Privacy Policy

1. Introduction

This Privacy Policy explains how SkillGuidely (“we”, “us”, or “our”) collects, uses, and protects information when you visit skillguidely.com. SkillGuidely is a free hub of finance calculators, including paycheck, overtime, tax, loan, and salary tools. The website is operated by its founder, Syed Osama.

By using our website, you agree to the practices described here. If you do not agree, please do not use the site. This policy should be read together with our Terms & Conditions, Cookie Policy, and Disclaimer.

2. Information we collect

Information you give us

If you email us or contact us through social media, we receive your name, email address, and anything else you choose to include in your message. We use it only to reply to you and to improve our website.

Information collected automatically

When you visit, our servers and tools may record technical data such as your IP address, browser type and version, device type, operating system, pages viewed, time spent on pages, the website that referred you, and your approximate location (city or country level). This data is collected through server logs and cookies.

Numbers you enter into our calculators

Our calculators work in your browser. The values you type in, such as a salary, hourly wage, or hours worked, are used on your device to show your result. We do not ask you to create an account, and we do not intentionally collect or store your calculator inputs on our servers. Please do not enter sensitive identifiers such as Social Security numbers or bank details into any tool on our site.

3. How we use your information

• To run, maintain, and secure the website and its calculators.
• To understand which pages and tools are most useful, so we can improve them.
• To reply to your messages, corrections, and requests.
• To show advertising that helps keep our tools free.
• To detect and prevent fraud, abuse, and technical problems.
• To meet our legal obligations.

We do not sell your name or email address, and we do not use your information to make decisions that have legal effects on you.

4. Cookies and similar technologies

We and our partners use cookies, pixels, and similar technologies to make the website work, measure traffic, and show ads. You can accept, reject, or change your choices at any time using the consent banner or the “Manage consent” option on our site. Our Cookie Policy lists the types of cookies we use and how to control them.

5. Advertising and Google AdSense

We may show ads on our website, including ads served by Google AdSense and other advertising partners. These partners may use cookies and similar technologies to show ads that are relevant to you.

• Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and other sites on the internet.
• You can opt out of personalized advertising by visiting Google Ads Settings. You can also opt out of some third-party vendors’ use of cookies for personalized advertising at aboutads.info.
• You can learn how Google uses information from sites that use its services at policies.google.com/technologies/partner-sites.
• Where required by law, such as in the European Economic Area, the United Kingdom, and Switzerland, we ask for your consent before using cookies for personalized ads.

Advertisers and ad networks have their own privacy policies, and we do not control how they use cookies. Ads on our site never change the results of our calculators.

6. Analytics

We may use analytics tools, such as Google Analytics, to learn how visitors use our website. These tools collect information such as pages visited, device type, and approximate location, and they usually do this with cookies. We use the results in aggregate to improve our content and tools. Where required, analytics cookies are used only with your consent.

7. Third-party links and services

Our pages may link to other websites, such as government tax agencies or social media platforms. We are not responsible for the privacy practices or content of those sites. Please read their privacy policies before sharing any information.

8. Your rights under GDPR and UK GDPR

If you are in the European Economic Area or the United Kingdom, you have the right to:

• Access the personal data we hold about you.
• Ask us to correct inaccurate data or delete your data.
• Ask us to restrict or stop processing your data, or object to it.
• Ask for a copy of your data in a portable format.
• Withdraw your consent at any time, without affecting earlier processing.
• Complain to your local data protection authority.

Our legal bases for processing are your consent (for non-essential cookies and ads), our legitimate interests in running and improving the website, and compliance with legal obligations. To use any of these rights, email contact@skillguidely.com.

9. US state privacy rights

Residents of California and some other US states have rights over their personal information, including the right to know what we collect, to request deletion or correction, and to opt out of the sale or sharing of personal information. We do not sell personal information in exchange for money. However, some advertising and analytics cookies may count as a “sale” or “sharing” under certain state laws. You can opt out through our cookie banner, through your browser’s privacy settings, or by visiting Google Ads Settings. We do not discriminate against anyone for using these rights. To make a request, email contact@skillguidely.com.

10. Data retention

We keep personal information only for as long as we need it for the purposes in this policy. Emails you send us are kept for as long as needed to answer you and to keep a record of corrections or legal requests. Analytics and advertising data is kept for the periods set by the providers and in line with your cookie choices.

11. Data security

We use reasonable technical and organizational measures to protect our website and the information we hold, including secure connections (HTTPS). No method of transmission over the internet is completely secure, so we cannot guarantee absolute security.

12. Children’s privacy

Our website is for a general audience and is not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has sent us personal information, contact us and we will delete it.

13. International data transfers

Our website and service providers may process data in countries other than your own, including the United States. When we transfer data, we rely on the safeguards offered by our providers, such as standard contractual clauses, where the law requires them.

14. Changes to this policy

We may update this policy from time to time. When we do, we will change the “Last updated” date at the top of this page. Significant changes may also be announced on our website. Please check this page now and then.

15. Contact us

Questions about this policy or your data? Email us at contact@skillguidely.com or visit our Contact page. You can also learn more about who we are on our About page.