Privacy Policy

Overview

This privacy policy explains how Debt Payoff Calculator (payoffdebtcalc.com) collects and uses information from visitors.

The short version: the numbers you enter into our calculators stay on your device. We do not collect, store, or transmit your debt data, income, or any financial inputs.

Information We Collect

Calculator inputs. All calculator calculations run in your browser. Financial data you enter — balances, interest rates, income, payments — is never sent to our servers. It exists only on your device during your session and disappears when you close the browser tab or window.

Analytics data. We use Google Analytics 4 to understand site traffic. This collects anonymized data including pages visited, time on site, device type, approximate geographic location (city/region level), and referring source. Your IP address is anonymized. We do not tie analytics data to any personally identifiable information.

Cookies. Google Analytics uses cookies to distinguish sessions. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on at tools.google.com/dlpage/gaoptout. We do not use advertising cookies or tracking pixels for behavioral advertising.

Advertising. This site displays third-party advertisements through Google AdSense and/or Ezoic. These ad networks may use cookies to serve ads relevant to your interests based on your browsing activity across other sites. You can opt out of personalized ads at Google's Ad Settings (adssettings.google.com) or through the Digital Advertising Alliance opt-out at optout.aboutads.info.

Information We Do Not Collect

We do not collect:

• Your name, email address, or contact information (unless you email us directly)
• Social Security numbers or tax identification numbers
• Bank account or financial account numbers
• Credit card numbers or payment information
• Debt balances, interest rates, or income figures entered into calculators

How We Use Information

Analytics data is used solely to understand how the site is used and to improve the calculators and content. We do not sell, rent, or share analytics data with third parties for marketing purposes.

Third-Party Services

This site uses the following third-party services:

• Google Analytics 4 — Website analytics. Privacy policy: policies.google.com/privacy
• Google AdSense / Ezoic — Advertising. Opt-out: adssettings.google.com
• Cloudflare — Content delivery and security. Privacy policy: cloudflare.com/privacypolicy

California Residents (CCPA)

If you are a California resident, you have the right to know what personal information is collected about you, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information. The only personal data we could potentially receive is an email address if you contact us directly. To exercise your rights, contact us at [email protected].

European Visitors (GDPR)

If you are visiting from the European Economic Area, you have rights under the General Data Protection Regulation. Our legal basis for processing analytics data is legitimate interest in understanding site usage to improve our free tools. You have the right to access, correct, or delete personal data. To exercise these rights, contact us at [email protected].

Children's Privacy

This site is not directed at children under 13. We do not knowingly collect information from children. If you believe a child has provided information through this site, contact us and we will delete it promptly.

Changes to This Policy

We may update this privacy policy periodically. We will update the "Last updated" date at the top of this page when changes are made. Material changes will be noted prominently on the site.

Contact

For privacy questions or requests, contact: [email protected]

GSD Local Marketing

East Wenatchee, Washington