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    Privacy Policy

    Last updated: March 23, 2026 · cobracalculator.com

    This Privacy Policy describes how CobraCalculator.com (the "Site") collects, uses, and shares information when you visit cobracalculator.com. We are committed to keeping the calculator usable with minimal personal data. By using the Site, you agree to this Policy.

    1. Information we collect

    Information you provide

    The COBRA calculator is designed to run in your browser using values you enter (such as premium-related figures). We do not require an account to use the tool. If you contact us by email at cobracalculator@gmail.com, we will process the information you send so we can respond.

    Automatically collected information

    Like most websites, our hosting and analytics tools may automatically receive technical data such as your IP address, device type, browser type, general location derived from IP, pages viewed, and referring URLs. This helps us operate and improve the Site.

    2. Cookies and similar technologies

    We and our partners may use cookies, pixels, local storage, and similar technologies for essential site functionality, analytics, and advertising. You can control cookies through your browser settings. Blocking some cookies may affect how certain features work.

    3. Google Analytics

    We use Google Analytics to understand aggregate traffic and usage. Google may collect information as described in Google's privacy policy. You can learn more about how Google uses data at policies.google.com/technologies/partner-sites.

    4. Google AdSense and advertising

    We may use Google AdSense or other advertising services to display ads on the Site. Google and other ad partners may use cookies or similar technologies to show personalized or non-personalized ads based on your visits to this and other sites. You can manage ad personalization through Google Ads Settings and learn more about how Google uses data in Google's Privacy & Terms.

    Our AdSense publisher ID is ca-pub-1362391794000925. Industry disclosures may also appear in our ads.txt file at www.cobracalculator.com/ads.txt.

    Specifically, and as required of sites that display Google advertising:

    • Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites.
    • Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this Site and/or other sites on the internet.
    • You may opt out of personalised advertising by visiting Google Ads Settings.
    • You can opt out of a third-party vendor's use of cookies for personalised advertising at aboutads.info/choices or, in the UK and EEA, at youronlinechoices.eu.
    • You can opt out of Google Analytics measurement using the Google Analytics Opt-out Browser Add-on.

    4a. Visitors in the UK, EEA and Switzerland

    If you are in the UK, the European Economic Area, or Switzerland, we rely on your consent as the legal basis for advertising and analytics cookies, and on our legitimate interest in operating and securing the Site for the strictly necessary technical data described in section 1. Where consent is required, advertising and analytics cookies are not set until you give it, and you may withdraw consent at any time through the consent controls on this Site or by clearing cookies in your browser. You also have the right to request access to, correction of, or deletion of personal data we hold, and to complain to your national data protection authority. Because the calculator itself does not ask for your name, email address, or phone number, in most cases the only data we hold about you is the technical and measurement data described above.

    5. How we use information

    We use information to:

    • Provide, maintain, and improve the Site and calculator;
    • Measure performance and understand how visitors use the Site;
    • Deliver and measure advertising;
    • Protect the security and integrity of the Site;
    • Comply with law and respond to lawful requests.

    6. Sharing of information

    We may share information with service providers who assist us (such as hosting, analytics, and advertising partners), when required by law, or to protect rights and safety. We do not sell your personal information in the traditional sense of selling lists of names and contact details for unrelated marketing. Advertising partners may process data as described in their own policies to serve and measure ads.

    7. Data retention

    We retain information only as long as needed for the purposes above, unless a longer period is required by law. Analytics and ad data may be retained according to our vendors' policies and settings.

    8. Your choices and rights

    Depending on where you live, you may have rights to access, correct, delete, or restrict certain processing of your personal information, or to opt out of certain sales or sharing for targeted advertising (as defined under applicable U.S. state laws). To exercise rights, email us at cobracalculator@gmail.com. We may need to verify your request.

    9. Children

    The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe we have collected such information, please email cobracalculator@gmail.com so we can delete it.

    10. International visitors

    If you access the Site from outside the United States, your information may be processed in the United States or other countries where we or our vendors operate.

    11. Changes

    We may update this Privacy Policy from time to time. We will post the revised Policy on this page and update the "Last updated" date. Continued use after changes means you accept the updated Policy.

    12. Contact

    For privacy-related questions, email us at cobracalculator@gmail.com.

    For our approach to phone numbers and lead-generation practices on the calculator page, see also the in-depth section on the home page.