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Privacy Policy

Privacy Policy

**Effective Date: January 06, 2026**

1. Introduction

Welcome to the **DCA Simulator**, a fully client-side web utility for modeling Dollar-Cost Averaging strategies ("we," "us," or "our"). This Privacy Policy explains our **zero-data-collection approach**. Since all calculations occur in your browser using static HTML, CSS, and JavaScript, **we do not collect, store, track, or transmit any personal information**. This policy ensures complete transparency about our privacy-first design.

2. Information We Do Not Collect

The DCA Simulator operates entirely **client-side** with no server interaction:

  • **Personal Identifiable Information (PII)**: No names, emails, phone numbers, or addresses are collected.
  • **Investment Parameters**: Amount, frequency, periods, initial price, and growth rate stay in your browser via URL query strings.
  • **Usage Analytics**: No IP addresses, browser fingerprints, device info, or location tracking.
  • **Simulation Results**: All computations (total units, average cost, final value) happen locally—no data leaves your device.
  • **Behavioral Data**: No cookies, localStorage persistence, or session tracking beyond temporary URL state.

**Your data never touches our servers**—GitHub Pages serves only static assets.

3. How the Tool Functions

Every interaction remains isolated in your browser:

  • **Form Submission**: Parameters encode into URL query strings (e.g., `?amount=100&frequency=weekly`) for stateless navigation.
  • **Calculations**: Single `dcaLogic.js` function processes linear growth math locally.
  • **Interactive Table**: Search, toggle, and CSV export use native browser APIs—no external calls.
  • **Offline Capability**: Works without internet after initial load; all assets cache locally.

Results pages recompute on refresh from URL params—**truly stateless**.

4. No Third-Party Tracking

We use **Bootstrap 5.3 via CDN** solely for styling and components. No analytics, advertising, or tracking services integrate:

  • No Google Analytics, Facebook Pixel, or similar tools.
  • No advertising networks or behavioral profiling.
  • CSV downloads use `Blob` API—pure client-side file generation.

5. Cookies and Storage

The DCA Simulator uses **zero cookies** and **no persistent storage**. Browser sessionStorage may temporarily hold form state, but clears on page close. URL query parameters provide the only "persistence" mechanism, enabling shareable simulation links.

6. Data Security Practices

With no data collection, security risks are minimized. However, we recommend:

  • Use modern browsers with HTTPS Everywhere.
  • Avoid sharing sensitive investment scenarios publicly.
  • Clear browser cache if concerned about temporary data.

**We cannot access device-stored data**—your privacy is architecturally guaranteed.

7. Children's Privacy

This tool targets adult financial planning. We do not knowingly collect data from children under 13. Parents concerned about usage should contact us.

8. International Compliance

Our **no-data approach complies automatically** with GDPR, CCPA, and global privacy laws. Static hosting on GitHub Pages follows platform security standards.

9. Policy Updates

We may revise this policy. Changes appear here with updated effective dates. Continued use constitutes acceptance.

10. Contact Information

Questions? Use GitHub Discussions in the repository or open an issue.

**Your privacy is paramount**. The DCA Simulator proves powerful tools need *zero data collection* for maximum trust.