Privacy Policy

Effective Date: January 1, 2026

Principal Interest Calculation ("we," "our," or "us") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and financial information when you use our website and services.

1. Information We Collect

We collect information you provide directly, including your name, email address, phone number, mailing address, and financial details necessary to process your service requests. We also automatically collect technical data such as IP addresses, browser types, device identifiers, and usage data through cookies and similar technologies.

2. How We Use Your Information

We use collected information to: process loan applications and insurance requests; deliver investment and financial advisory services; send relevant newsletters and service updates you have subscribed to; respond to inquiries and support requests; comply with legal and regulatory obligations; and improve our website functionality and service offerings.

3. Financial Data Protection

Any financial information you share — including income details, credit information, and account data — is protected using industry-standard encryption protocols (TLS/SSL). We adhere to applicable financial data protection regulations and do not store payment card information beyond what is necessary for transaction processing.

4. Sharing of Information

We do not sell, trade, or rent your personal information to third parties. We may share your information with: licensed financial partners necessary to fulfill service requests; regulatory and government bodies as required by law; and trusted technology vendors who process data on our behalf under strict confidentiality agreements.

5. Cookies and Tracking

Our website uses cookies to enhance your browsing experience, analyze traffic, and personalize content. You may disable cookies through your browser settings; however, this may affect the functionality of certain features. We use analytics tools to understand aggregate visitor behavior — no individual tracking for advertising purposes is performed.

6. Data Retention

We retain personal information for as long as necessary to provide services and comply with legal obligations. Financial records are typically retained for seven years in accordance with standard regulatory requirements. Upon your request, we will delete non-regulatory data within 30 days.

7. Your Rights

You have the right to access, correct, or delete your personal information. You may also opt out of marketing communications at any time. To exercise any of these rights, contact us at info@principalinterestcalculation.info. We will respond to all verified requests within 30 business days.

8. Security Measures

We implement administrative, technical, and physical security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our staff are trained on data handling best practices, and access to client information is restricted on a need-to-know basis.

9. Children's Privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18. If we become aware that a minor has submitted personal information, we will promptly delete it from our records.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our services after any change constitutes your acceptance of the revised policy.

11. Contact

For questions regarding this Privacy Policy, contact us at: info@principalinterestcalculation.info or NY, New York City, 136 Madison Avenue, New York, 10016.

Terms & Conditions

Effective Date: January 1, 2026

Welcome to Principal Interest Calculation. By accessing or using our website and services, you agree to be bound by the following Terms and Conditions. Please read them carefully. If you do not agree, you may not use our services.

1. Acceptance of Terms

By accessing this website, submitting inquiries, or engaging with any of our financial services, you confirm that you are at least 18 years of age, legally capable of entering into agreements, and agree to these Terms in full. These Terms apply to all users, clients, and visitors.

2. Nature of Services

Principal Interest Calculation provides financial advisory, referral, and product facilitation services including loans, insurance, investments, digital payments, home warranty, and debt relief. We act as an intermediary and advisory platform. Final credit, insurance, and investment decisions may be made by licensed third-party providers.

3. Not Financial Advice

Information provided on this website is for general informational and educational purposes only. It does not constitute personalized financial, legal, or investment advice. You should consult a licensed financial advisor before making any financial decision based on information obtained from this website.

4. User Responsibilities

You agree to: provide accurate, complete, and current information in all service requests; not misrepresent your identity or financial circumstances; not use this website for any unlawful purpose; not attempt to gain unauthorized access to our systems; and notify us immediately if you suspect unauthorized use of your account or information.

5. Application and Approval

Submission of a loan, insurance, or any other financial service application does not guarantee approval. All applications are subject to eligibility assessment, credit review, and the terms of the relevant product provider. Principal Interest Calculation reserves the right to decline any application without providing a reason.

6. Fees and Charges

Some services may involve fees, commissions, or third-party charges. All applicable fees will be disclosed to you prior to completion of any transaction. Principal Interest Calculation is not responsible for fees charged by third-party financial institutions or service providers once a referral or application is made.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Principal Interest Calculation or its content licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, Principal Interest Calculation shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website, including financial losses resulting from decisions made based on information obtained here.

9. Third-Party Links

Our website may contain links to third-party websites for informational purposes. We do not endorse, control, or take responsibility for the content, privacy practices, or services of any third-party website. Access to linked sites is at your own risk.

10. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that is harmful to us, other users, or third parties.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New York County, New York.

12. Amendments

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of our services following any amendment constitutes your acceptance of the updated Terms.

13. Contact

For questions about these Terms and Conditions, contact us at: info@principalinterestcalculation.info or NY, New York City, 136 Madison Avenue, New York, 10016.