Privacy Policy

Effective Date: October 6, 2026

1. Absolute Financial Data Confidentiality

The HSA Excess Contribution Penalty Calculator executes 100% locally within your web browser. None of your financial figures, HSA contribution totals, employer benefits data, or account balances are transmitted to, processed by, or saved on our servers.

2. No Personal Identifiable Information (PII)

We never ask for your Social Security Number (SSN), taxpayer identification, bank account credentials, or insurance policy details. All mathematical calculations run in pure client-side JavaScript.

3. Third-Party Advertising & Cookies

This site may partner with third-party advertising services such as Google AdSense. Google uses cookies, including the DoubleClick DART cookie, to serve ads to users based on their visits to this and other websites. You may manage or opt out of personalized ad targeting by visiting Google Ads Settings.

4. GDPR & CCPA Compliance

Because we collect, store, and process zero user data, we are inherently compliant with the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

5. Contact

For privacy questions or data inquiries, reach out via our Contact Page.