Privacy Policy

Overview

Last Updated: January 2025

This Privacy Policy describes how Payoff Planner ("we," "us," or "our") handles information when you use our debt payoff calculator website.

The short version: We take your privacy seriously and don't collect your personal financial data.

Information We Do NOT Collect

We want to be crystal clear about what we do not collect:

• Your debt balances - Never stored on our servers
• Your creditor names - Stays in your browser only
• Your interest rates - Not transmitted anywhere
• Your payment amounts - Remains completely private
• Your financial calculations - Processed locally only
• Your personal identity - We don't ask for your name, email, or any identifying information to use the calculator

How the Calculator Works

Our debt payoff calculator is designed with privacy as the foundation:

• Client-Side Processing: All calculations are performed in your web browser using JavaScript. Nothing is sent to our servers.
• No Database: We don't have a database storing user financial information because we never receive it in the first place.
• No Account Required: You can use our calculator without creating an account, logging in, or providing any personal information.
• No Cookies for Tracking: We don't use tracking cookies to monitor your behavior or financial details.

Share Feature

Our calculator includes a "Share Results" feature that allows you to create a shareable link. Here's how it works:

• When you click "Share Results," your debt information is encoded and added to the URL
• This data is stored in the URL itself (after the # symbol), not on our servers
• Anyone with the URL can see your debt payoff plan
• Important: Only share this link with people you trust, as it contains your financial information
• You can remove shared data by simply clearing the URL or refreshing the page

Information We May Collect

While we don't collect your financial data, we may collect limited, non-personal information:

Analytics Data (if implemented)

We may use privacy-focused analytics to understand how people use our site:

• Pages visited
• Time spent on the site
• General geographic location (country/region level only)
• Device type and browser used
• Referral source (how you found our site)

Note: This data is aggregated and anonymous. We cannot link it to you personally or to your financial information.

Contact Form Data

If you use our contact form:

• We collect only the information you voluntarily provide (name, email, message)
• This information is used solely to respond to your inquiry
• We do not sell, share, or use this information for marketing purposes
• You can request deletion of your contact form submission at any time

Third-Party Services

Chart.js

We use Chart.js, an open-source library, to create visual charts of your debt payoff progress. Chart.js runs entirely in your browser and does not transmit any data externally.

Content Delivery Networks (CDNs)

We may load certain libraries (like Chart.js) from CDNs for faster performance. These services may log that your browser requested the file, but they don't have access to your financial calculations or personal data.

Data Security

Since we don't collect or store your financial data, there's no database for hackers to breach. Your information is as secure as your own device.

To keep your data safe:

• Use a secure device: Make sure your computer or phone is free from malware
• Use a secure connection: Our site uses HTTPS encryption
• Be careful with share links: Only share your results with people you trust
• Clear your browser: If using a shared device, clear your browser history and cache when done

Children's Privacy

Our website is not directed to children under 13, and we do not knowingly collect information from children. If you are under 13, please do not use this site or provide any information.

Your Rights

Because we don't collect your financial data, there's nothing for us to:

• Provide in a data access request
• Correct or update
• Delete from our servers
• Export or transfer

Your data stays with you from start to finish.

If you've contacted us via the contact form and want that information deleted, please email us and we'll honor your request promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date at the top
• For significant changes, we may add a notice on our homepage

We encourage you to review this Privacy Policy periodically.

Legal Basis (GDPR Compliance)

For users in the European Union:

• We don't process personal financial data, so GDPR requirements around consent, access, and deletion of financial information don't apply
• Any analytics data we collect is based on our legitimate interest in improving the website
• Contact form submissions are processed based on your consent when you submit the form

California Privacy Rights (CCPA)

California residents have certain rights regarding their personal information. However, since we don't collect, sell, or share your financial data, most CCPA provisions don't apply to our calculator.

If you've contacted us and want your contact information deleted, we'll honor that request.

Cookies

Our website may use minimal cookies for basic functionality:

• Essential cookies: Required for the website to function properly
• Analytics cookies (if implemented): Help us understand site usage

We do not use cookies to track your financial data or personal information. You can disable cookies in your browser settings, though some features may not work properly.

Do Not Track

Some browsers offer a "Do Not Track" (DNT) signal. Since we don't track your personal financial information anyway, the DNT setting doesn't change how our calculator operates.

Contact Us

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

• Email: privacy@payoffplanner.com (update with your actual email)
• Contact Form: Contact Page