Privacy Policy

1. Introduction

Calculator Malaysia ("we", "us", or "our") operates the website calculatormalaysia.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our Site.

By using Calculator Malaysia, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of the Site.

2. Information We Collect

2.1 Information You Provide

Our calculators run entirely in your browser. We do not store, transmit, or record any financial figures you enter into our calculators (salary, loan amounts, insurance premiums, CGPA scores, etc.). All calculations happen locally on your device.

If you contact us via our contact form, we collect your name and email address solely to respond to your enquiry.

2.2 Automatically Collected Information

When you visit our Site, we automatically collect:

• Browser type and version
• Pages visited and time spent on each page
• Referring website or search query
• Device type (desktop, mobile, tablet)
• General geographic location (country/region — not precise location)
• IP address (anonymised for analytics)

This data is collected via Google Analytics 4 and is used solely to understand how visitors use the Site and to improve our calculators and content.

3. Cookies

We use cookies and similar tracking technologies to track activity on our Site. Types of cookies we use:

You can instruct your browser to refuse cookies or alert you when cookies are being sent. However, some parts of the Site may not function properly if cookies are disabled.

4. Google AdSense & Advertising

We use Google AdSense to display advertisements on our Site. Google AdSense uses cookies to serve ads based on your prior visits to our Site and other websites on the internet. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our Site and/or other sites on the internet.

You may opt out of personalised advertising by visiting Google Ads Settings. Alternatively, you can opt out of third-party vendor use of cookies by visiting aboutads.info.

5. Affiliate Links

Some pages on Calculator Malaysia contain affiliate links to third-party products and services (including but not limited to Shopee Insurance, Moomoo, MyASNB, and Setel). If you click on an affiliate link and make a purchase or sign up, we may receive a commission at no extra cost to you.

We only recommend products we believe are relevant and useful to our users. Affiliate relationships do not influence our calculator results or factual content.

6. How We Use Your Information

We use the information we collect to:

• Operate and improve the Site and calculators
• Analyse usage patterns to understand which tools are most useful
• Serve relevant advertisements via Google AdSense
• Respond to enquiries submitted through our contact form
• Comply with legal obligations

We do not sell your personal information to third parties.

7. Data Retention

Analytics data is retained for 14 months in Google Analytics. Contact form submissions are retained only as long as necessary to respond to your enquiry, after which they are deleted.

As noted in Section 2, calculator inputs are never transmitted to our servers and are not retained in any form.

8. Third-Party Links

Our Site contains links to third-party websites (e.g. government portals, banks, insurance providers). We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Calculator Malaysia is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us and we will delete it promptly.

10. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Object to or restrict our processing of your information
• Withdraw consent at any time (where processing is based on consent)

To exercise these rights, contact us at the details below.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically. Continued use of the Site after changes constitutes your acceptance of the revised policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: