Privacy Policy

Last updated: September 30, 2026

NorthLedger Tools ("we", "our") operates the website at northledger-tools.pages.dev, a set of free Canadian personal-finance calculators. This policy explains what information is collected when you use the site.

Information we collect

Our calculators run entirely in your browser. We do not collect, store, or transmit any of the numbers you enter — your mortgage details, contribution amounts, and projections never leave your device.

We do not require accounts, sign-ups, or email addresses to use the calculators.

Cookies and advertising

We use Google AdSense to display ads that keep these calculators free. Google and its partners may use cookies to serve ads based on your prior visits to this and other websites.

• Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the Internet.
• You may opt out of personalized advertising by visiting Google Ads Settings.
• Learn more about how Google uses data at Google's partner-sites policy.

Third-party links

Our site links to third-party services, including our Gumroad store and Substack newsletter. Those services have their own privacy policies; we are not responsible for their practices.

Analytics

We may use privacy-friendly, aggregate traffic measurement to understand which calculators are popular. This data is not linked to individual users.

Children

This site is intended for a general adult audience and is not directed at children under 13.

Changes to this policy

We may update this policy from time to time. The "last updated" date above reflects the most recent revision.

Contact

Questions about this policy: virshaw22@gmail.com.