AI analysis data practices

The short version

When you click "Analyze with AI" on a calculator, CalcFi sends your calculator inputs to Groq (our inference provider) to generate a personalized interpretation. We keep an anonymized aggregate record of the request for research and trend-reporting — never a record that can be traced back to you.

What we collect (per analysis)

• Calculator slug (e.g. mortgage-payment) — which tool you ran.
• Scalar inputs — the numbers you typed (loan amount, rate, term, etc.). No free-text fields.
• Hash of inputs— so we can cache identical requests and reduce API cost. The hash is one-way (sha-256); we can't reconstruct your numbers from it.
• Country + device bucket— country code (e.g. "US") and a coarse category ("mobile"/"desktop"/"tablet") for trend analytics. Never your IP address.
• Cache tier + latency — technical metrics so we can keep the feature fast.

What we don't collect

• Your name, email, phone, address, or any free-text input.
• Your IP address.
• A persistent user ID that ties your analyses together across visits.
• Any identifier from your browser, device, or account.
• Data about which websites you visited before or after CalcFi.

How we use the aggregates

Because the records are anonymized, we use them for population-level research only:

• Which calculators are most run (to decide which to improve).
• Trend posts (e.g. "Most-analyzed mortgage scenarios in Q2") — published as roundups, never tied to individuals.
• Cache hit-rate monitoring to keep the free tier sustainable.
• Quality debugging — if many users hit an edge case, we investigate the calc, not any specific user.

What Groq sees

Groq is the inference provider that runs the language model. They receive the analysis prompt + your inputs at request time. Per Groq's data policy (groq.com/privacy-policy), Groq does not train on API inputs and does not retain them beyond what's required to serve the response.

Shareable snapshots

If you choose to create a public share link ("Share" button after the analysis completes), that specific analysis — including your inputs — becomes publicly readable at a /insight/{hash} URL. This is explicit opt-in via the share button. No one else receives the URL unless you send it. Snapshots expire automatically; you control the share action.

Opt out

If you'd rather not use the AI feature at all, simply don't click the "Analyze with AI" button. Every calculator works fully without it — the math runs entirely in your browser and sends nothing anywhere.

Legal basis (GDPR)

Under the GDPR, truly anonymized data (data that cannot be linked back to a natural person) falls outside the scope of personal data. Our aggregates have no identifiers that could re-link to you. For the portion of the flow where Groq processes your inputs to produce the result, the legal basis is the performance of the service you actively requested by clicking the Analyze button.

Changes to this page

If we change what we collect, we'll update the "Last updated" date above and surface the change in the Analyze modal before your next run.