Last updated: [1/29/2026]
This Privacy Policy explains how 4x1000calculadora.com collects, uses, protects, and processes user information when visitors use our website, calculators, and educational financial content.
Our goal is to ensure transparency, legal compliance, and strong user privacy protections, particularly given the financial and tax-related nature of our tools.
By using this website, you agree to the practices described in this policy.
1. Who We Are
4x1000calculadora.com is an independent informational platform that provides financial calculators and educational resources related to Colombian taxes, payroll deductions, banking fees, and the GMF (4×1000) tax.
We operate as a private, non-governmental, non-banking, and independent website.
You can learn more about our mission and editorial approach on our About Us page.
2. Our Privacy-First Approach
We follow a minimal-data collection policy, meaning:
- We do not require account registration
- We do not store financial values entered into calculators
- We do not sell personal data
- We collect only limited technical data necessary for site performance, security, and analytics
- We avoid collecting unnecessary personally identifiable information
Our objective is to allow users to calculate financial estimates without exposing sensitive personal or financial details.
3. Information We May Collect
3.1 Personal Information (Only if Voluntarily Provided)
We do not automatically collect personal data.
Personal information may only be collected if a user voluntarily contacts us, such as through the Contact page.
This may include:
- Name (if provided)
- Email address
- Message content
This information is used only to respond to inquiries and is not shared or sold.
3.2 Financial Data Entered into Calculators
Financial or tax values entered into our calculators:
- Are not stored on our servers
- Are not saved or archived
- Are not used for profiling or marketing
- Are processed only to generate calculation results
We recommend not entering highly sensitive personal data (such as ID numbers or bank account numbers) into calculators.
3.3 Technical & Usage Data
We may collect limited technical information such as:
- Anonymous or truncated IP address
- Device type and browser
- Operating system
- Approximate geographic region (country-level)
- Pages visited and time spent on the site
This data helps us:
- Improve website functionality
- Monitor site security
- Understand general usage trends
- Optimize content and calculators
This data is aggregated and not used to personally identify users.
4. Cookies & Tracking Technologies
We use cookies to support:
- Basic website functionality
- Performance analytics (e.g., Google Analytics)
- Advertising display (e.g., Google AdSense)
- User experience optimization
Cookies may include:
- Essential cookies — required for website operation
- Analytics cookies — help measure site performance
- Advertising cookies — support ad delivery & relevance
More details are available in our Cookie Policy.
5. Google AdSense & Advertising
Our website may display ads through Google AdSense.
Google may use cookies or advertising identifiers to:
- Display ads relevant to user interests
- Measure ad performance
- Prevent ad fraud
We do not control Google’s data collection, but we ensure compliance with Google AdSense policies.
Users can manage ad personalization here:
https://adssettings.google.com/
Advertising on our site:
- Does not influence calculator results
- Does not access calculator input values
- Does not affect editorial independence
6. External Services & Providers
We may use third-party services such as:
- Google Analytics (traffic measurement)
- Google AdSense (advertising)
- Hosting providers (site infrastructure)
These providers process data under their own privacy policies and applicable legal obligations.
We share only the minimum data necessary to operate the website.
7. Legal Basis for Data Processing (GDPR)
We process data based on:
- User consent (cookies, optional contact)
- Legitimate interest (security, analytics, performance)
- Legal obligations where applicable
We comply with GDPR principles, including data minimization, transparency, and security.
8. Data Retention
We retain data only as long as necessary:
- Contact messages are stored only for communication purposes
- Technical logs are retained for security and analytics, then deleted or anonymized
- Calculator input values are not stored
9. User Rights (GDPR & Colombia Data Rights)
Users have the right to:
- Request access to their personal data
- Request correction or deletion of their data
- Restrict processing
- Withdraw consent at any time
- File a complaint with a data protection authority
Requests can be submitted through our Contact page.
10. Data Security Measures
We apply technical and organizational safeguards including:
- HTTPS encryption
- Secure server infrastructure
- Restricted access controls
- Regular security updates
- Protection against unauthorized access
We also explain our security practices on our Sources & Methodology page where relevant to data integrity.
11. Children’s Privacy
This website is not intended for children under 13 years old.
We do not knowingly collect personal data from minors.
If such data is discovered, it will be removed promptly.
12. Financial Disclaimer & Responsibility
Because this website provides financial and tax estimations:
- Results are informational only
- Calculations are not legal or financial advice
- Users should verify results with official sources or professionals
You can review legal clarifications in our Disclaimer.
13. Updates to This Privacy Policy
We may update this Privacy Policy to reflect:
- Legal or regulatory changes
- Updates to site features
- Improvements in privacy practices
Any updates will be posted on this page with a revised date.
14. Transparency About Sources
We strive to base financial logic and calculations on official Colombian sources.
Users can review:
15. Contact Regarding Privacy
If you have questions about privacy, data protection, or this policy, contact us here:
👉 Contact
Summary
4x1000calculadora.com is committed to protecting user privacy, minimizing data collection, complying with GDPR principles, and maintaining high transparency — especially given the financial nature of our calculators.
We aim to provide useful financial tools without requiring users to compromise personal or financial privacy.