Privacy Policy

Future Moola ("we", "us", or "our") operates the website futuremoola.com (the "Site"). This Privacy Policy explains how we collect, use, and protect information when you visit our Site. By using Future Moola, you agree to the practices described in this policy.

Our financial calculators run entirely within your browser. We do not collect, store, or transmit any of the financial figures you enter into our tools — those numbers never leave your device.

1. Information We Collect

Information You Provide

If you contact us via our Contact page or by email, we receive your name, email address, and the content of your message. We use this information solely to respond to your enquiry and do not add you to any mailing list without your explicit consent.

Information Collected Automatically

When you visit the Site, certain information is collected automatically by our analytics service and by third-party advertising partners. This may include:

• Pages visited, time on page, and navigation path
• Browser type, operating system, and device type
• Internet Protocol (IP) address (anonymised where possible)
• Referring website or search query
• General geographic location (country or region level only)

2. Cookies and Tracking Technologies

Cookies are small text files placed on your device by websites you visit. We and our third-party partners use cookies and similar tracking technologies for the purposes described below.

Essential Cookies

These cookies are necessary for the Site to function correctly. They do not collect personal information and cannot be disabled without affecting site functionality.

Analytics Cookies

We use an analytics service to understand how visitors interact with the Site in aggregate. Analytics cookies collect anonymous data about page views, session duration, and traffic sources. This data is used solely to improve the Site's content and usability.

Advertising Cookies (Google AdSense)

We use Google AdSense to display advertisements on the Site. Google AdSense uses the DoubleClick cookie and other tracking technologies to serve ads that are relevant to your interests based on your prior visits to this and other websites.

You may opt out of personalised advertising by visiting Google Ads Settings or aboutads.info. You can also opt out via networkadvertising.org.

You can manage or disable cookies at any time through your browser settings. Note that disabling cookies may affect the relevance of advertisements shown to you.

3. Google AdSense and Third-Party Advertising

Future Moola participates in the Google AdSense programme. Google, as a third-party vendor, uses cookies to serve ads on our Site. Google's use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Site and/or other sites on the Internet.

We have implemented the following Google advertising features on this Site:

• Remarketing with Google AdSense
• Google Display Network Impression Reporting
• Interest-based advertising

For more information on how Google collects and uses data when you use our Site, please visit Google's Privacy Policy and Google's Advertising Principles.

4. How We Use Your Information

We use the information we collect to:

• Operate and improve the Site and its content
• Respond to enquiries and support requests
• Analyse site usage in aggregate to understand user behaviour
• Display relevant advertisements through Google AdSense
• Comply with applicable legal obligations

We do not sell, trade, or otherwise transfer your personally identifiable information to third parties, except to trusted service providers who assist us in operating the Site under confidentiality obligations.

5. Data Retention

We retain contact form submissions for as long as necessary to respond to your enquiry, typically no longer than 12 months. Anonymised analytics data may be retained for up to 26 months. You may request deletion of any personal data we hold about you at any time by contacting us at [email protected].

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal data:

• Right of access — You may request a copy of the personal data we hold about you.
• Right to rectification — You may ask us to correct inaccurate personal data.
• Right to erasure — You may ask us to delete your personal data ("right to be forgotten").
• Right to object — You may object to our processing of your personal data for direct marketing purposes.
• California residents (CCPA) — You have the right to opt out of the sale of personal information. We do not sell personal information.

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

7. Children's Privacy

Future Moola is intended for general audiences aged 13 and over. We do not knowingly collect personal information from children under the age of 13. If you believe a child under 13 has provided us with personal information, please contact us immediately and we will take steps to delete such information.

8. Data Security

We implement appropriate technical and organisational measures to protect any personal information we hold against unauthorised access, alteration, disclosure, or destruction. Our financial calculators process all data locally in your browser — your financial figures never leave your device and are never transmitted to our servers.

While we take reasonable precautions, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Links to Other Websites

Our Site may contain links to third-party websites. These links are provided for your convenience and do not signify our endorsement of those sites. We have no control over the content or privacy practices of those sites and accept no responsibility for them. We encourage you to review the privacy policy of any third-party site you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: