Privacy Policy
What data lefinance.xyz processes, on what legal basis, and how PIPEDA (Canada), CCPA/CPRA (California), EU GDPR, and the IAB Europe TCF v2.3 apply.
Last updated:
1. Data controller
lefinance.xyz. Privacy correspondence: privacy@lefinance.xyz or via the contact page. Verifiable requests answered within 30 days.
2. What we collect
The amortisation calculator processes no personal data on our servers. Loan figures and any inputs stay in your browser. Verifiable via DevTools → Network.
- Server access logs (IP, user-agent, URL, timestamp, status). 30 days.
- Aggregated analytics (page views, country, device class), opt-in.
- Advertising cookies (Google AdSense / DoubleClick), opt-in.
- Contact-form submissions retained for 12 months.
3. Legal bases
- Legitimate interest (Art. 6(1)(f) GDPR; PIPEDA business-purpose) for security logging.
- Consent for analytics and advertising.
- Contract / pre-contractual measures for contact-form correspondence.
4. Cookies
Three categories detailed in the cookie policy: strictly necessary, analytics (opt-in), advertising (opt-in).
5. Google AdSense, DoubleClick and personalised advertising
With consent, Google may set and read __gads, __gpi, IDE, NID, DSID, and test_cookie; process IP, user-agent and approximate location; build interest-based advertising profiles; and share data with TCF v2.3 vendors you authorise. Google's processing: policies.google.com/privacy and policies.google.com/technologies/ads.
6. TCF v2.3 consent management
We use a TCF v2.3-compliant CMP. No non-essential cookie is set, and no third-party advertising script is loaded, until you grant or refuse consent on a per-purpose, per-vendor basis. Modify via the “Cookie preferences” footer link.
7. International transfers
Some third parties (Google) transfer data to the US. Such transfers rely on Standard Contractual Clauses, the EU–U.S. Data Privacy Framework, and PIPEDA's adequacy framework where applicable.
8. Your rights
Under PIPEDA, GDPR, and CCPA/CPRA you may access, correct, request erasure, restrict processing, port your data, and withdraw consent. Lodge complaints with the Office of the Privacy Commissioner of Canada (OPC), the Information Commissioner (UK), or your supervisory authority.
California residents may opt out of “sale”/“sharing.” We honour the GPC signal.
9. Children
The Service is not directed at children under 16.
10. Changes
Material changes flagged on the home page; the “Last updated” date above always reflects the most recent revision.