accruedinterest.com

Privacy policy

How we handle your data.

This Privacy Policy describes how accruedinterest.com handles information in connection with the use of its bond calculator tools, including accrued interest calculators, day count convention tools, bond yield calculators, and duration calculators.

accruedinterest.com is operated from Switzerland. By accessing or using this site, you acknowledge and accept this Privacy Policy.

Scope of this policy

This policy applies to accruedinterest.com and explains:

  • what the site itself does and does not collect
  • what third-party providers may process when the site is delivered, measured, monetized, or linked to external services
  • the limited role of the site operator in relation to third-party services

This policy does not override the privacy policies or terms of third-party providers. For data collected by third-party services, please refer to their respective privacy policies.

How the site operates

The calculation tools on accruedinterest.com are designed to run locally in the user's browser. As a general matter, bond calculation inputs and outputs are not sent by the calculators to the operator for server-side processing.

The site does not currently provide:

  • user accounts
  • registration
  • login functionality
  • user-generated content areas
  • contact forms
  • newsletter signups
  • direct submission fields for calculation data

If additional features are introduced later, the site and this Privacy Policy may be updated accordingly.

Data we do not intentionally collect

We do not intentionally request or collect the following directly through the site itself:

  • names
  • email addresses
  • phone numbers
  • postal addresses
  • payment details
  • bond calculation inputs
  • bond calculation results
  • uploaded files
  • account credentials
  • investment portfolio data

We do not use the site's own cookies for behavioral tracking, and we do not sell, rent, or trade personal data.

However, when you visit the site, technical data may still be processed automatically by third-party hosting, analytics, advertising, or affiliate providers as part of delivering web content over the internet.

Hosting and infrastructure

We use Vercel to host and serve the site. As a result, Vercel may process standard technical request data necessary to deliver the website and maintain infrastructure, which may include:

  • IP address
  • browser and user agent information
  • device type
  • referring URL
  • requested pages or assets
  • timestamps
  • network and diagnostic information

The site may be delivered through Vercel's edge network or related infrastructure, which may route or process requests through multiple geographic locations.

We do not control the internal operation of Vercel's infrastructure, logging systems, retention periods, or geographic routing. Any such processing is governed by Vercel's own documentation and privacy terms.

Vercel Privacy Policy: https://vercel.com/legal/privacy-policy

Analytics

We may use Vercel Web Analytics or similar privacy-focused analytics tools.

If used, such analytics may collect or derive limited usage information such as:

  • page views
  • referrers
  • browser type
  • operating system
  • device type
  • country-level or coarse geolocation inferred from IP

Vercel Web Analytics is described as cookieless. We do not use analytics for our own cross-site profiling or advertising purposes.

Analytics data, where enabled, is processed by the relevant provider and not necessarily stored or controlled directly by the operator of accruedinterest.com.

Vercel Analytics documentation: https://vercel.com/docs/analytics/privacy-policy

Advertising networks

We may display advertisements provided by third-party advertising networks, including Google AdSense or similar services.

Those providers may use cookies, web beacons, and similar technologies to serve, measure, and personalize advertisements. Depending on the provider and configuration, they may collect or process:

  • IP address
  • browser type
  • device identifiers
  • pages visited
  • ad impressions
  • interactions with ads
  • coarse location
  • prior visits to this or other websites

Google's use of advertising cookies is governed by Google's own privacy and advertising policies. Users may opt out of personalized advertising through Google Ads Settings or the Network Advertising Initiative opt-out page.

We do not control what data advertising partners collect, how they combine it with other data, how long they retain it, or how they use it. To the extent permitted by applicable law, the operator disclaims responsibility for the data practices of third-party services.

Affiliate links and programs

We may include affiliate links to third-party products and services. When you click an affiliate link and make a purchase, we may earn a commission at no additional cost to you.

Affiliate partners may use cookies or similar tracking technologies to attribute referrals. These technologies are set and managed by the affiliate partner, not by accruedinterest.com.

We generally do not receive personal data about individual users from affiliate partners. We may receive limited reporting, such as:

  • aggregate clicks
  • conversions
  • commission totals
  • general campaign performance information

Affiliate partners may include, but are not limited to:

  • online brokers
  • book retailers
  • financial education platforms

Affiliate relationships are disclosed in accordance with applicable regulations.

Cookies and similar technologies

The site does not use cookies for its own tracking purposes.

The following categories may apply:

  • Essential/local preference storage: used to remember preferences such as theme selection, often stored locally in the browser
  • Analytics: Vercel Web Analytics is intended to be cookieless
  • Advertising cookies: may be set by third-party advertising networks such as Google AdSense
  • Affiliate cookies: may be set by third-party affiliate partners after you click an affiliate link

You can manage, block, or delete cookies through your browser settings.

Blocking advertising or affiliate cookies may affect ad personalization or referral tracking, but it should not affect the core calculator functionality of the site.

Data processed by third parties

Certain third-party services embedded in, linked from, or used by the site may independently collect and process data under their own terms.

These services may include:

  • Vercel
  • Vercel Analytics
  • Google
  • Google AdSense
  • affiliate platforms and merchants

The operator does not control, supervise, or guarantee the privacy, security, or legal compliance of third-party services. To the extent permitted by applicable law, the operator disclaims responsibility for the data practices of third-party services.

Users should review third-party policies directly:

International data transfers

The site may be delivered through Vercel's global infrastructure. As a result, technical request data may be processed in multiple countries.

If you access the site from the EU or EEA, data related to hosting, delivery, analytics, advertising, or embedded third-party services may be transferred to and processed in the United States or other jurisdictions that may not provide the same level of data protection as your home country.

The operator is based in Switzerland. Swiss data protection law, including the Federal Act on Data Protection (FADP/DSG), may apply to the operator's activities where relevant. Third-party providers apply their own transfer mechanisms and safeguards under their own legal frameworks and documentation.

Children's privacy

This site is not directed to children under 16, or under 13 where a lower age threshold applies under local law.

We do not knowingly collect personal information directly from children. If you believe a child has provided personal information through a feature later added to the site, please contact us.

Your rights

Depending on your jurisdiction, you may have rights under applicable law, including rights to:

  • access
  • correction
  • deletion
  • objection
  • restriction
  • data portability

Because the site does not intentionally collect most personal data directly, these rights will often be relevant primarily in relation to third-party providers such as Vercel, Google, advertising networks, or affiliate partners.

If your request relates to data processed by a third party, you should contact that third party directly.

For privacy-related requests concerning this site, contact: info@geld.ch

Data retention

We do not intentionally retain bond calculation inputs or calculation outputs, because the calculators are designed to run locally in the browser.

We also do not maintain user accounts or user-submitted databases through the current version of the site.

Third-party providers may retain technical or usage data according to their own retention practices, policies, and legal obligations. We do not control those retention periods.

Security

The site is served over HTTPS/TLS. The calculators are designed so that inputs remain on the user's device rather than being submitted for server-side calculation by the operator.

That said, no website, network, or transmission method is completely secure. We do not guarantee that access to the site will be uninterrupted, error-free, or immune from unauthorized access, interception, or misuse.

You use the site at your own risk.

Changes to this policy

We reserve the right to modify this policy at any time without prior notice.

Any changes may be posted on this page with an updated "Last updated" date. Continued use of the site after any change constitutes acceptance of the revised policy.

We are under no obligation to provide individual notice of changes.

Contact

Privacy contact: info@geld.ch
Operator address: Jonas Kropf, Apfelhausenweg 16, 5000 Aarau, Switzerland

Governing law and jurisdiction

This Privacy Policy is governed by the laws of Switzerland.

Any dispute arising out of or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of Aarau, Switzerland.

Last updated: April 2026