Privacy Policy

Our Commitment to Privacy

At Debt Payoff Calculator, we believe your privacy is fundamental. We designed our calculator to work completely in your browser with no signup required, no account creation, and no personal data collection. Your financial information never leaves your device.

This Privacy Policy explains how our website handles information, what minimal data we collect for functionality, and your rights regarding that information.

Information We Collect

Information You Provide

Local Device Processing (Client-Side): Our tools use vanilla JavaScript to perform mathematical calculations directly on your CPU. This technical architecture ensures that sensitive inputs—like mortgage balances or interest rates—are processed locally and are never transmitted to our servers for processing. Data is stored exclusively in your browser's local storage and we cannot see, access, or collect this information.

Contact Form: If you submit our contact form, we collect your name, email address, and message content solely to respond to your inquiry.

Information Automatically Collected

Analytics Data: We use Google Analytics to understand how visitors use our site. This includes:

• Pages you visit and time spent on each page
• Your approximate geographic location (city/country level)
• Device type, browser type, and screen resolution
• How you arrived at our site (referral source)
• Anonymous interaction data (button clicks, calculator usage)

This data is aggregated and anonymized. We do not track individual users or create user profiles.

Cookies: We use cookies for:

• Essential cookies: We utilize the Web Storage API (localStorage) to save your inputs for convenience. This creates a local data-silo on your specific device that the website owner cannot remotely access.
• Analytics cookies: Google Analytics cookies to measure site performance
• Advertising cookies: Google AdSense may set cookies to display relevant advertisements
• Third-Party Data Sovereignty: While we use Google Analytics for aggregate traffic data, no calculator inputs are ever passed to Google or any other third-party scripts.

How We Use Information

We use the minimal information we collect to:

• Provide and improve our free debt payoff calculator
• Respond to your inquiries and support requests
• Understand how visitors use our site to improve content and functionality
• Detect and prevent technical issues or abuse
• Display relevant advertisements through Google AdSense

We will never: Sell your data, share your calculator inputs with third parties, or use your information for purposes other than those listed above.

Third-Party Services

We use the following third-party services:

We are not responsible for the privacy practices of these third-party services. We encourage you to review their privacy policies.

Advertising

We participate in the Google AdSense program to display advertisements. Google may use cookies and web beacons to serve ads based on your prior visits to our website or other websites. You can opt out of personalized advertising by visiting Google Ad Settings.

Some links on our site may be affiliate links, meaning we earn a commission if you click through and make a purchase (at no extra cost to you). These are clearly labeled as "Partner Link" or "Sponsored."

Data Security

Since your calculator data never leaves your device, we cannot access it or be responsible for its security. Your debt information is as secure as your own computer or phone.

For data we do collect (analytics, contact forms), we use industry-standard security measures to protect against unauthorized access. However, no method of transmission over the Internet is 100% secure.

Your Rights

You have the following rights:

• Access and Deletion: Since we don't collect your calculator data, you can delete it anytime by clearing your browser's local storage or cache
• Opt-Out of Analytics: Use browser extensions like uBlock Origin or enable "Do Not Track" in your browser
• Opt-Out of Advertising: Visit Google Ad Settings to disable personalized ads
• Contact Inquiries: Contact us to request deletion of any messages you've sent via our contact form

For users in the EU (GDPR) or California (CCPA), you have additional rights regarding data portability, rectification, and restriction of processing. Please visit our Contact page to exercise these rights.

Children's Privacy

Our website is not intended for children under 13 years old. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our website after changes constitutes acceptance of the new policy.

Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us: