Privacy Policy
This Privacy Policy explains how Spend Down Calculator ("we," "us," or "our") collects, uses, and shares information when you visit https://spenddowncalculator.com (the "Site"). By using the Site, you agree to the practices described here.
1. Who we are
Spend Down Calculator publishes free Medicaid spend-down calculators, educational guides, and blog articles for families planning long-term care. We are based in the United States. For privacy questions, contact us at [email protected].
2. Information we collect
Information you provide
Our calculators run in your browser. We do not require an account. If you email us, we receive your email address and message content. We do not ask for Social Security numbers, Medicaid case numbers, or full financial account details through the Site.
Automatically collected information
When you visit the Site, we and our service providers may automatically collect:
- IP address, browser type, device type, and operating system
- Pages viewed, links clicked, referring URL, and approximate location (city or region)
- Date, time, and duration of visits
- Cookie identifiers and similar technologies (see our Cookie Policy)
3. How we use information
We use collected information to:
- Operate, maintain, and improve the Site and calculators
- Measure traffic, performance, and content engagement
- Display advertisements through Google AdSense and similar partners
- Respond to corrections, feedback, and support requests
- Protect against fraud, abuse, and security incidents
- Comply with legal obligations
4. Advertising and Google AdSense
We may use Google AdSense and other advertising partners to serve ads on the Site. Third party vendors, including Google, use cookies and similar technologies to serve ads based on your prior visits to this Site and other websites on the Internet.
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and other sites on the Internet. You may opt out of personalized advertising by visiting Google Ads Settings. You may also opt out of third-party vendor use of cookies for personalized advertising by visiting aboutads.info or networkadvertising.org.
For more information on how Google uses data when you use our partners' sites or apps, see How Google uses information from sites or apps that use our services.
5. Analytics
We may use analytics services (such as Google Analytics or similar tools) to understand how visitors use the Site. These services may set cookies and collect usage data as described in our Cookie Policy.
6. How we share information
We may share information with:
- Advertising partners (including Google) to deliver and measure ads
- Analytics and hosting providers that help us operate the Site
- Professional advisors when required by law or to protect our rights
- Law enforcement or regulators when required by applicable law
We do not sell your personal information for money. Advertising partners may use data as described above.
7. Cookies and similar technologies
We use cookies, local storage, and similar technologies for essential site functions, analytics, and advertising. See our Cookie Policy for details and choices.
8. Data retention
We retain information only as long as needed for the purposes described in this policy, unless a longer retention period is required by law. Calculator inputs entered in your browser are not stored on our servers unless you voluntarily submit them to us by email.
9. Your rights and choices
Depending on where you live, you may have rights to:
- Access, correct, or delete personal information we hold about you
- Opt out of certain analytics or advertising cookies through browser settings
- Request information about how we use your data
California residents may have additional rights under the CCPA/CPRA. Contact [email protected] to exercise these rights. We will not discriminate against you for exercising privacy rights.
10. Children's privacy
The Site is intended for adults planning long-term care or helping family members. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it.
11. International visitors
The Site is operated from the United States. If you access the Site from outside the U.S., your information may be transferred to and processed in the United States, where privacy laws may differ from your country.
12. Security
We use reasonable administrative, technical, and organizational measures to protect information. No website or transmission is completely secure. Use the Site at your own risk.
13. Changes to this policy
We may update this Privacy Policy from time to time. We will post the revised version on this page and update the "Last updated" date. Continued use of the Site after changes means you accept the updated policy.
14. Contact us
Questions about this Privacy Policy? Email [email protected] or visit our contact page.