01
Introduction & Ethical Stance
BudgetGrids ("BudgetGrids," "we," "our," or "the platform") is dedicated to delivering open, high-precision financial modeling tools structured with the visual dignity and rigor of civic financial reporting.
Traditional online financial calculators frequently monetize user activity by surreptitiously capturing sensitive figuresโsuch as your annual income, retirement nest egg, rental revenues, or loan balancesโand transmitting those data points to third-party ad networks, credit aggregators, or insurance brokers.
BudgetGrids rejects this model in its entirety. We operate under a strict zero-knowledge architecture: your numbers are yours alone. We believe financial modeling should be confidential, calm, and sovereign.
02
Client-Side Computing Architecture
All eight analytical tools across BudgetGrids (including Coast FIRE, CAGR, DRIP, DSCR, Prorate, Pip, EBITDA, and Margin calculators) are programmed in pure client-side JavaScript.
Technical Verification:
When you adjust a slider, toggle an inflation toggle, or type in an asset valuation, the mathematical functions execute directly inside your browser's JavaScript V8/SpiderMonkey runtime engine. No asynchronous fetch(), XMLHttpRequest, or WebSocket payloads carrying your input values are ever dispatched to any server.
You can verify this at any time by opening your browser's Developer Tools (F12) → Network Tab: interacting with any calculator generates zero outgoing network requests.
03
URL Parameters & Shareable Scenario State
BudgetGrids offers a "Share This Report" feature that copies a stateful URL to your clipboard. This allows you to bookmark specific calculation scenarios or share them with colleagues, accountants, or financial advisors.
These parameters (such as ?bal=250000&ret=8.5) exist exclusively in the client's browser location bar. Our web servers serve static assets and do not extract, analyze, correlate, or persist individual query strings for tracking or behavioral advertising purposes.
04
Cookies & Local Storage Usage
BudgetGrids uses modern web standards cleanly and minimally:
- Tracking Cookies: None. We do not issue HTTP cookies for advertising, user tracking, or fingerprinting.
- Browser LocalStorage: We store a single non-identifying preference key (
bg_currency) to remember your chosen currency (e.g. USD, EUR, GBP, CAD) across page loads. This value remains entirely on your machine. - Third-Party Analytics: We do not deploy invasive third-party tracking scripts, session recording software, or heatmap trackers.
05
Server Hosting & Infrastructure Telemetry
When your web browser requests our static HTML, CSS, JavaScript, and SVG assets, the edge infrastructure hosting BudgetGrids records standard, non-identifying technical HTTP connection logs.
These automated logs typically include your device's masked IP address, browser user-agent, referring URL, and the timestamp of the request. This telemetry is retained temporarily and used strictly for distributed denial-of-service (DDoS) mitigation, performance optimization, and network security compliance.
06
GDPR, UK-GDPR & CCPA/CPRA Compliance
BudgetGrids complies with the European Union General Data Protection Regulation (GDPR), the UK Data Protection Act, and the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA).
Right to Know / Access
Because we do not collect personal data, we hold no user profiles or financial histories.
Right to Opt-Out of Sale
We do not sell, rent, or trade consumer personal information to any third party.
07
Children's Privacy (COPPA)
BudgetGrids is a general-audience educational and computational financial utility. We do not knowingly solicit or collect personal information from individuals under the age of 13, adhering strictly to the Children's Online Privacy Protection Act (COPPA).
08
Policy Updates & Contact Details
We may periodically revise this Privacy Policy to reflect enhancements in technology or regulatory frameworks. Any modifications will be posted directly to this page with an updated timestamp.
For inquiries regarding our zero-tracking architecture or privacy safeguards, contact our privacy desk directly at:
Organization: BudgetGrids Analytical Team