Privacy Policy

Effective Date: October 2026

1. Zero Personal Financial Data Collection

At CentRatio, user data sovereignty is foundational. We operate on a strict Zero-Knowledge Local Architecture. When you input your annual salary, credit card debt, mortgage amount, or retirement nest egg into any of our calculators, those values exist exclusively within your web browser's volatile client memory.

• No financial data is transmitted to external servers.
• No input numbers are stored in remote databases.
• Closing your browser tab completely purges all calculation values.

2. Web Analytics & Cookie Standards

To measure overall website performance and user interface responsiveness, we deploy standard Google Analytics (gtag.js). Analytics data includes anonymized non-personally identifiable metadata such as browser type, referring domain, country of origin, and page dwell time.

3. Advertising Compliance (Google AdSense)

We may serve contextual advertising through Google AdSense to sustain free access to our computational infrastructure. Google uses cookies (such as the DoubleClick cookie) to serve ads based on your visit to this and other websites on the internet. You can opt out of personalized advertising by visiting Google's Ad Settings.

4. Children's Online Privacy Protection (COPPA)

Our website provides adult personal finance modeling tools and is not directed to children under 13 years of age. We do not knowingly collect personal information from minors.