Privacy Policy

1. Introduction

This Privacy Policy explains how BNB Calc LLC ("BNB Calc," "we," "us," or "our") collects, uses, discloses, and protects your personal information when you use our website at www.bnbcalc.com (the "Site") and related services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Services.

Contact Us:
BNB Calc LLC
610 Garrison Cove Lane
Tampa, FL 33602
United States
Email: [email protected]

2. Information We Collect

2.1 Information You Provide

• Account Information: When you create an account, we collect your name, email address, and phone number through our authentication provider, Clerk.
• Property Information: Property addresses and details you enter when using our analysis tools.
• Profile Information: If you choose to upload additional information such as work information, photos, or profile images.
• Payment Information: Payment details are processed and stored by our payment processor, Stripe. We do not store your full credit card information or billing address - we only retain Stripe customer IDs and transaction identifiers.
• Communications: Information you provide when you contact customer support, participate in surveys, or communicate with us.

2.2 Information We Collect Automatically

• Device and Browser Information: IP address, browser type and version, operating system, device identifiers, and hardware specifications.
• Browser Fingerprinting: We use canvas fingerprinting and other browser fingerprinting techniques that analyze information about your browser, operating system, and installed graphics hardware for fraud prevention and security purposes.
• Usage Data: Pages visited, time spent on pages, links clicked, search queries, and other interactions with our Services.
• Location Information: General geographic location based on your IP address.
• Session Recordings: We use PostHog to record user sessions for analytics and product improvement. Sensitive pages (such as payment and account settings pages) are excluded from recording.
• Advertising Identifiers: Meta (Facebook) Pixel and TikTok Pixel collect advertising identifiers and track your activity on our Site.

2.3 Information from Third Parties

We may receive information about you from third parties, including affiliate partners, advertising networks, and data providers that help us understand our audience and improve our Services.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide and Improve Services: To operate, maintain, and improve our Services, including property analysis and reporting features.
• Process Transactions: To process payments, send receipts, and manage subscriptions.
• Targeted Advertising and Retargeting: To deliver personalized advertisements to you on Facebook, Instagram, TikTok, and other platforms based on your activity on our Site and other websites.
• Analytics: To analyze how users interact with our Services and improve user experience.
• Marketing Communications: To send you promotional emails, newsletters, and updates about our Services (with your consent where required).
• Customer Support: To respond to your requests, questions, and feedback, including phone calls for onboarding and support.
• Fraud Prevention and Security: To detect, prevent, and address fraud, security issues, and technical problems.
• Legal Compliance: To comply with legal obligations and enforce our Terms of Service.
• Affiliate Tracking: To track referrals and calculate commissions for our affiliate program.

4. Third-Party Services & Data Sharing

4.1 Advertising & Retargeting Partners

The following advertising partners track your activity on our Site:

• Meta (Facebook) Pixel: Tracks your visits and actions on our Site to show you relevant ads on Facebook and Instagram. Meta may combine this data with information from other websites you visit.
• TikTok Pixel: Tracks your activity to deliver personalized ads on TikTok and measure advertising effectiveness.
• Google Tag Manager: Manages multiple tracking tags and may share data with Google's advertising network.

These partners use cookies, pixels, and similar technologies to track you across websites for advertising purposes. California residents can opt out by visiting our Do Not Sell My Personal Information page. You can also adjust your browser settings or use the opt-out tools provided by these companies.

4.2 Payment Processing

We use Stripe for payment processing. Stripe collects identifiers, personal information (name, email, billing address), and commercial information (transaction details) when you make a purchase. We do not store your credit card information - this is securely stored by Stripe. We only retain Stripe customer IDs to manage your subscription.

Stripe uses this information to complete transactions, prevent fraud, and provide analytics related to payment processing. You can learn more about how Stripe handles your data at https://stripe.com/privacy.

4.3 Authentication & Analytics

• Clerk: Provides authentication services (login, account management). Clerk processes your email, phone number, and authentication credentials.
• PostHog: Provides analytics and session recording services. PostHog records user interactions on our Site (excluding sensitive pages like payment forms). You can opt out of PostHog tracking at https://posthog.com/privacy.
• Google Analytics: Analyzes website traffic and user behavior to help us improve our Services.

4.4 Affiliate Marketing Partners

• First Promoter: Tracks referrals from affiliate partners and calculates commissions. When you sign up through an affiliate link, we share your email or phone number with the referring affiliate.

California residents: You can opt out of this data sharing by using our Do Not Sell My Personal Information page.

4.5 Other Service Providers

• Churnkey: Helps us manage subscription cancellations and improve customer retention.
• Steadily: Provides insurance quote services when you request property insurance information.

4.6 Legal and Safety

We may disclose your information if required by law or to:

• Comply with legal processes, court orders, or government requests
• Enforce our Terms of Service and other agreements
• Protect the rights, property, or safety of BNB Calc, our users, or others
• Detect, prevent, or address fraud, security, or technical issues

5. Cookies and Tracking Technologies

We and our partners use cookies, pixels, web beacons, browser fingerprinting, and similar technologies to track your activity on our Site and across other websites.

5.1 Types of Tracking Technologies

• Essential Cookies: Required for site functionality, including authentication, session management, and security features. These cannot be disabled.
• Analytics Cookies: PostHog and Google Analytics cookies help us understand how users interact with our Site, which pages are most popular, and how we can improve the user experience.
• Advertising Cookies: Meta Pixel, TikTok Pixel, and Google Tag Manager place cookies to track your activity for retargeting and ad measurement purposes.
• Browser Fingerprinting: We use canvas fingerprinting and other techniques to create a unique identifier based on your browser, operating system, and hardware configuration for fraud detection and account security.

5.2 Managing Cookies

For EU/UK visitors: Please note that some tracking technologies are currently deployed automatically upon your first visit. We are working to implement consent mechanisms to comply with GDPR requirements.

You can manage your cookie preferences through your browser settings. Most browsers allow you to:

• View and delete cookies
• Block third-party cookies
• Block all cookies (note: this may affect site functionality)
• Clear cookies when you close your browser

For more information about cookies and how to manage them, see our Cookie Policy.

Do Not Track Signals: We do not currently respond to Do Not Track (DNT) browser signals. However, you can manage cookies through your browser settings as described above, and California residents can opt out of the sale/sharing of personal information by visiting our Do Not Sell My Personal Information page.

6. Email Marketing

6.1 For US Residents (CAN-SPAM Compliance)

We may send you marketing emails about new features, promotions, and updates. You can unsubscribe from marketing emails at any time by clicking the "unsubscribe" link at the bottom of any marketing email or by contacting us at [email protected].

Please note that you cannot opt out of transactional emails (such as receipts, password resets, and account security notifications) as these are necessary to provide our Services.

6.2 For Canadian Residents (CASL Compliance)

In compliance with Canada's Anti-Spam Legislation (CASL), we obtain your express consent before sending marketing emails. Your consent is typically obtained when you:

• Create an account and check the box to receive marketing communications
• Make a purchase (implied consent for related product information)
• Explicitly request to receive newsletters or promotional emails

We retain records of when and how we obtained your consent as required by CASL. You may withdraw your consent and unsubscribe at any time using the unsubscribe link in our emails or by contacting [email protected].

7. SMS and Phone Communications

7.1 Transactional SMS Messages

We send transactional SMS messages for essential service operations, including:

• One-time passcodes (OTP) for login authentication
• Password reset verification codes
• Security alerts and account notifications

These messages are necessary to provide and secure our Services. You may opt out of non-essential SMS messages by texting STOP, UNSUBSCRIBE, QUIT, CANCEL, END, or REMOVE to any message. Message and data rates may apply.

7.2 Phone Calls

We may contact you by phone for customer service purposes, including user onboarding, account support, and assistance with our Services. During these calls, we may mention partner products or services that may be relevant to you.

If you prefer not to receive phone calls that mention partner offerings, you may request to opt out by emailing [email protected] with "No Partner Calls" in the subject line.

8. Data Retention and Security

8.1 How Long We Keep Your Data

We retain your personal information for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Account Information: Retained while your account is active and for up to 7 years after account closure for legal and tax purposes.
• Transaction Records: Retained for 7 years to comply with financial recordkeeping requirements.
• Marketing Consent: Retained until you withdraw consent or for up to 3 years after your last interaction with us.
• Analytics Data: Aggregated and anonymized data may be retained indefinitely for research and product improvement.

8.2 Security Measures

We implement reasonable technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction, including:

• Encryption of data in transit using TLS/SSL
• Secure authentication through industry-standard providers
• Regular security assessments and updates
• Limited access to personal information on a need-to-know basis
• Third-party security audits of our infrastructure

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

9. Your Privacy Rights

9.1 California Residents (CCPA/CPRA Rights)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You may request to know what personal information we collect, use, disclose, and sell about you.
• Right to Delete: You may request deletion of your personal information (subject to certain exceptions).
• Right to Opt-Out of Sale/Sharing: You have the right to opt out of the "sale" or "sharing" of your personal information for targeted advertising purposes. Visit our Do Not Sell My Personal Information page to exercise this right.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Limit Use of Sensitive Personal Information: You may request to limit our use of your sensitive personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

Important: We share personal information with advertising partners (Meta, TikTok, Google) and affiliate partners for targeted advertising and commission tracking. This may constitute a "sale" or "sharing" under CCPA. Click here to opt out.

9.2 EU/UK Residents (GDPR Rights)

If you are located in the European Economic Area (EEA) or United Kingdom, you have the following rights under the General Data Protection Regulation (GDPR):

• Right to Access: You may request a copy of the personal information we hold about you.
• Right to Rectification: You may request correction of inaccurate or incomplete personal information.
• Right to Erasure: You may request deletion of your personal information in certain circumstances.
• Right to Restrict Processing: You may request that we limit how we use your personal information.
• Right to Data Portability: You may request to receive your personal information in a structured, machine-readable format.
• Right to Object: You may object to our processing of your personal information for direct marketing or legitimate interests.
• Right to Withdraw Consent: Where we rely on consent, you may withdraw it at any time.

You also have the right to lodge a complaint with your local data protection authority. Contact details for EU/UK data protection authorities:

• EU: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm
• UK: https://ico.org.uk/
• Switzerland: https://www.edoeb.admin.ch/edoeb/en/home.html

9.3 Other US State Residents

Residents of Colorado, Connecticut, Virginia, and Utah have similar privacy rights under their respective state laws, including rights to:

• Confirm whether we process their personal information
• Access and delete certain personal information
• Data portability
• Opt out of personal data processing for targeted advertising and sales

Colorado, Connecticut, and Virginia residents may also correct inaccuracies and opt out of profiling in furtherance of decisions that produce legal or similarly significant effects.

9.4 How to Exercise Your Rights

To exercise any of these rights, please:

• Email us at: [email protected]
• For California "Do Not Sell" requests, use our Do Not Sell page
• Include your full name and the email address associated with your account
• Specify which right(s) you wish to exercise

We will respond to your request within 45 days for US residents or 30 days for EU/UK residents. We may request additional information to verify your identity before processing your request.

10. CCPA Privacy Notice

This section provides additional details for California residents as required by the California Consumer Privacy Act (CCPA).

10.1 Categories of Personal Information

In the preceding 12 months, we have collected and may have disclosed or "sold/shared" the following categories of personal information:

• Identifiers: Name, email address, phone number, IP address, device IDs, browser fingerprints
• Commercial Information: Purchase history, subscription details, property analysis reports
• Internet Activity: Browsing history, search queries, interactions with our Site
• Geolocation Data: General location based on IP address
• Professional Information: Work information you choose to provide
• Inferences: Preferences and characteristics derived from your activity

10.2 Sale and Sharing of Personal Information

Specifically, we may "sell" or "share" the following categories to the following types of third parties:

• Identifiers (email, phone): Shared with affiliate marketing partners
• Identifiers, Internet Activity: Shared with advertising networks (Meta, TikTok, Google)

We do not knowingly sell or share personal information of minors under 16 years of age.

To opt out of the sale or sharing of your personal information, visit: Do Not Sell My Personal Information

10.3 Retention and Business Purpose

We retain personal information as described in Section 8. We use personal information for the business purposes described in Section 3, including providing services, processing transactions, marketing, analytics, and fraud prevention.

11. International Data Transfers

BNB Calc is based in the United States. If you access our Services from outside the United States, please be aware that your personal information will be transferred to, stored, and processed in the United States, where our servers and service providers are located.

The United States may have data protection laws that differ from those in your country. By using our Services, you acknowledge and consent to the transfer of your personal information to the United States.

For EU/UK Visitors: We acknowledge that we are currently implementing technical measures to ensure GDPR compliance, including consent mechanisms for cookies and tracking technologies. We are committed to protecting your data in accordance with applicable data protection laws.

12. Children's Privacy

Our Services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on our Services or through any of its features, register an account, make any purchases, use any interactive features, or provide any information about yourself.

If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [email protected].

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated Privacy Policy on this page with a new "Last updated" date
• Sending an email notification to the email address associated with your account (for material changes)
• Displaying a prominent notice on our Site

Your continued use of our Services after the effective date of the updated Privacy Policy constitutes your acceptance of the changes. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

BNB Calc LLC
610 Garrison Cove Lane
Tampa, FL 33602
United States

Email: [email protected]