Privacy Policy

1. Introduction

HealthPlanCalc operates the website healthplancalc.com. This Privacy Policy explains how we handle information in connection with your use of our site. By using HealthPlanCalc you agree to the practices described in this policy.

2. Information We Do Not Collect

All estimator calculations run entirely within your web browser on your own device. Nothing you enter into our tool is ever sent to our servers or any third party through our estimator. No account creation is required to use our site.

3. Information Automatically Collected

When you visit our site our web server automatically records standard information including:

• Your IP address
• Browser type and version
• Referring website address
• Pages visited on our site
• Date and time of your visit

This information is used only for aggregate traffic analysis and site maintenance. It is not linked to any personally identifiable information.

4. Google AdSense and Cookies

We use Google AdSense to display third-party advertisements on our site. Google AdSense is an advertising service provided by Google LLC. Google may use cookies and similar tracking technologies to serve ads based on your prior visits to our site and other sites on the internet. These cookies allow Google and its partners to serve ads based on your inferred interests and browsing history.

You may opt out of personalized advertising or manage your cookie preferences using the links below:

• Opt out of personalized ads: google.com/settings/ads
• Opt out of third-party cookies: networkadvertising.org/managing/opt_out.asp
• Google Privacy Policy: policies.google.com/privacy
• Google Terms of Service: policies.google.com/terms

5. Google Analytics

We may use Google Analytics to collect anonymized data about site traffic including page views, session duration, device type, and general geographic location. This data is aggregated and anonymized — no personally identifiable information is collected through Google Analytics.

You may opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on available at: tools.google.com/dlpage/gaoptout

6. Health Information Notice

HealthPlanCalc is not a HIPAA covered entity and is not subject to HIPAA regulations. However we take your privacy seriously.

7. Third Party Links

Our site contains links to external websites including Healthcare.gov and other government and informational resources. We are not responsible for the privacy practices or content of any external sites. We encourage you to review the privacy policies of any external sites you visit.

8. Children's Privacy

HealthPlanCalc is not directed to individuals under the age of 13. We do not knowingly collect any personal information from children under 13. If you believe a child under 13 has provided personal information through our site please contact us and we will take steps to delete such information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The effective date at the top of this page will reflect the most recent update. Your continued use of our site after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

For questions or concerns about this Privacy Policy please contact us at: info@freeonlinecalcs.com

10. Copyright Notice

All content on this website — including but not limited to text, graphics, layout, design, code, calculators, tools, and written materials — is the exclusive property of HealthPlanCalc and is protected by United States and international copyright law.

Unauthorized duplication or distribution of any content from this site, in whole or in part, is strictly prohibited and may result in civil and criminal penalties under applicable law. This prohibition applies to all media formats, including but not limited to print, digital, electronic, and online reproduction.

Limited excerpts may be used for non-commercial, educational, or informational purposes provided that clear attribution is given to HealthPlanCalc and a link to healthplancalc.com is included. Any other use requires explicit written authorization.