We collect almost nothing. We sell nothing. We store nothing about you personally. This policy explains exactly what we do — and don't do — with your data.
Welcome to MP2 Savings Calculator (mp2savingscalculator.net). We are committed to protecting your privacy and being fully transparent about how this website operates.
This Privacy Policy describes the types of information we may collect when you visit our website, how we use that information, how it is shared, and the choices you have regarding your data. By using this website, you agree to the practices described in this policy.
✅ The short version: We do not require you to create an account, provide your name, or share any personal financial information to use our calculator. All MP2 calculations are performed locally in your browser and are never transmitted to or stored on our servers.
This site is operated by Mark Santos, an independent Philippine personal finance researcher based in the Philippines. We are not affiliated with, endorsed by, or partnered with Pag-IBIG Fund (HDMF), any bank, or any financial institution.
We collect the minimum amount of information necessary to operate and improve this website. Below is a breakdown of what may be collected and why.
The only situation in which you directly provide us personal information is if you contact us through our Contact page. In that case, we may collect:
This information is used solely to respond to your inquiry and is not shared with any third party for marketing purposes.
Like most websites, when you visit MP2 Savings Calculator, our web server and third-party services (such as Google Analytics and Google AdSense) may automatically collect certain technical information, including:
This technical data helps us understand how visitors use the site so we can improve the user experience. It does not personally identify you by name.
This is important. When you use our MP2 calculator, you may enter financial figures such as your monthly contribution amount, investment horizon, and expected dividend rates.
🔐 None of this financial data is ever sent to our servers. All calculations run entirely within your browser using JavaScript. When you close or refresh the page, the data is gone. We have no technical ability to see what figures you entered.
Specifically, we do not collect, store, or transmit:
We designed the calculator this way deliberately. You should never need to share sensitive financial information with a third-party website to get a basic projection on your savings.
This website uses Google AdSense to display advertisements. Google AdSense is a third-party advertising service provided by Google LLC. These ads help us keep this website free for all users.
⚠️ Important: Google AdSense uses cookies and similar tracking technologies to show you personalized advertisements based on your browsing behavior and interests. This data is collected and processed by Google, not by us.
Google uses cookies (including the DoubleClick cookie) to serve ads based on your prior visits to our website and other websites on the internet. Specifically:
You have full control over personalized advertising. You can opt out of personalized advertising by visiting Google's Ads Settings, or you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.
If you prefer not to have your data used for personalized ads at all, you may also install the Google Analytics Opt-out Browser Add-on.
For more information on how Google collects and uses your data in connection with AdSense, please review Google's Privacy Policy and How Google uses data when you use our partners' sites or apps.
📋 No advertiser influence on content: Advertisers displaying ads through Google AdSense have no influence over our editorial content, our calculator formulas, our dividend rate data, or any other information on this website. Our content remains fully independent.
We use Google Analytics to understand how visitors interact with our website. This helps us identify which calculator tools are most useful, which pages need improvement, and how people discover our content.
Cookies are small text files stored on your device by your web browser when you visit a website. They help websites remember information about your visit, such as your preferred language and other settings. Cookies cannot run programs or deliver viruses to your computer.
| Cookie Type | Provider | Purpose | Duration |
|---|---|---|---|
| Analytics Cookies | Google Analytics | Track page views, session duration, user behavior, and traffic sources to improve site performance | Up to 2 years |
| Advertising Cookies | Google AdSense / DoubleClick | Show relevant ads based on your browsing interests and measure ad performance | Up to 2 years |
| Functional Cookies | This Website | Remember your calculator settings or preferences within a session (e.g., selected tab) | Session only |
| Strictly Necessary | This Website / WordPress | Essential for the website to function correctly. Cannot be disabled. | Session / 1 year |
Most web browsers allow you to control cookies through their settings. You can set your browser to refuse cookies, delete existing cookies, or warn you before a cookie is stored. Please be aware that disabling certain cookies may affect the functionality of this and other websites you visit.
For guidance on managing cookies in your browser, visit: www.allaboutcookies.org.
We have enabled IP anonymization in Google Analytics. This means Google truncates your IP address before it is stored, so it cannot be used to identify you directly. No full IP addresses are stored in our analytics data.
In addition to Google AdSense and Google Analytics, our website may use or link to the following third-party services:
Our website contains links to external websites, including the official Pag-IBIG Fund website (pagibigfund.gov.ph), Philippine news outlets, and government references. Once you click on these links and leave our site, we have no control over those websites and their privacy practices. We encourage you to read the privacy policy of any external site you visit.
✅ We do not sell, rent, trade, or otherwise transfer your personal information to any outside parties — not to financial institutions, insurance companies, brokers, or any other third party — for any commercial purpose. Ever.
Depending on your location, you may have certain rights regarding personal data we may hold about you. Since we collect minimal data, most of these rights may not apply — but we want you to be fully informed.
Request a copy of any personal data we hold about you (e.g., if you contacted us via email).
Ask us to correct any inaccurate personal information we may have on file.
Request that we delete any personal data we hold about you, subject to legal obligations.
Opt out of personalized advertising via Google's ad settings at any time.
Receive a copy of your data in a portable, machine-readable format where applicable.
Object to our processing of your data in certain circumstances, including for direct marketing.
To exercise any of these rights, please contact us using the details in Section 11. We will respond within 30 days.
For users in the European Economic Area (EEA), you may also have rights under the General Data Protection Regulation (GDPR). For users in California (USA), you may have rights under the California Consumer Privacy Act (CCPA). We honor these rights regardless of your location.
This website is intended for general audiences and is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13.
If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately using the details in Section 11. We will promptly delete any such information from our records.
Our calculator content discusses personal finance topics (savings, dividends, retirement planning) that are generally relevant to adults aged 18 and above who are eligible for Pag-IBIG Fund membership.
We take reasonable precautions to protect the information we do collect. These measures include:
⚠️ Please note: No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect any personal data you share with us, we cannot guarantee absolute security. If you become aware of any security concern related to this site, please contact us immediately.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make changes, we will:
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of this website after any changes to this policy constitutes your acceptance of the revised terms.
The current version of this Privacy Policy is always available at: mp2savingscalculator.net/privacy-policy/
Questions, concerns, or requests about your data? We respond to all privacy-related inquiries within 30 days.
If you have any questions about this Privacy Policy, wish to exercise your data rights, or have concerns about how your information is handled, please reach out using the details below.
Your privacy stays intact. No login, no email, no data stored. Just an honest, free tool built for Filipinos and OFWs.