Privacy Policy
SettleWise ("we", "this site") respects your privacy. This policy explains what information we collect, how it is used, and the rights you have under the GDPR (EU) and CCPA/CPRA (California).
Last updated: January 2026
Information we collect
This site is a purely static tool with no user accounts. All calculations run locally in your browser — the amounts and severity details you enter into the calculator are never transmitted to any server of ours.
Anonymous log data: as with nearly every website, our hosting provider automatically records standard visit information, including truncated IP addresses, browser type, pages viewed, time on page, and referring domain, for security purposes and aggregate traffic statistics.
Cookies & Google AdSense
This site displays advertising served by Google AdSense and other third-party ad providers. Google, as a third-party vendor, uses cookies (including the DoubleClick DART cookie) to serve ads based on your visits to this site and other sites on the internet.
You may opt out of personalized advertising at any time via Google Ads Settings (adssettings.google.com), or disable third-party cookies in your browser settings. You will still see ads after opting out; they will simply be less relevant.
California users (CCPA/CPRA): we do not sell your personal information. Advertising cookies fall under the category of "sharing", which you may decline through the Google settings above or by broadcasting a "Do Not Sell" signal.
GDPR (EU users)
Legal basis: advertising and statistics cookies operate on your consent. Processing of anonymous log data relies on legitimate interest (site security).
Your rights: access, rectification, erasure, restriction of processing, data portability, and the right to withdraw consent at any time. To exercise any of these rights, contact privacy@viclayer.com and we will respond within 30 days.
EU users please note: our servers are located in the United States, and your data will be transferred there. We rely on our hosting provider's Standard Contractual Clauses (SCCs) to protect transfers.
Your rights & contacting us
Wherever you are located, you may email privacy@viclayer.com to: request access to, correction of, or deletion of data relating to you; withdraw cookie consent; or ask questions about this policy.
We do not sell your personal information to any third party, and disclose data only when required by law or as necessary to protect the rights of this site.
Changes to this policy
We may update this policy from time to time. When we do, the "Last updated" date on this page will change, and material changes will be announced on this page in advance.