Privacy Policy

Last updated: January 2025

At PayoffCalculator.io, we take your privacy seriously. This Privacy Policy explains how we handle information when you use our website.

Information We Collect

Calculator Data

All calculations are performed locally in your web browser. We do not collect, store, or transmit any financial data you enter into our calculators. Your loan amounts, interest rates, and other financial information never leave your device.

Analytics Data

We use privacy-focused analytics to understand how visitors use our site. This may include:

  • Pages visited
  • Time spent on pages
  • General geographic location (country/region level)
  • Device type and browser
  • Referring website

This data is aggregated and cannot be used to identify individual users.

Local Storage

Our site may use your browser's local storage to save calculator preferences and recent calculations for your convenience. This data stays on your device and is not transmitted to our servers.

Cookies

We use minimal cookies for essential site functionality. We do not use tracking cookies or third-party advertising cookies. Any cookies we use are:

  • Essential for site functionality
  • Used for basic analytics (anonymized)

Third-Party Services

We may use the following third-party services:

  • Hosting: Our site is hosted on Vercel, which may collect standard server logs including IP addresses for security and performance purposes.
  • Analytics: We may use privacy-focused analytics services that do not track individual users or use cookies.

Advertising

If we display advertisements on our site, we use advertising partners that may collect information about your visit. You can opt out of personalized advertising by visiting your browser's privacy settings or using tools like the Digital Advertising Alliance's opt-out page.

Data Security

Since we don't collect personal financial data, there is minimal risk to your financial information. Our website uses HTTPS encryption for all connections to ensure data transmitted between your browser and our servers is secure.

Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect information from children under 13.

Your Rights

Since we don't store personal data, there is no personal information to access, correct, or delete. You can clear any locally stored preferences by clearing your browser's local storage.

Changes to This Policy

We may update this Privacy Policy from time to time. We will post any changes on this page and update the "Last updated" date.

Contact Us

If you have questions about this Privacy Policy, please contact us at privacy@payoffcalculator.io.