Privacy Policy

Overview

PayoffCalcs ("we", "our", or "the site") is committed to protecting your privacy. This policy explains what information we collect, why, and how we use it. In short: we collect as little as possible, and your financial data never leaves your device.

Information We Do Not Collect

• Financial data: All calculator inputs (loan balances, interest rates, payments, etc.) are processed entirely inside your browser. They are never transmitted to our servers, logged, or stored.
• Personal identifiers: We do not collect your name, email address, phone number, or physical address.
• Payment information: PayoffCalcs is free; we never ask for credit card or billing details.

Information That May Be Collected Automatically

Like most websites, certain non‑personal information may be collected automatically during your visit. This is limited to what is strictly necessary for the site to function and for our advertising partners to serve relevant ads.

• Cookies and similar technologies: Our advertising partners (such as Google AdSense or similar networks) may use cookies to display ads based on your prior visits to this or other websites. These cookies do not contain personal financial data.
• Server logs: Our hosting provider may temporarily log standard technical information such as your IP address, browser type, and pages visited. These logs are used solely for diagnosing technical issues and are not linked to any identifiable person.

Third‑Party Advertising

We use third‑party advertising services to support the site. These services may use cookies and web beacons to collect non‑personal information about your browsing activity in order to provide advertisements about goods and services of interest to you.

Google AdSense: Google uses cookies to serve ads based on your visits to this site and other sites on the Internet. You may opt out of personalised advertising by visiting Google Ads Settings.

For more information about how Google uses data when you use our site, please visit How Google uses information from sites or apps that use our services.

How We Use Collected Information

Any non‑personal technical information that is automatically collected is used exclusively for:

• Maintaining and improving the site's performance and security.
• Allowing our advertising partners to serve and measure the effectiveness of ads.
• Complying with legal obligations, if required.

We do not sell, rent, or trade any information collected from our visitors.

Data Security

We implement appropriate technical and organisational measures to protect any data that is automatically processed. However, no method of electronic storage or transmission over the Internet is 100% secure. We cannot guarantee absolute security.

Children's Privacy

Our site is not intended for children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us immediately and we will delete it.

Your Choices

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some parts of the site may not function as intended.

You may also opt out of personalised advertising from many ad networks by visiting YourAdChoices or Your Online Choices.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page, and the "Last updated" date at the bottom will be revised. We encourage you to review this policy periodically.

Contact

If you have questions about this Privacy Policy, you can reach us at payoffcalcs@gmail.com.