Privacy-first calculators

CredOCalc Advertising Disclosure

Important: CredOCalc is supported by advertising. We participate in the Google AdSense program to serve relevant advertisements.

How Ads Work

CredOCalc uses Google AdSense to display advertisements on our website. AdSense uses cookies to show ads that are relevant to you based on your interests and browsing behavior.

What Information is Used

  • Pages you visit on our website
  • Information you provide through calculator inputs (processed locally, not shared)
  • Device and browser information (IP address, browser type, operating system)
  • Cookies and similar tracking technologies

Google's Privacy Policy

Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet. Users may opt out of personalized advertising by visiting Google Ads Settings.

Cookie Consent

When you first visit our website, you will see a cookie consent banner that allows you to:

  • Accept All: Consent to the use of all cookies including advertising cookies for personalized ads
  • Reject Non-Essential: Only essential cookies will be used and ads may be non-personalized

Your choice is stored locally and will be remembered for future visits.

Your Choices

You have several options to control advertising cookies:

  • Use the cookie consent banner on our website
  • Use the Cookie Settings link on the main calculator page
  • Adjust your browser settings to block or delete cookies
  • Opt out of personalized ads via Google Ads Settings
  • Use the NAI opt-out page for other advertising networks

Consent Mode

We honor cookie preferences using consent mode. Analytics and advertising scripts only load after you accept or reject non-essential cookies, and non-personalized ads are requested when you opt out.

ads.txt

We maintain an ads.txt file to declare authorized sellers. After approval, we update it with our Google publisher ID.

Do Not Sell or Share My Personal Information

We do not sell personal information. If you are a California resident, you may opt out of sharing for cross-context behavioral advertising.

To submit a request, email kp@khagen.io with the subject “Do Not Sell or Share.”

Compliance

This website complies with:

  • Google AdSense Program Policies
  • General Data Protection Regulation (GDPR) - for EU visitors
  • California Consumer Privacy Act (CCPA) - for California residents

Contact

For advertising questions or concerns, contact: kp@khagen.io