Privacy Policy & Disclaimer
Last updated: May 23, 2026
1. Who We Are
Finikit (finikit.com) is an independent financial tools website providing free online calculators and educational content. The site is operated by an individual, not a registered business entity. For questions about this policy, contact us at hello@finikit.com.
2. Information We Collect
No personal information required. All financial calculators on Finikit run locally in your browser. Your financial data — principal amounts, interest rates, investment periods, portfolio allocations — never leaves your device. We do not require registration, login, or any form of personally identifiable information (PII).
When you visit Finikit, the following non-personal information is automatically collected:
- Usage analytics — pages visited, time on page, device type, browser, approximate location (country/city level), and referral sources, collected via Google Analytics (GA4).
- Server logs — IP address, browser type, and request timestamps collected by Vercel, our hosting provider, for operational purposes.
3. Cookies
Finikit uses the following types of cookies:
- Essential cookies — Language preference (stored in localStorage, not a traditional cookie) so the site remembers your chosen language between visits.
- Analytics cookies — Set by Google Analytics (GA4) to track anonymous usage patterns. These help us understand which tools are most useful and where to improve.
- Advertising cookies — When Google AdSense is enabled, Google and its partners use cookies to serve relevant advertisements. See Section 4.
You can control or delete cookies through your browser settings. Disabling essential cookies may affect language preference functionality.
4. Advertising (Google AdSense)
Finikit may display advertisements served by Google AdSense. Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visits to this site and/or other sites on the Internet.
You may opt out of personalized advertising by visiting:
- Google Ads Settings
- www.aboutads.info (for third-party vendor cookies)
For more information on how Google uses data, visit Google's Privacy & Terms.
5. Third-Party Services
We use the following third-party services:
- Google Analytics (GA4) — Anonymous usage analytics. Google Privacy Policy
- Google AdSense — Advertisement delivery (when enabled). Google Ads Policy
- Vercel — Website hosting and content delivery. Vercel Privacy Policy
6. Data Security
All data transmission is encrypted via HTTPS. We do not maintain a database of user information, calculation history, or financial data. Your calculator inputs are processed entirely in your browser and are never sent to our servers.
7. Children's Privacy
Finikit is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal data, please contact us so we can delete it.
8. Your Choices
Since Finikit does not require accounts and does not store your personal data, there is typically no personal information for us to access, correct, or delete. Here is what you can do in practice:
- Analytics opt-out — Install the Google Analytics Opt-out Browser Add-on to stop GA4 from collecting data about your visits.
- Clear cookies — You can clear all cookies and localStorage for this site through your browser settings at any time.
- Ad personalization — Opt out via Google Ads Settings or aboutads.info.
- Email correspondence — If you have emailed us and want your message and email address deleted from our inbox, contact us at hello@finikit.com and we will delete it promptly.
We do not sell, rent, or share personal information — because we don't collect any in the first place.
9. Financial Disclaimer
All calculators, tools, and content on Finikit are provided for educational and informational purposes only. Nothing on this website constitutes financial, investment, legal, or tax advice.
- Results depend on your inputs and assumptions and may not reflect your actual circumstances.
- Past performance and hypothetical projections do not guarantee future results.
- We do not guarantee the accuracy, completeness, or timeliness of any calculation or content.
- Your use of Finikit does not create a fiduciary, advisory, or client relationship.
Before making financial decisions, consult a qualified financial advisor. Review results and verify assumptions before acting on them.
10. Changes to This Policy
We may update this policy from time to time. Changes are effective upon posting to this page with an updated "Last updated" date. Continued use of Finikit after changes constitutes acceptance of the revised policy.
11. Contact
Questions about this policy? Contact us at hello@finikit.com.
隐私政策与免责声明
最后更新：2026年5月23日
1. 关于我们
Finikit（finikit.com）是一个独立的金融工具网站，提供免费的在线计算器和教育内容。本网站由个人运营，非注册企业实体。对本政策有疑问，请联系 hello@finikit.com。
2. 我们收集哪些信息
无需提供任何个人信息。Finikit 上的所有金融计算器都在您的浏览器本地运行。您的财务数据——本金、利率、投资期限、投资组合配置——不会离开您的设备。我们不需要注册、登录，也不收集任何个人身份信息（PII）。
当您访问 Finikit 时，以下非个人信息会被自动收集：
- 使用分析——通过 Google Analytics（GA4）收集访问页面、停留时间、设备类型、浏览器、大致位置（国家/城市级别）和流量来源。
- 服务器日志——由托管服务商 Vercel 收集的 IP 地址、浏览器类型和请求时间戳，用于运维目的。
3. Cookie 说明
Finikit 使用以下类型的 Cookie：
- 必需 Cookie——语言偏好（存储在 localStorage 中，非传统 Cookie），用于记住您的语言选择。
- 分析 Cookie——由 Google Analytics（GA4）设置，追踪匿名使用模式，帮助我们了解哪些工具最受欢迎以及如何改进。
- 广告 Cookie——当 Google AdSense 启用后，Google 及其合作伙伴使用 Cookie 投放相关广告。详见第 4 节。
您可以通过浏览器设置管理或删除 Cookie。禁用必需 Cookie 可能影响语言偏好功能。
4. 广告服务（Google AdSense）
Finikit 可能通过 Google AdSense 展示广告。包括 Google 在内的第三方供应商使用 Cookie 根据用户之前访问本网站或其他网站的记录来投放广告。Google 使用广告 Cookie 使其及其合作伙伴能够根据您访问本网站和/或其他网站的记录投放广告。
您可以通过以下方式退订个性化广告：
- Google 广告设置
- www.aboutads.info（第三方供应商 Cookie 退订）
了解更多关于 Google 如何使用数据，请访问 Google 隐私与条款。
5. 第三方服务
我们使用以下第三方服务：
- Google Analytics（GA4）——匿名使用分析。Google 隐私政策
- Google AdSense——广告投放（启用后）。Google 广告政策
- Vercel——网站托管和内容分发。Vercel 隐私政策
6. 数据安全
所有数据传输均通过 HTTPS 加密。我们不维护用户信息、计算历史或财务数据的数据库。您的计算器输入完全在浏览器中处理，不会发送到我们的服务器。
7. 儿童隐私
Finikit 不面向 13 岁以下儿童。我们不会故意收集 13 岁以下儿童的个人信息。如果您认为有儿童向我们提供了个人数据，请联系我们以便删除。
8. 您的选择
Finikit 不需要注册账号，也不存储您的个人数据，因此通常没有可供访问、更正或删除的个人信息。以下是您实际可以做的：
- 退订分析——安装 Google Analytics 退订浏览器插件，阻止 GA4 收集您的访问数据。
- 清除 Cookie——您可以随时通过浏览器设置清除本网站的所有 Cookie 和 localStorage。
- 个性化广告——通过 Google 广告设置或 aboutads.info 退订。
- 邮件往来——如果您曾给我们发送邮件，希望从我们的收件箱中删除您的邮件和邮箱地址，请联系 hello@finikit.com，我们会立即删除。
我们不出售、出租或分享个人信息——因为我们一开始就不收集。
9. 金融免责声明
Finikit 上的所有计算器、工具和内容仅供教育和信息参考目的。本网站上的任何内容均不构成金融、投资、法律或税务建议。
- 计算结果取决于您的输入和假设，可能无法反映您的实际情况。
- 历史表现和假设性预测不保证未来结果。
- 我们不保证任何计算或内容的准确性、完整性或及时性。
- 您使用 Finikit 不会建立任何信托、咨询或客户关系。
在做出财务决策之前，请咨询合格的财务顾问。基于计算结果采取行动前，请核实结果和假设。
10. 政策变更
我们可能会不定时更新本政策。变更在发布到本页面并更新"最后更新"日期后生效。在变更后继续使用 Finikit 即表示您接受修订后的政策。
11. 联系方式
对本政策有疑问？请联系 hello@finikit.com。