Privacy Policy

This Privacy Policy explains how 2K Ventures LLC ( "2K Ventures," "we," "us," or "our") collects, uses, discloses, and protects information in connection with the website apysavingscalculator.com (the "Site"). We aim to comply with the EU General Data Protection Regulation (GDPR) where applicable, and the California Consumer Privacy Act / California Privacy Rights Act (CCPA / CPRA) where applicable.

1. Data controller

For purposes of GDPR, the data controller is 2K Ventures LLC, Henderson, NV, United States. Contact: use the contact details provided on our About page (if listed) or the inquiry method we publish there.

2. Information we collect

Depending on how you use the Site, we may collect:

• Usage data (e.g., pages viewed, approximate location derived from IP, device/browser type, timestamps, referral URLs). This is commonly collected via analytics tools and server logs.
• Cookie and similar technologies data (e.g., a cookie consent preference stored locally in your browser via localStorage on the Site).
• Information you submit (e.g., if you submit an email address through a form). Note: some Site forms may be demonstrative while we build backend infrastructure; do not submit sensitive information unless a form explicitly states how it will be processed.
• Affiliate / referral metadata when you click outbound partner links (commonly handled by third-party networks and partner sites, not stored as "your application status" by us unless we integrate a backend for that purpose).

3. Purposes of processing (GDPR lawful bases)

We process information for purposes including:

• Providing the Site (legitimate interests / contract): operating pages, calculators, and navigation.
• Measuring performance and improving content (legitimate interests): understanding aggregated usage and errors.
• Advertising and monetization (consent and/or legitimate interests, depending on jurisdiction and implementation): displaying ads, working with ad partners, and affiliate tracking as described in partner policies.
• Compliance (legal obligation / legitimate interests): fraud prevention, responding to lawful requests, and maintaining required records.

4. Cookies and choices

We may use cookies and similar technologies. Where required, we present a cookie notice and store your choice (for example, in browser localStorage). You can also control cookies through your browser settings. Blocking some cookies may impact Site functionality or measurement accuracy.

5. Sharing with third parties

We may share information with vendors and partners who help us operate the Site, including hosting providers, analytics providers, advertising networks (if enabled), and affiliate partners. These recipients process data under contractual terms and their own privacy policies.

6. International transfers

If you access the Site from outside the United States, your information may be processed in the United States or other countries where privacy laws differ. Where GDPR requires safeguards for transfers from the EEA/ UK, we rely on appropriate mechanisms such as Standard Contractual Clauses where applicable, in addition to vendor safeguards.

7. Retention

We retain information for as long as necessary for the purposes above, unless a longer period is required by law. Aggregated analytics may be retained in a de-identified form.

8. Security

We use reasonable administrative, technical, and organizational measures appropriate to the nature of the Site. No method of transmission or storage is 100% secure.

9. Your GDPR rights

If GDPR applies, you may have rights to access, rectify, erase, restrict processing, object, and data portability, and the right to lodge a complaint with a supervisory authority. To exercise rights, contact us using the method on the About page. We may need to verify your request.

10. California privacy rights (CCPA / CPRA)

If you are a California resident, you may have the right to know, delete, and correct personal information, and to limit use of certain sensitive personal information (if collected). You may also have the right to opt out of "sale" or "sharing" of personal information as defined by California law.

Categories collected (illustrative): identifiers (such as IP address, email if submitted), internet activity, and inferences drawn from usage.

Sale/share: we do not sell personal information for money. We may use advertising or analytics partners that could constitute "sharing" for cross-context behavioral advertising under California law depending on configuration. Where required, we provide opt-out mechanisms (including a "Do Not Sell or Share My Personal Information" link if applicable once ad tech is enabled).

Non-discrimination: we will not discriminate against you for exercising CCPA rights, subject to permitted differences reasonably related to the value of data.

Shine the Light: California residents may request certain information regarding disclosure of personal information to third parties for direct marketing purposes under California Civil Code Section 1798.83, where applicable.

11. Children

The Site is not directed to children under 16, and we do not knowingly collect personal information from children.

12. Changes

We may update this policy from time to time. We will post the updated version on this page and update the effective date.

This policy is informational and not legal advice. For product terms, see our Terms of Service.