Last Updated: 29 September 2025
Welcome to Universal Penalty Calculator ("we," "our," or "us"). We operate the website penalty-calculator.com (the "Service").
This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
We collect several different types of information for various purposes to provide and improve our Service to you.
Calculation Data: When you use our penalty calculator, we temporarily process the numerical values you input (principal amount, penalty rates, interest rates, etc.) solely for the purpose of performing calculations. This data is processed locally in your browser and is not stored on our servers.
Universal Penalty Calculator uses the collected data for the following purposes:
Your information, including any calculation data, is processed locally in your web browser and is not transmitted to or stored on our servers. The only data that may be transmitted is anonymous usage statistics for service improvement.
We do not sell, trade, or otherwise transfer your personal data to third parties. We may disclose anonymous, aggregated statistical information about the use of our Service.
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.
We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
We may use third-party Service Providers, such as Google AdSense, to show advertisements to you to help support and maintain our Service.
Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "last updated" date at the top of this Privacy Policy.
Under South Africa's Protection of Personal Information Act (POPI Act), you have certain rights regarding your personal information:
If you have any questions about this Privacy Policy, please contact us: