Privacy Policy for Calqy

Last Updated: October 26, 2025

Introduction

Welcome to Calqy ("we," "us," or "our"). Calqy is an AI-powered Alternative Minimum Tax (AMT) calculator application designed to help users calculate and understand their tax obligations. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our web application located at https://calqy.ai (the "Service").

By creating an account and using our Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Service.

Information We Collect

Personal Information You Provide

When you create an account and use Calqy, we collect the following types of information that you directly provide:

Financial Information:

Income data
Stock option information (grants, exercises, sales, and related data)
Restricted Stock Unit (RSU) data
Employee Stock Purchase Plan (ESPP) information
Tax deductions
Marital status for tax purposes
State and local residency information

Account Information:

Name
Email address
Account credentials (username and password)

Tax Document Processing:

We may temporarily process tax forms that you upload to facilitate data entry
These documents are automatically deleted from our systems immediately after processing is complete
We do NOT collect or store Social Security Numbers (SSN) or Taxpayer Identification Numbers (TIN)

Information Collected Automatically

When you access our Service, we automatically collect certain information about your device and usage:

Usage Data:

Pages visited within the Service
Features used
Time and date of access
Time spent on pages
Interaction with Service features

Device and Technical Information:

IP address
Browser type and version
Device type
Operating system
Screen resolution
Language preferences
Time zone

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information:

Session Cookies: To maintain your logged-in state
Preference Cookies: To remember your settings and preferences
Analytics Cookies: To understand how you use our Service
Performance Cookies: To improve Service functionality

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some features of our Service.

How We Use Your Information

We use the information we collect for the following purposes:

Service Provision

To calculate your Alternative Minimum Tax obligations
To provide personalized tax calculations based on your financial situation
To save your financial data for future calculations and reference
To maintain and improve the accuracy of our tax calculations

Account Management

To create and manage your user account
To authenticate your identity when you log in
To communicate with you about your account

Service Improvement

To analyze usage patterns and improve our Service
To develop new features and functionality
To train and improve our AI models (using anonymized and aggregated data)
To fix bugs and technical issues

Communication

To send you Service-related notices and updates
To respond to your questions and support requests
To send you marketing communications (with your consent, where required)

Legal and Security

To comply with legal obligations
To protect our rights and property
To prevent fraud and maintain Service security
To enforce our Terms of Service

Information Sharing and Disclosure

We share your information in the following circumstances:

Third-Party Service Providers

We share your information with third-party vendors who perform services on our behalf:

AI and Machine Learning Providers: To power our tax calculation algorithms and improve Service accuracy
Analytics Providers: To analyze Service usage and performance
Cloud Infrastructure Providers: To host our Service and store data
Customer Support Tools: To provide customer service

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

Aggregated and Anonymized Data

We may share aggregated and anonymized information that cannot reasonably be used to identify you for research, marketing, or other business purposes.

Business Transfers

If we are involved in a merger, acquisition, asset sale, or bankruptcy, your information may be transferred as part of that transaction. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, including:

Court orders or subpoenas
Government requests
Law enforcement requirements

With Your Consent

We may share your information for other purposes with your explicit consent.

Important Note: We do NOT sell, rent, or trade your personal financial information to third parties for their marketing purposes.

Data Security

We implement appropriate technical and organizational security measures to protect your information:

Encryption: All data transmitted to and from our database is encrypted using industry-standard protocols
Access Controls: Limited access to personal information based on employee roles and responsibilities
Secure Infrastructure: Cloud servers with security certifications
Regular Security Audits: Periodic reviews of our security practices

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Data Retention

Financial Data: We retain your financial information indefinitely as long as your account remains active, or as needed to provide you Services
Account Data: Retained as long as your account is active
Analytics Data: Retained indefinitely for Service improvement purposes
Deleted Accounts: When you delete your account, we will delete your personal financial information within 30 days, except where retention is required by law

Your Rights and Choices

Access and Portability

You have the right to access the personal information we hold about you and request a copy of your data in a structured, commonly used format.

Correction

You can update or correct your financial information at any time through your account settings.

Deletion

You can request deletion of your financial data at any time through your account settings or by contacting us. Please note:

We will delete your personal financial information upon request
Analytics and tracking data will be retained in anonymized form
Some information may be retained as required by law or for legitimate business purposes

Account Closure

You may close your account at any time, which will result in the deletion of your financial data as described above.

Marketing Communications

You can opt out of marketing emails by clicking the "unsubscribe" link in any marketing email or by updating your communication preferences in your account settings.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know

You have the right to request information about:

The categories of personal information we collect
The sources of personal information
Our purposes for collecting personal information
The categories of third parties with whom we share information

Right to Delete

You have the right to request deletion of your personal information, subject to certain exceptions.

Right to Opt-Out

You have the right to opt out of the sale of personal information. We do not sell your personal information.

Right to Non-Discrimination

We will not discriminate against you for exercising your privacy rights.

To exercise these rights, please contact us using the information in the Contact section below. We may need to verify your identity before processing your request.

Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

Posting the new Privacy Policy on this page
Updating the "Last Updated" date at the top of this Privacy Policy
Sending you an email notification for material changes

Your continued use of our Service after any changes indicates your acceptance of the updated Privacy Policy.

International Users

Calqy is designed for use by individuals who pay taxes in the United States. If you are accessing our Service from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

Do Not Track Signals

Our Service does not currently respond to Do Not Track (DNT) browser signals or similar mechanisms.

Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Calqy Email: privacy@calqy.ai
Phone: (929) 949-5014

For California residents, you may also contact us to exercise your rights under the CCPA using the contact information above.

Additional Disclosures

Data Processing for Service Improvement

We use anonymized and aggregated user data to improve our AI models and Service accuracy. This processing:

Cannot be traced back to individual users
Helps improve tax calculation accuracy for all users
Is essential for maintaining Service quality

Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Data Breach Notification

In the event of a data breach that compromises your personal information, we will notify you in accordance with applicable law and take appropriate steps to mitigate harm.

By using Calqy, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.