Privacy Policy & Terms of Use

1. Privacy Policy

1.1 Who We Are (Operator)

Operator: Valentine Web Solutions
Location: United Kingdom
Contact: See Section 8

1.2 Privacy Laws

The Site is intended for users in the United States. While we are based in the UK, we comply with applicable US privacy requirements. For California residents, see Section 1.11 for additional rights under the California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA).

1.3 Information We Collect

We do not collect personal information directly from you. Any data collected is limited to anonymous or aggregated usage statistics via third-party services.

A) Information processed locally (not stored by us)

• Calculator inputs: Salary figures, hours, deductions, and similar entries are processed in your browser to show results. We do not intentionally store these entries on our servers.

B) Automatically collected information (via third parties)

• Device/technical data: Browser type, device type, operating system, approximate location (e.g., city/state), and similar technical signals.
• Usage data: Pages visited, time on site, interactions with calculators and links, mouse movements and clicks (via Microsoft Clarity).
• Identifiers: IP address and cookie/advertising identifiers may be collected by analytics/advertising providers when enabled (pseudonymized where possible).

1.4 How We Collect Information

• Cookies and similar technologies (see Section 2)
• Server logs (basic security and operations logging)
• Third-party services such as Google Analytics, Microsoft Clarity, and Google AdSense (see Section 3)

1.5 Why We Use Information

• Operate the Site: Deliver calculator functionality and maintain site security.
• Analytics: Understand site usage so we can improve calculators and content.
• Advertising: Display ads to support the free service.
• Compliance: Meet legal and operational requirements where applicable.

1.6 Consent

We do not collect personal information that requires explicit consent for most users. For non-essential cookies (analytics and advertising), we use a cookie banner where required or appropriate. You can manage preferences or disable cookies via your browser.

1.7 Sharing and Third Parties

We may share anonymized data with:

• Analytics providers: e.g., Google Analytics and Microsoft Clarity (when enabled).
• Advertising providers: e.g., Google AdSense and their partners (when enabled).
• Service providers: Hosting/CDN or security providers who help run the Site.

We do not sell personal information for monetary consideration. Under California law, sharing data for targeted advertising may be considered a "sale" or "sharing" — see Section 1.11 for opt-out rights.

1.8 International / Cross-Border Processing

We are based in the UK. Some third-party providers (e.g., Google, Microsoft) may process data on servers located in the United States or other countries. Such transfers are governed by appropriate safeguards (e.g., standard contractual clauses or adequacy decisions).

1.9 Retention

• Calculator inputs: Not intentionally stored by us (processed locally in your browser).
• Analytics/advertising data: Retained by the relevant provider based on their policies.
• Server logs: Kept for a limited period for security and operations, then deleted or anonymized.

1.10 Your Privacy Rights (General)

Depending on your location, you may have rights to access, correct, delete, or restrict the processing of personal information. In practice, we do not hold identifiable personal information about you directly.

To make a request or complaint, contact us using Section 8.

1.11 California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Right to Know

You can request to know what personal information we have collected about you, including categories of information, sources, purposes, and third parties with whom we share it.

Right to Delete

You can request deletion of your personal information, subject to certain exceptions.

Right to Opt-Out of Sale/Sharing

We do not sell personal information for money. However, sharing data with advertising partners for targeted ads may qualify as a "sale" or "sharing" under California law. You can opt out using:

• Cookie banner preferences (if available)
• Browser privacy settings
• Google Ad Settings: Manage ad personalization
• Global Privacy Control (GPC) signals from your browser

Right to Correct

You can request correction of inaccurate personal information.

Right to Limit Use of Sensitive Personal Information

We do not collect or use sensitive personal information as defined by the CCPA/CPRA.

Non-Discrimination

We will not discriminate against you for exercising your CCPA/CPRA rights.

How to Exercise Your Rights

Contact us using Section 8. We will respond within the timeframes required by California law (typically 45 days).

1.12 Children

This Site is not directed to children under 13 (or 16 in some states). We do not knowingly collect information from children. If you believe a child has provided information, contact us.

1.13 Changes to This Policy

We may update this page from time to time. The "Last Updated" date shows when changes were last made. Continued use of the Site after updates means you accept the updated terms.

2. Cookie Policy

2.1 What Are Cookies?

Cookies are small text files stored on your device. Similar technologies (like local storage, pixels, and SDKs) may also be used for analytics and advertising.

2.2 Types of Cookies We Use

Essential Cookies (Always Active)

• Purpose: Basic site functionality, security, load balancing, and remembering preferences needed for the Site to work.
• Consent: Not optional because they're required to provide the service.

Analytics Cookies (Optional)

• Example providers: Google Analytics, Microsoft Clarity
• Purpose: Understand traffic and usage patterns (e.g., which pages/calculators are popular, how users interact with the site).
• Examples: _ga, _ga_*, _clck, _clsk (and similar identifiers depending on configuration)
• Consent: Enabled only if you accept analytics cookies in the cookie banner (where used).

Advertising Cookies / Identifiers (Optional)

• Example provider: Google AdSense
• Purpose: Deliver ads, measure ad performance, and (if enabled) show more relevant ads based on interests.
• Consent: Enabled only if you accept advertising cookies in the cookie banner (where used).

2.3 Managing Cookies

A) Cookie Banner (if enabled)

When you visit the Site, you may see a cookie banner allowing you to:

• Accept all cookies
• Reject non-essential cookies
• Customize preferences (analytics vs advertising)

B) Browser Controls

You can control cookies via your browser settings. Disabling some cookies may affect site functionality.

3. Advertising & Analytics

3.1 Google Analytics

If enabled, we use Google Analytics to understand how the Site is used. Google Analytics may collect device, browser, and usage information and set cookies/identifiers on your device.

Analytics opt-out

• Google Analytics Opt-out Browser Add-on: Open tool

3.2 Microsoft Clarity

If enabled, we use Microsoft Clarity to understand user behavior through session recordings and heatmaps. Clarity may collect device information, mouse movements, clicks, scrolling, and pages visited.

Clarity opt-out

You can opt out of Microsoft Clarity by disabling analytics cookies via our cookie banner or browser settings.

Learn more: Microsoft Privacy Statement

3.3 Google AdSense (Ads)

We may display ads via Google AdSense. AdSense and its partners may use cookies/identifiers to measure ad performance and, if enabled, support interest-based (personalized) advertising.

Ad personalization controls

• Google Ad Settings: Manage ad personalization

3.4 Interest-Based Advertising Opt-Out (US)

You can opt out of interest-based advertising from participating companies using industry opt-out tools. This does not block ads — it reduces interest-based targeting.

• Digital Advertising Alliance (DAA): DAA Opt-Out
• Network Advertising Initiative (NAI): NAI Opt-Out

3.5 Do Not Track / Global Privacy Controls

Some browsers offer privacy signals (e.g., "Do Not Track" or "Global Privacy Control"). We recognize Global Privacy Control (GPC) signals for California residents where applicable. You can still manage cookies via the banner (if available) and your browser settings.

4. Terms of Use

4.1 Acceptance of Terms

By accessing and using Salary After Tax US (the "Site"), you agree to be bound by these Terms of Use and all applicable laws. If you do not agree, do not use the Site.

4.2 Description of Service

We provide free online tools and content, including:

• Salary conversions (annual/hourly/weekly/daily)
• Estimates of federal and state income tax take-home pay
• Budgeting and planning calculators

4.3 User Responsibilities

You agree to:

• Use the Site for lawful purposes only
• Provide accurate inputs to get meaningful estimates
• Not misuse, disrupt, or attempt to access the Site's systems
• Not scrape, crawl, or use automated tools excessively without permission

4.4 Intellectual Property

Site content, calculator logic, design, and text are owned by Valentine Web Solutions (or its licensors) and protected by applicable laws. You may not copy, reproduce, or redistribute without permission (except as permitted by law).

4.5 Prohibited Uses

You may not:

• Reverse engineer or attempt to extract source logic from the calculators (beyond what is publicly visible in the browser)
• Use the Site to distribute malware or harmful code
• Impersonate the Site or misrepresent affiliation
• Use the Site in a way that interferes with other users

4.6 Service Availability

We aim for reliable access but do not guarantee uninterrupted availability. We may modify, suspend, or discontinue parts of the Site at any time.

4.7 Changes to Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised "Last Updated" date. Continued use means you accept the updated Terms.

4.8 Termination

We may restrict or suspend access if we believe you are violating these Terms or misusing the Site.

4.9 Governing Law and Disputes

These Terms are governed by the laws of England and Wales (as we are based in the UK). For users in the United States, any disputes may be subject to applicable US federal or state laws where you reside.

4.10 Limitation of Liability

To the fullest extent permitted by law, Valentine Web Solutions is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site. Some jurisdictions do not allow limitations on liability, so these limitations may not apply to you.

5. Links to and from Other Websites

This Site may link to third-party websites. Links are provided for convenience only and do not imply endorsement. If you visit external sites, you do so at your own risk and subject to their terms and privacy practices.

You may link to this Site provided that:

• You do not suggest endorsement or affiliation without written permission
• You do not misrepresent your relationship with the Site
• Your linking site does not contain unlawful or infringing content

6. Financial Disclaimer

6.1 Informational Purpose Only

The Site provides informational tools and general information. You should not rely on calculator results as a substitute for professional advice.

6.2 Accuracy Limitations

Calculations:

• Are based on general rules and assumptions and may not reflect your specific situation
• May not include all deductions, credits, benefits, state-specific rules, or special cases
• May differ from official payroll or tax results
• May become outdated as federal and state rules change

6.3 No Liability

To the fullest extent permitted by law, we are not liable for decisions, losses, damages, penalties, or missed opportunities arising from use of the Site or reliance on results.

6.4 Verify with Official Sources

For official guidance, refer to the Internal Revenue Service (IRS) and your state's tax authority. For important decisions, consult a qualified tax professional, CPA, or financial advisor.

7. Donations

We may accept voluntary donations (e.g., via third-party platforms such as Buy Me a Coffee).

Donations are optional and non-refundable. Payment processing is handled by the third-party platform and we do not store your payment card details on this Site.

8. Contact Information

Privacy / Terms inquiries:
Email: hello@valentinewebsolutions.co.uk

California residents: If you have questions about your CCPA/CPRA rights or wish to exercise them, please contact us at the email above with "California Privacy Request" in the subject line.