, or connect with a lender, you may provide personal information such as your name, email address, phone number, estimated credit profile, or financial preferences. This information is voluntarily provided by you. 2. How We Use Information Anonymous Data – Used only to generate calculator results and improve the site experience. Voluntary Data – Used to: Respond to your requests or inquiries. Connect you with affiliates, lenders, or trusted partners. Deliver offers for financial products or services you may be interested in. 3. How We Share Information If you choose to provide personal information, SmartCalc.ai may share it as follows: Affiliates & Partners – With Appli affiliates, lender network participants, and trusted partners who may contact you with offers. Service Providers – With vendors supporting our operations (e.g., hosting, analytics, communications). Legal Requirements – If required by law, regulation, or legal process. 👉 We do not share anonymous calculator inputs in any way that identifies you personally. 4. Data Security We use industry-standard safeguards to protect information, including: Encryption (SSL/TLS) for all data transmitted. Restricted access to voluntary information. Secure servers with monitoring and protection against unauthorized access. Regular reviews of our privacy and security practices. While no system can be guaranteed completely secure, we are committed to protecting your information. 5. Your Rights and Choices Stay Anonymous – Use SmartCalc.ai calculators without providing any personal information. Opt Out of Sharing – If you no longer want your information shared with affiliates or partners, you may request removal at any time. Access or Delete – You may request a copy of your personal information or ask us to delete it. Opt Out of Offers – If you’ve shared your information and no longer wish to be contacted by partners, you can opt out by contacting us. 6. California & State-Specific Privacy Rights If you are a California resident (or reside in a state with similar laws such as Virginia, Colorado, or Connecticut), you may have additional rights: The right to know what personal information we collect and how it is used. The right to request deletion of your personal information. The right to opt out of the “sale” or “sharing” of personal information. While SmartCalc.ai does not sell personal information in the traditional sense, we may share your information with affiliates, lenders, or partners so they can provide offers. Under California law, this may be considered a “sale.” 👉 To exercise these rights, please email us at [Insert Contact Email]. 7. Cookies & Analytics We may use cookies and analytics tools to understand site traffic and improve performance. These tools collect anonymous usage data only unless you voluntarily provide identifying information. You can disable cookies in your browser settings at any time. 8. Children’s Privacy SmartCalc.ai is not directed to children under 13, and we do not knowingly collect information from them. If we learn that such data has been collected, it will be deleted promptly. 9. Updates to This Policy We may update this Privacy Policy periodically. If significant changes are made, we will revise the “Last Updated” date and post the updated policy on this page. 10. Contact Us If you have questions about this Privacy Policy or would like to exercise your rights, please contact us at: SmartCalc.ai / Appli Inc. support@hiappli.com 📢 California Privacy Notice at Collection SmartCalc.ai (operated by Appli [LLC/Inc.]) may collect personal information if you choose to provide it, such as your name, email address, or financial preferences. We may share this information with our affiliates, trusted partners, and lender network to connect you with financial offers. Under California law, this sharing may be considered a “sale” of personal information. 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Privacy Policy\n\n9/18/2025\n\nSmartCalc.ai is operated by Appli [LLC/Inc.] (“Appli,” “SmartCalc.ai,” “we,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use SmartCalc.ai.\n\nOur goal is to provide accurate, easy-to-use calculators while protecting your privacy. All calculator inputs are anonymous by default. If you choose to provide personal details (for example, to connect with a lender), we may share that information with our affiliates, trusted partners, or lender network to deliver offers.\n1. Information We Collect\n\na. Anonymous Calculator Inputs\n\nWhen you use our calculators, the values you enter (such as loan amounts, rates, or savings goals) are processed without linking them to your identity.\nWe may analyze usage in aggregate (e.g., “average loan size entered”) to improve our tools, but this data cannot be traced back to an individual.\n\nb. Voluntary Personal Information\n\nIf you request offers, contact us, or connect with a lender, you may provide personal information such as your name, email address, phone number, estimated credit profile, or financial preferences.\nThis information is voluntarily provided by you.\n\n2. How We Use Information\n\nAnonymous Data – Used only to generate calculator results and improve the site experience.\nVoluntary Data – Used to:\nRespond to your requests or inquiries.\nConnect you with affiliates, lenders, or trusted partners.\nDeliver offers for financial products or services you may be interested in.\n\n3. How We Share Information\n\nIf you choose to provide personal information, SmartCalc.ai may share it as follows:\n\nAffiliates & Partners – With Appli affiliates, lender network participants, and trusted partners who may contact you with offers.\nService Providers – With vendors supporting our operations (e.g., hosting, analytics, communications).\nLegal Requirements – If required by law, regulation, or legal process.\n\n👉 We do not share anonymous calculator inputs in any way that identifies you personally.\n\n4. Data Security\n\nWe use industry-standard safeguards to protect information, including:\n\nEncryption (SSL/TLS) for all data transmitted.\nRestricted access to voluntary information.\nSecure servers with monitoring and protection against unauthorized access.\nRegular reviews of our privacy and security practices.\n\nWhile no system can be guaranteed completely secure, we are committed to protecting your information.\n\n5. Your Rights and Choices\n\nStay Anonymous – Use SmartCalc.ai calculators without providing any personal information.\nOpt Out of Sharing – If you no longer want your information shared with affiliates or partners, you may request removal at any time.\nAccess or Delete – You may request a copy of your personal information or ask us to delete it.\nOpt Out of Offers – If you’ve shared your information and no longer wish to be contacted by partners, you can opt out by contacting us.\n\n6. California & State-Specific Privacy Rights\n\nIf you are a California resident (or reside in a state with similar laws such as Virginia, Colorado, or Connecticut), you may have additional rights:\n\nThe right to know what personal information we collect and how it is used.\nThe right to request deletion of your personal information.\nThe right to opt out of the “sale” or “sharing” of personal information.\n\nWhile SmartCalc.ai does not sell personal information in the traditional sense, we may share your information with affiliates, lenders, or partners so they can provide offers. Under California law, this may be considered a “sale.”\n\n👉 To exercise these rights, please email us at [Insert Contact Email].\n\n7. Cookies & Analytics\nWe may use cookies and analytics tools to understand site traffic and improve performance.\nThese tools collect anonymous usage data only unless you voluntarily provide identifying information.\nYou can disable cookies in your browser settings at any time.\n\n8. Children’s Privacy\n\nSmartCalc.ai is not directed to children under 13, and we do not knowingly collect information from them. If we learn that such data has been collected, it will be deleted promptly.\n\n9. Updates to This Policy\n\nWe may update this Privacy Policy periodically. If significant changes are made, we will revise the “Last Updated” date and post the updated policy on this page.\n\n10. Contact Us\n\nIf you have questions about this Privacy Policy or would like to exercise your rights, please contact us at:\n\nSmartCalc.ai / Appli Inc.\nsupport@hiappli.com\n\n📢 California Privacy Notice at Collection\n\nSmartCalc.ai (operated by Appli [LLC/Inc.]) may collect personal information if you choose to provide it, such as your name, email address, or financial preferences. We may share this information with our affiliates, trusted partners, and lender network to connect you with financial offers.\n\nUnder California law, this sharing may be considered a “sale” of personal information. You have the right to opt out of this sharing at any 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Privacy Policy 9/18/2025 SmartCalc.ai is operated by Appli [LLC/Inc.] (“Appli,” “SmartCalc.ai,” “we,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use SmartCalc.ai. Our goal is to provide accurate, easy-to-use calculators while protecting your privacy. All calculator inputs are anonymous by default. If you choose to provide personal details (for example, to connect with a lender), we may share that information with our affiliates, trusted partners, or lender network to deliver offers. 1. Information We Collect a. Anonymous Calculator Inputs When you use our calculators, the values you enter (such as loan amounts, rates, or savings goals) are processed without linking them to your identity. We may analyze usage in aggregate (e.g., “average loan size entered”) to improve our tools, but this data cannot be traced back to an individual. b. Voluntary Personal Information If you request offers, contact us, or connect with a lender, you may provide personal information such as your name, email address, phone number, estimated credit profile, or financial preferences. This information is voluntarily provided by you. 2. How We Use Information Anonymous Data – Used only to generate calculator results and improve the site experience. Voluntary Data – Used to: Respond to your requests or inquiries. Connect you with affiliates, lenders, or trusted partners. Deliver offers for financial products or services you may be interested in. 3. How We Share Information If you choose to provide personal information, SmartCalc.ai may share it as follows: Affiliates & Partners – With Appli affiliates, lender network participants, and trusted partners who may contact you with offers. Service Providers – With vendors supporting our operations (e.g., hosting, analytics, communications). Legal Requirements – If required by law, regulation, or legal process. 👉 We do not share anonymous calculator inputs in any way that identifies you personally. 4. Data Security We use industry-standard safeguards to protect information, including: Encryption (SSL/TLS) for all data transmitted. Restricted access to voluntary information. Secure servers with monitoring and protection against unauthorized access. Regular reviews of our privacy and security practices. While no system can be guaranteed completely secure, we are committed to protecting your information. 5. Your Rights and Choices Stay Anonymous – Use SmartCalc.ai calculators without providing any personal information. Opt Out of Sharing – If you no longer want your information shared with affiliates or partners, you may request removal at any time. Access or Delete – You may request a copy of your personal information or ask us to delete it. Opt Out of Offers – If you’ve shared your information and no longer wish to be contacted by partners, you can opt out by contacting us. 6. California & State-Specific Privacy Rights If you are a California resident (or reside in a state with similar laws such as Virginia, Colorado, or Connecticut), you may have additional rights: The right to know what personal information we collect and how it is used. The right to request deletion of your personal information. The right to opt out of the “sale” or “sharing” of personal information. While SmartCalc.ai does not sell personal information in the traditional sense, we may share your information with affiliates, lenders, or partners so they can provide offers. Under California law, this may be considered a “sale.” 👉 To exercise these rights, please email us at [Insert Contact Email]. 7. Cookies & Analytics We may use cookies and analytics tools to understand site traffic and improve performance. These tools collect anonymous usage data only unless you voluntarily provide identifying information. You can disable cookies in your browser settings at any time. 8. Children’s Privacy SmartCalc.ai is not directed to children under 13, and we do not knowingly collect information from them. If we learn that such data has been collected, it will be deleted promptly. 9. Updates to This Policy We may update this Privacy Policy periodically. If significant changes are made, we will revise the “Last Updated” date and post the updated policy on this page. 10. Contact Us If you have questions about this Privacy Policy or would like to exercise your rights, please contact us at: SmartCalc.ai / Appli Inc. support@hiappli.com 📢 California Privacy Notice at Collection SmartCalc.ai (operated by Appli [LLC/Inc.]) may collect personal information if you choose to provide it, such as your name, email address, or financial preferences. We may share this information with our affiliates, trusted partners, and lender network to connect you with financial offers. Under California law, this sharing may be considered a “sale” of personal information. 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Privacy Policy\n\n9/18/2025\n\nSmartCalc.ai is operated by Appli [LLC/Inc.] (“Appli,” “SmartCalc.ai,” “we,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use SmartCalc.ai.\n\nOur goal is to provide accurate, easy-to-use calculators while protecting your privacy. All calculator inputs are anonymous by default. If you choose to provide personal details (for example, to connect with a lender), we may share that information with our affiliates, trusted partners, or lender network to deliver offers.\n1. Information We Collect\n\na. Anonymous Calculator Inputs\n\nWhen you use our calculators, the values you enter (such as loan amounts, rates, or savings goals) are processed without linking them to your identity.\nWe may analyze usage in aggregate (e.g., “average loan size entered”) to improve our tools, but this data cannot be traced back to an individual.\n\nb. Voluntary Personal Information\n\nIf you request offers, contact us, or connect with a lender, you may provide personal information such as your name, email address, phone number, estimated credit profile, or financial preferences.\nThis information is voluntarily provided by you.\n\n2. How We Use Information\n\nAnonymous Data – Used only to generate calculator results and improve the site experience.\nVoluntary Data – Used to:\nRespond to your requests or inquiries.\nConnect you with affiliates, lenders, or trusted partners.\nDeliver offers for financial products or services you may be interested in.\n\n3. How We Share Information\n\nIf you choose to provide personal information, SmartCalc.ai may share it as follows:\n\nAffiliates & Partners – With Appli affiliates, lender network participants, and trusted partners who may contact you with offers.\nService Providers – With vendors supporting our operations (e.g., hosting, analytics, communications).\nLegal Requirements – If required by law, regulation, or legal process.\n\n👉 We do not share anonymous calculator inputs in any way that identifies you personally.\n\n4. Data Security\n\nWe use industry-standard safeguards to protect information, including:\n\nEncryption (SSL/TLS) for all data transmitted.\nRestricted access to voluntary information.\nSecure servers with monitoring and protection against unauthorized access.\nRegular reviews of our privacy and security practices.\n\nWhile no system can be guaranteed completely secure, we are committed to protecting your information.\n\n5. Your Rights and Choices\n\nStay Anonymous – Use SmartCalc.ai calculators without providing any personal information.\nOpt Out of Sharing – If you no longer want your information shared with affiliates or partners, you may request removal at any time.\nAccess or Delete – You may request a copy of your personal information or ask us to delete it.\nOpt Out of Offers – If you’ve shared your information and no longer wish to be contacted by partners, you can opt out by contacting us.\n\n6. California & State-Specific Privacy Rights\n\nIf you are a California resident (or reside in a state with similar laws such as Virginia, Colorado, or Connecticut), you may have additional rights:\n\nThe right to know what personal information we collect and how it is used.\nThe right to request deletion of your personal information.\nThe right to opt out of the “sale” or “sharing” of personal information.\n\nWhile SmartCalc.ai does not sell personal information in the traditional sense, we may share your information with affiliates, lenders, or partners so they can provide offers. Under California law, this may be considered a “sale.”\n\n👉 To exercise these rights, please email us at [Insert Contact Email].\n\n7. Cookies & Analytics\nWe may use cookies and analytics tools to understand site traffic and improve performance.\nThese tools collect anonymous usage data only unless you voluntarily provide identifying information.\nYou can disable cookies in your browser settings at any time.\n\n8. Children’s Privacy\n\nSmartCalc.ai is not directed to children under 13, and we do not knowingly collect information from them. If we learn that such data has been collected, it will be deleted promptly.\n\n9. Updates to This Policy\n\nWe may update this Privacy Policy periodically. If significant changes are made, we will revise the “Last Updated” date and post the updated policy on this page.\n\n10. Contact Us\n\nIf you have questions about this Privacy Policy or would like to exercise your rights, please contact us at:\n\nSmartCalc.ai / Appli Inc.\nsupport@hiappli.com\n\n📢 California Privacy Notice at Collection\n\nSmartCalc.ai (operated by Appli [LLC/Inc.]) may collect personal information if you choose to provide it, such as your name, email address, or financial preferences. We may share this information with our affiliates, trusted partners, and lender network to connect you with financial offers.\n\nUnder California law, this sharing may be considered a “sale” of personal information. You have the right to opt out of this sharing at any 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Privacy Policy 9/18/2025 SmartCalc.ai is operated by Appli [LLC/Inc.] (“Appli,” “SmartCalc.ai,” “we,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use SmartCalc.ai. Our goal is to provide accurate, easy-to-use calculators while protecting your privacy. All calculator inputs are anonymous by default. If you choose to provide personal details (for example, to connect with a lender), we may share that information with our affiliates, trusted partners, or lender network to deliver offers. 1. Information We Collect a. Anonymous Calculator Inputs When you use our calculators, the values you enter (such as loan amounts, rates, or savings goals) are processed without linking them to your identity. We may analyze usage in aggregate (e.g., “average loan size entered”) to improve our tools, but this data cannot be traced back to an individual. b. Voluntary Personal Information If you request offers, contact us, or connect with a lender, you may provide personal information such as your name, email address, phone number, estimated credit profile, or financial preferences. This information is voluntarily provided by you. 2. How We Use Information Anonymous Data – Used only to generate calculator results and improve the site experience. Voluntary Data – Used to: Respond to your requests or inquiries. Connect you with affiliates, lenders, or trusted partners. Deliver offers for financial products or services you may be interested in. 3. How We Share Information If you choose to provide personal information, SmartCalc.ai may share it as follows: Affiliates & Partners – With Appli affiliates, lender network participants, and trusted partners who may contact you with offers. Service Providers – With vendors supporting our operations (e.g., hosting, analytics, communications). Legal Requirements – If required by law, regulation, or legal process. 👉 We do not share anonymous calculator inputs in any way that identifies you personally. 4. Data Security We use industry-standard safeguards to protect information, including: Encryption (SSL/TLS) for all data transmitted. Restricted access to voluntary information. Secure servers with monitoring and protection against unauthorized access. Regular reviews of our privacy and security practices. While no system can be guaranteed completely secure, we are committed to protecting your information. 5. Your Rights and Choices Stay Anonymous – Use SmartCalc.ai calculators without providing any personal information. Opt Out of Sharing – If you no longer want your information shared with affiliates or partners, you may request removal at any time. Access or Delete – You may request a copy of your personal information or ask us to delete it. Opt Out of Offers – If you’ve shared your information and no longer wish to be contacted by partners, you can opt out by contacting us. 6. California & State-Specific Privacy Rights If you are a California resident (or reside in a state with similar laws such as Virginia, Colorado, or Connecticut), you may have additional rights: The right to know what personal information we collect and how it is used. The right to request deletion of your personal information. The right to opt out of the “sale” or “sharing” of personal information. While SmartCalc.ai does not sell personal information in the traditional sense, we may share your information with affiliates, lenders, or partners so they can provide offers. Under California law, this may be considered a “sale.” 👉 To exercise these rights, please email us at [Insert Contact Email]. 7. Cookies & Analytics We may use cookies and analytics tools to understand site traffic and improve performance. These tools collect anonymous usage data only unless you voluntarily provide identifying information. You can disable cookies in your browser settings at any time. 8. Children’s Privacy SmartCalc.ai is not directed to children under 13, and we do not knowingly collect information from them. If we learn that such data has been collected, it will be deleted promptly. 9. Updates to This Policy We may update this Privacy Policy periodically. If significant changes are made, we will revise the “Last Updated” date and post the updated policy on this page. 10. Contact Us If you have questions about this Privacy Policy or would like to exercise your rights, please contact us at: SmartCalc.ai / Appli Inc. support@hiappli.com 📢 California Privacy Notice at Collection SmartCalc.ai (operated by Appli [LLC/Inc.]) may collect personal information if you choose to provide it, such as your name, email address, or financial preferences. 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Privacy Policy\n\n9/18/2025\n\nSmartCalc.ai is operated by Appli [LLC/Inc.] (“Appli,” “SmartCalc.ai,” “we,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use SmartCalc.ai.\n\nOur goal is to provide accurate, easy-to-use calculators while protecting your privacy. All calculator inputs are anonymous by default. If you choose to provide personal details (for example, to connect with a lender), we may share that information with our affiliates, trusted partners, or lender network to deliver offers.\n1. Information We Collect\n\na. Anonymous Calculator Inputs\n\nWhen you use our calculators, the values you enter (such as loan amounts, rates, or savings goals) are processed without linking them to your identity.\nWe may analyze usage in aggregate (e.g., “average loan size entered”) to improve our tools, but this data cannot be traced back to an individual.\n\nb. Voluntary Personal Information\n\nIf you request offers, contact us, or connect with a lender, you may provide personal information such as your name, email address, phone number, estimated credit profile, or financial preferences.\nThis information is voluntarily provided by you.\n\n2. How We Use Information\n\nAnonymous Data – Used only to generate calculator results and improve the site experience.\nVoluntary Data – Used to:\nRespond to your requests or inquiries.\nConnect you with affiliates, lenders, or trusted partners.\nDeliver offers for financial products or services you may be interested in.\n\n3. How We Share Information\n\nIf you choose to provide personal information, SmartCalc.ai may share it as follows:\n\nAffiliates & Partners – With Appli affiliates, lender network participants, and trusted partners who may contact you with offers.\nService Providers – With vendors supporting our operations (e.g., hosting, analytics, communications).\nLegal Requirements – If required by law, regulation, or legal process.\n\n👉 We do not share anonymous calculator inputs in any way that identifies you personally.\n\n4. Data Security\n\nWe use industry-standard safeguards to protect information, including:\n\nEncryption (SSL/TLS) for all data transmitted.\nRestricted access to voluntary information.\nSecure servers with monitoring and protection against unauthorized access.\nRegular reviews of our privacy and security practices.\n\nWhile no system can be guaranteed completely secure, we are committed to protecting your information.\n\n5. Your Rights and Choices\n\nStay Anonymous – Use SmartCalc.ai calculators without providing any personal information.\nOpt Out of Sharing – If you no longer want your information shared with affiliates or partners, you may request removal at any time.\nAccess or Delete – You may request a copy of your personal information or ask us to delete it.\nOpt Out of Offers – If you’ve shared your information and no longer wish to be contacted by partners, you can opt out by contacting us.\n\n6. California & State-Specific Privacy Rights\n\nIf you are a California resident (or reside in a state with similar laws such as Virginia, Colorado, or Connecticut), you may have additional rights:\n\nThe right to know what personal information we collect and how it is used.\nThe right to request deletion of your personal information.\nThe right to opt out of the “sale” or “sharing” of personal information.\n\nWhile SmartCalc.ai does not sell personal information in the traditional sense, we may share your information with affiliates, lenders, or partners so they can provide offers. Under California law, this may be considered a “sale.”\n\n👉 To exercise these rights, please email us at [Insert Contact Email].\n\n7. Cookies & Analytics\nWe may use cookies and analytics tools to understand site traffic and improve performance.\nThese tools collect anonymous usage data only unless you voluntarily provide identifying information.\nYou can disable cookies in your browser settings at any time.\n\n8. Children’s Privacy\n\nSmartCalc.ai is not directed to children under 13, and we do not knowingly collect information from them. If we learn that such data has been collected, it will be deleted promptly.\n\n9. Updates to This Policy\n\nWe may update this Privacy Policy periodically. If significant changes are made, we will revise the “Last Updated” date and post the updated policy on this page.\n\n10. Contact Us\n\nIf you have questions about this Privacy Policy or would like to exercise your rights, please contact us at:\n\nSmartCalc.ai / Appli Inc.\nsupport@hiappli.com\n\n📢 California Privacy Notice at Collection\n\nSmartCalc.ai (operated by Appli [LLC/Inc.]) may collect personal information if you choose to provide it, such as your name, email address, or financial preferences. We may share this information with our affiliates, trusted partners, and lender network to connect you with financial offers.\n\nUnder California law, this sharing may be considered a “sale” of personal information. You have the right to opt out of this sharing at any 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