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    Privacy Policy

    Last Updated:

    We're committed to protecting your privacy and being transparent about how we collect, use, and protect your information.

    Data Security

    Calculator inputs are processed locally, not stored on servers

    Transparency

    Clear information about what data we collect and how we use it

    Minimal Collection

    We only collect data necessary to provide our services

    This privacy policy applies to our website and calculators.

    Information We Collect and How We Use It

    Calculator Usage Data

    When you use our calculators, we may collect anonymous usage statistics to understand which tools are most helpful. This includes general usage patterns but not your specific financial inputs.

    Contact Information

    If you contact us through our contact form or email, we collect your name, email address, and message content to respond to your inquiry.

    Technical Information

    We automatically collect certain technical information including your IP address, browser type, operating system, and pages visited to maintain and improve our website.

    Data Collection Practices

    We follow privacy-by-design principles and collect only what is necessary to provide our services, improve our calculators, and comply with legal obligations. Calculator inputs are processed locally in your browser and are not stored on our servers. Detailed practices are described in the sections below.

    Cookie Usage and Tracking

    We use cookies and similar technologies for analytics and essential site functionality. You can manage your preferences via the Cookie Settings link in our footer. See our Cookie Policy for full details.

    Contact Us for Privacy Inquiries

    For privacy-related questions, requests to access or delete your data, or to exercise your rights, contact us at: info@yallacalculators.online

    Privacy-by-Design: Local Browser Processing

    Privacy-by-Design is a central theme of our privacy policy. YallaCalculators.online processes financial data locally in your browser, not on our servers. This fundamental design principle ensures maximum privacy protection for your sensitive financial information.

    How Local Processing Works

    When you use our calculators (mortgage affordability, property fees, gratuity, school fees, visa costs, etc.), all calculations are performed entirely within your web browser using JavaScript. Your financial inputs—including salary amounts, property values, loan amounts, and other personal financial data—are:

    • Processed locally: All calculations happen in your browser using client-side code
    • Never transmitted: Your financial inputs are not sent to our servers or third-party services
    • Not stored: We do not store your calculator inputs, results, or financial data on our servers
    • Immediately discarded: When you close the calculator or navigate away, the data is cleared from browser memory

    This Privacy-by-Design approach means that even if you use our calculators without accepting cookies or providing any personal information, the calculators will function fully and your financial data remains private. Calculator inputs are processed client-side, and any analytics data (if collected with your consent) is anonymized and separate from calculator functionality.

    What we do collect: We may collect anonymized usage statistics (e.g., which calculators are used most frequently) and technical information (IP address, browser type) for website analytics and improvement, but this is completely separate from your financial calculator inputs. See "Information We Collect and How We Use It" above for details.

    How We Use Your Information

    Service Provision

    To provide our financial calculators and ensure they work correctly across different devices and browsers.

    Communication

    To respond to your inquiries, provide customer support, and send important updates about our services.

    Improvement

    To analyze usage patterns and improve our calculators' accuracy, user experience, and functionality.

    Legal Compliance

    To comply with applicable laws, regulations, and legal processes in the UAE.

    Global Privacy Control (GPC) & Restricted Data Processing

    YallaCalculators respects Global Privacy Control (GPC) signals and implements Restricted Data Processing (RDP) mode for users in applicable jurisdictions including Delaware, Oregon, and other regions with enhanced privacy requirements.

    How GPC Works on Our Site

    • When your browser sends a GPC signal, our site automatically enters privacy-enhanced mode
    • Non-essential cookies and analytics are disabled
    • Calculator functionality remains fully operational as all processing is local

    Privacy-by-Design Architecture

    All financial calculators on YallaCalculators perform computations locally in your browser using JavaScript. This means:

    • Your input data (salary, property price, school fees, etc.) never leaves your device
    • No financial information is transmitted to our servers
    • No database storage of calculation results
    • Complete data confidentiality guaranteed by design

    Technical Verification: You can verify our privacy claims by opening your browser's Developer Tools (Network tab) while using any calculator. You'll see zero HTTP requests containing your calculation inputs.

    Data Protection & Security

    Calculator Data

    Your financial inputs in our calculators are processed locally in your browser and are not transmitted to or stored on our servers.

    Encryption

    All data transmission is protected using industry-standard SSL encryption to prevent unauthorized access.

    Access Controls

    We maintain strict access controls to ensure only authorized personnel can access any stored information.

    Data Retention

    We retain personal information only as long as necessary to provide our services and comply with legal obligations.

    Third-Party Services

    We use the following third-party services to provide and improve our calculators:

    Google Analytics

    We use Google Analytics to understand how visitors use our website and to improve user experience. Google Analytics collects information such as how often users visit our site, what pages they visit, and what other sites they used prior to coming to our site. We use this information only to improve our website and services.

    Google Analytics uses cookies to collect this information. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

    Learn more about Google Analytics privacy practices: Google Privacy Policy

    Consent Banner (Self-Built)

    We run a self-built consent banner on your first visit. It records your choice for first-party analytics in your browser's local storage. You can change your choice at any time via the "Cookie Settings" link in our footer. We use no third-party consent management platform.

    Email Services

    Email signup, when offered, is processed via a self-built Supabase edge function. We do not use Mailchimp or any other third-party marketing-automation provider for email storage or processing.

    Hosting Services

    Our website is hosted on secure servers to ensure availability and performance. Hosting providers may have access to server logs containing IP addresses and basic usage information.

    These third-party services are bound by their own privacy policies and are required to protect your information in accordance with applicable data protection laws.

    Your Rights

    You have the following rights regarding your personal information:

    • Access: Request access to your personal information we hold
    • Correction: Request correction of inaccurate or incomplete information
    • Deletion: Request deletion of your personal information (subject to legal requirements)
    • Portability: Request a copy of your personal information in a machine-readable format
    • Objection: Object to our processing of your personal information

    To exercise these rights, please contact us at info@yallacalculators.online.

    Global Privacy Control (GPC) and Universal Opt-Out Mechanisms (UOOM)

    We explicitly honor Global Privacy Control (GPC) signals for users in relevant jurisdictions. GPC is a privacy preference signal that allows you to communicate your privacy choices universally across websites. If your browser or privacy extension sends a GPC signal indicating that you do not wish to have your personal information sold or shared, we will respect that signal and:

    • Refrain from selling or sharing your personal information for advertising purposes
    • Limit data collection to what is strictly necessary for website functionality
    • Disable analytics tracking where technically feasible
    • Honor your opt-out preference across all our services and third-party integrations

    We recognize and honor Universal Opt-Out Mechanisms (UOOM) as required by applicable privacy laws in relevant jurisdictions, including but not limited to California (CCPA/CPRA), Colorado, Connecticut, Virginia, and other states with comprehensive privacy laws. If you have enabled a UOOM signal in your browser or privacy settings, we will automatically apply your opt-out preferences without requiring additional action from you.

    To enable GPC, you can use browser extensions or privacy tools that support the Global Privacy Control standard. Many modern browsers and privacy-focused extensions include GPC support. We continuously monitor for GPC and UOOM signals and update our systems to ensure compliance with evolving privacy standards.

    State-Specific Privacy Rights (US Residents)

    While Yalla Calculators primarily serves UAE residents, we recognize that some users may access our site from the United States. If you are a resident of certain US states, you may have additional privacy rights under state law.

    Indiana Privacy Rights

    Under the Indiana Consumer Data Protection Act (effective July 1, 2026), Indiana residents have the right to:

    • Confirm whether we are processing your personal data
    • Access your personal data
    • Correct inaccuracies in your personal data
    • Delete personal data you have provided to us
    • Obtain a copy of your personal data in a portable format
    • Opt out of the processing of personal data for targeted advertising purposes

    Kentucky Privacy Rights

    Under the Kentucky Consumer Data Protection Act (effective January 1, 2026), Kentucky residents have similar rights including the right to opt out of the sale of personal data and targeted advertising.

    Rhode Island Privacy Rights

    Under the Rhode Island Data Transparency and Privacy Act (effective January 1, 2026), Rhode Island residents have the right to access, correct, delete, and obtain a portable copy of their personal data, as well as opt out of targeted advertising and the sale of personal data.

    To exercise any of these rights, please contact us at info@yallacalculators.online with "Privacy Rights Request" in the subject line. We will respond within the timeframe required by applicable law (typically 30-45 days).

    How to Manage Your Privacy Preferences

    You can control how your data is handled on our site. Here are the available options:

    Option 1: Cookie Settings (Recommended)

    1. Scroll to the bottom of any page on our website
    2. Click the "Cookie Settings" link in the footer (or open the consent banner again by clearing site data)
    3. Click Decline to disable first-party analytics
    4. Your choices are stored in your browser and respected immediately

    Option 2: Browser Do Not Track (DNT) Signal

    Enable Do Not Track in your browser settings:

    • Chrome: Settings → Privacy and Security → Cookies → Send a "Do Not Track" request
    • Firefox: Settings → Privacy & Security → Enable "Send websites a Do Not Track signal"
    • Safari: Preferences → Privacy → Check "Ask websites not to track me"

    Note: We honor DNT signals, but not all websites do. This is a browser-wide setting.

    Option 3: Request Data Deletion

    If you want us to permanently delete all your data:

    1. Email us at info@yallacalculators.online
    2. Subject line: "Data Deletion Request"
    3. Include: Your email address (if you subscribed to our newsletter)
    4. We will confirm deletion within 30 days as required by GDPR/CCPA

    First-Party Cookies

    We use first-party cookies to:

    • Remember your preferences and settings
    • Understand how you use our calculators
    • Improve website performance and user experience
    • Maintain session information for calculator functionality

    You can control cookies through your browser settings. Note that disabling first-party cookies may affect the functionality of our calculators.

    Changes to This Policy

    We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website with a new "last updated" date.

    Legal Entity and Regulatory Disclosures

    YallaCalculators.online operates in compliance with UAE regulations and international privacy standards. The following information is provided for transparency and regulatory compliance:

    Legal Entity Registration

    Legal Entity Name: [Legal Entity Name]

    Registration Number: [Company Registration Number]

    Registered Address: 1, JAM Tower, Downtown Dubai, United Arab Emirates

    Jurisdiction: United Arab Emirates

    Media Council Permit

    YallaCalculators.online operates as a digital media platform providing financial information and calculators. In compliance with UAE media regulations, we maintain the following permits and licenses:

    Media Council Permit Number: [Media Council Permit Number]

    Permit Issuing Authority: [Relevant UAE Media Authority]

    Permit Validity: [Permit Validity Period]

    This permit authorizes us to operate as a digital media platform and publish financial content, calculators, and educational resources in the UAE. Our operations comply with all applicable UAE media regulations, content standards, and advertising guidelines.

    Note: For the most current registration and permit information, please contact us directly at info@yallacalculators.online. We are committed to maintaining all required licenses and permits for lawful operation in the UAE.

    Contact Us

    If you have questions about this privacy policy or our data practices, please contact us:

    Email: info@yallacalculators.online

    Address: 1, JAM Tower, Downtown Dubai, United Arab Emirates

    For inquiries regarding legal entity registration, Media Council permits, or regulatory compliance, please include "Regulatory Inquiry" in your email subject line.

    Ready to Calculate Your Dubai Property Costs?

    Your privacy is protected. Use our professional UAE property calculators with confidence.

    Last updated: February 2026

    Who Stands Behind This Calculator

    VP
    Varun PunjabiLinkedIn

    Founder & CEO

    10+ Years UAE ExperienceDomain & Digital BusinessDLD & RERA Compliance

    Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.

    Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD

    Why Trust This Calculator?

    Privacy Policy is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and methodology that is reviewed by UAE-based experts. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.

    All calculations reviewed by UAE-based financial experts.

    Guide to Our UAE Financial Calculators

    Yalla Calculators provides UAE-specific financial tools for gratuity, mortgages, property fees, rent vs buy, school fees, visas, and cost of living. Our formulas follow official UAE sources: UAE Labor Law (gratuity, leave), Dubai Land Department and RERA (property, DLD 4% transfer fee), UAE Central Bank (DBR, LTV), KHDA (school fees), and published visa and healthcare data. We update figures when regulations or market rates change. Calculator results are estimates only; actual entitlements, fees, and approvals depend on your specific situation, employer, bank, or authority.

    For gratuity, any employee who completes at least one year of continuous service earns gratuity on basic salary for the years served — 21 days’ pay per year for the first five years and 30 days per year thereafter. Under Federal Decree-Law 33/2021 (effective 2 February 2022) the old sliding scale that cut gratuity for resignation before five years was abolished, so resigning no longer reduces your entitlement for completed years. For mortgages, DBR caps and LTV limits vary by buyer type (UAE national, GCC, expat) and property value. Property fees include DLD registration, trustee fees, agent commission, and often mortgage registration. Rent vs buy outcomes depend on holding period, appreciation, and opportunity cost. School fee projections use KHDA fee frameworks and typical annual increases; actual costs vary by school and grade.

    Calculation Examples

    Gratuity: If you resign after 3 years with AED 15,000 basic (unlimited contract), you receive 21 days’ basic per year for the first 5 years. Three years × (21/365) × (15,000 × 12) ≈ AED 31,068. After 5 years, the rate becomes 30 days per year. Mortgage: At 50% DBR, a AED 25,000 monthly income with AED 3,000 existing commitments allows roughly AED 9,500 per month for a mortgage, depending on rates and tenure. Property fees: On a AED 2M purchase, 4% DLD transfer fee is AED 80,000; add trustee, agent, and optional mortgage registration per our property-fees calculator.

    Frequently Asked Questions

    Are calculator results legally binding? No. They are illustrative. Gratuity, mortgage eligibility, and visa decisions depend on your contract, bank, or authority. Always confirm with your employer, lender, or official sources.

    How often do you update data? We review UAE labor, property, mortgage, and school-fee data periodically and after notable regulatory changes. Check our methodology and data-updates pages for more detail.

    Do you store my inputs? Calculator inputs are processed in your browser. We do not store your salary, property value, or other personal figures. See our privacy policy and cookie policy for details on analytics and cookies.

    Which Emirates are covered? Default examples often use Dubai (DLD, RERA, KHDA). Several tools support other Emirates where data is available. We indicate coverage in each calculator.

    Can I use these for official applications? Our tools are for planning and comparison only. Use official forms, bank offers, and government portals for applications and compliance.

    Meet the Expert

    Varun Punjabi

    CEO & Founder, Yalla Calculators. Over 13 years of professional experience, including a decade in the domain and internet industry. Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.

    LinkedIn

    For methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.