1. Who runs this site
lowicalc.ru (LoWi; formerly calc.texevent.ru), including the Russian version and the embeddable widget, is run by Sole proprietor Ivan Vladimirovich Zemtsov, OGRNIP 320246800025285. Contact: leader@texevent.ru.
2. No personal data is collected
There is no sign-up and no account. The site does not ask for your name, phone, email, ID or anything else that identifies you, and builds no visitor profiles.
Amounts, rates, terms, income and payments you enter are processed only in your browser and never sent to a server. To save you retyping, your browser keeps the last inputs and saved calculations on your device; clear the site data in your browser to remove them.
When you share a calculation, its inputs go into the link. You decide who receives it.
3. Visit statistics
To see which calculators are used, the site runs Yandex Metrica (YANDEX LLC). It uses cookies and receives technical details of a visit: IP address, browser and device type, pages viewed. The site owner sees only aggregate reports and does not identify visitors from them. Session recording (Webvisor) is off.
Metrica is not loaded in the widget or on pages whose address carries calculation inputs. Block cookies or trackers in your browser to turn it off; every calculator keeps working.
Separately, the site counts clicks on Share, Save, Download and widget code copy: only the name of the action reaches the statistics server, with no amounts or calculation inputs.
Once per session the embeddable widget reports only the domain of the site it is installed on, so the owner knows where the calculator runs. Nothing about the visitor or the calculation is sent.
4. Feedback
The feedback form sends your rating, comment and the page address; calculation inputs are not attached. Please do not put personal details in the comment. If you email us, your address and message are used only to reply.
5. Sharing
The site owner does not sell or share visitor information. The site is not affiliated with banks or other lenders.
6. Changes
The current version is always published on this page. Questions: leader@texevent.ru.
Effective from 20 October 2026.