Your Debt Information

We do not collect, store, or transmit your debt information to our servers.

When you use our Debt Payoff Planner, all calculations happen in your browser. Your debt balances, APRs, monthly payments, and any other financial information you enter are saved using your browser's localStorage feature only.

This means your sensitive financial data never leaves your device. We have no access to it, we don't store it on our servers, and we don't share it with anyone.

Analytics

We use Google Analytics to understand how visitors use our site (which pages are viewed, how long people stay, etc.). Google Analytics may collect:

Your IP address (anonymized)
Browser type and device information
Pages you visit on our site
How you arrived at our site

Google Analytics does NOT see the debt information you enter into our calculators.

Advertising

We use Google AdSense to display advertisements. Google may use cookies and similar technologies to show you relevant ads based on your browsing activity across the web.

You can learn more about how Google uses data at Google's Privacy & Terms.

Contact Form

If you use our contact form, we collect:

Your name
Your email address
Your message content

This information is sent via EmailJS and used solely to respond to your inquiry. We do not share this information with third parties or use it for marketing purposes.

What We Don't Do

We don't sell your data
We don't share your debt information (because we don't have it)
We don't provide personalized financial advice
We don't approve credit applications or act as a lender

Your Rights

Since your debt information is stored locally in your browser, you have complete control over it. You can:

Clear it at any time using your browser's settings
Export it as a PDF (which stays on your device)
Delete it permanently by clearing your browser data

Data Retention and Security

We maintain a strict policy of not storing any personal or financial data on our servers. All information you enter into our debt calculators is retained only in your browser's local storage, which is automatically cleared when you delete your browser's cache or cookies. We implement industry-standard security measures to protect our website from unauthorized access and data breaches. Our site uses HTTPS encryption to ensure secure data transmission between your device and our servers. However, since no data is stored on our servers, there is no risk of data being accessed by third parties through our systems. We regularly review our security practices and update them as necessary to maintain the highest level of protection for our users.

Third-Party Services and Cookies

Our website uses cookies and similar tracking technologies through third-party services like Google Analytics and EmailJS. These cookies help us understand user behavior and improve our site's functionality. We use essential cookies for basic site operations, analytics cookies to gather usage statistics, and functional cookies to remember your preferences. You can manage or disable cookies through your browser settings, though disabling them may affect some website features. We do not use tracking cookies for advertising purposes beyond what Google AdSense provides. Our cookie policy is designed to be transparent about how we use these technologies while respecting user privacy. All third-party services are carefully selected and monitored to ensure they comply with data protection regulations.

User Rights and Compliance

As a website operating in the UK, we comply with the General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018. While we don't collect personal data, users have the right to request information about how their data is processed on our site. You may also request access to any information you've submitted through our contact form. We provide clear information about how we handle your data and ensure transparency in all our practices. Our privacy policy is regularly reviewed and updated to reflect changes in legislation and best practices. If you have any questions or concerns about our privacy practices, please contact us using the information provided on our site. We are committed to maintaining the highest standards of data protection and user privacy.

Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated "Last updated" date.

Contact Us

If you have questions about this privacy policy, please contact us through our contact form.

Privacy Policy