This Privacy Policy explains how DSCRFormulas.com ("we," "us," or "our") collects, uses, and shares information when you visit or use our website and calculators.

Information We Collect

Calculator inputs: The numbers you enter into our DSCR calculator (loan amounts, interest rates, rental income, expenses) are processed entirely in your browser. We do not transmit, store, or have access to these figures.

Automatically collected data: Like most websites, our hosting provider (Netlify) automatically logs standard technical information such as your IP address, browser type, device type, pages visited, and time spent on pages. This information is used in aggregate to understand how the site is used and to improve performance.

Analytics: We use privacy-respecting analytics to understand aggregate traffic patterns. These do not identify you personally. If you decline cookies, analytics cookies are not loaded.

Advertising: We use Google AdSense to serve ads. Google may use cookies and similar technologies to serve ads based on your visit to this site and other sites. You can manage or opt out of personalized advertising through Google Ads Settings.

Contact form: If you email us through our contact page, we receive your email address and message. We use this only to respond to your inquiry and do not add you to any mailing list.

Cookies and Tracking Technologies

We use cookies and similar technologies for the following purposes:

  • Essential cookies: Required for the site to function (e.g., remembering your cookie consent choice).
  • Analytics cookies: We use privacy-respecting analytics to understand aggregate traffic patterns. These do not identify you personally. These are only loaded if you accept cookies.
  • Advertising cookies: Google AdSense may use cookies to serve relevant ads. These are only loaded if you accept cookies. You can manage or opt out through Google Ads Settings.

You can control or delete cookies through your browser settings. Disabling cookies will not affect the calculator's functionality.

Consent and Withdrawal

When you first visit, we show a cookie banner. You can accept or decline non-essential cookies. If you decline, advertising and analytics cookies are not loaded. You can change or withdraw your choice by clearing your browser's local storage for dscrformulas.com and refreshing the page.

Third-Party Advertising

We use third-party advertising companies, including Google AdSense, to serve ads when you visit our website. These companies may use information about your visits to this and other websites (not including your name, address, email address, or telephone number) to provide advertisements about goods and services of interest to you.

  • Google, as a third-party vendor, uses cookies to serve ads on our site.
  • Google's use of the DoubleClick DART cookie enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the Internet.
  • You may opt out of the use of the DART cookie by visiting the Google Ad and Content Network Privacy Policy at https://policies.google.com/technologies/ads.
  • You can also manage personalized advertising preferences through Google's Ads Settings.

How We Use Your Information

We use the information we collect to:

  • Operate, maintain, and improve the website and calculators
  • Understand aggregate usage patterns and site performance
  • Respond to your questions or feedback
  • Display relevant advertising
  • Detect and prevent fraud or abuse

How We Share Your Information

We do not sell, rent, or trade your personal information. We may share information only in these limited circumstances:

  • Service providers: With hosting, analytics, and advertising partners who process data on our behalf under their own privacy policies (e.g., Google).
  • Legal requirements: If required by law, regulation, or valid legal process.
  • Business transfers: In the event of a merger, sale, or acquisition of the site, user information may be transferred as part of that transaction.

Data Retention

Calculator inputs are never stored on our servers. Contact emails are retained only as long as needed to respond to your inquiry. Aggregate analytics data is retained according to our analytics provider's standard retention periods.

Your Rights and Choices

Depending on your location, you may have rights regarding your personal information, including the right to access, correct, or delete data we hold about you. Because we collect minimal personal data, most requests can be handled by contacting us directly. You may also:

Children's Privacy

This website is not directed at children under 13 (or under 16 in the EU), and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact us and we will delete it.

International Users

This site is operated from Australia. If you visit from outside Australia, your information may be transferred to and processed in Australia and other countries where our service providers operate.

Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy, please contact us through our contact page.

Disclaimer: DSCR Formulas provides educational tools and information only. We are not a lender, broker, financial advisor, or tax professional. Always consult qualified professionals before making financial, investment, or tax decisions.