Privacy Policy
Last updated: February 1, 2026
The Short Version
We don't sell your data, we don't require accounts, and our calculators run entirely in your browser — your financial information never leaves your device.
Information We Collect
Calculator Data
Our debt calculators process your inputs (balances, interest rates, payment amounts) entirely in your browser using JavaScript. This data is never sent to our servers. We can't see it, store it, or share it.
Analytics
We use privacy-focused analytics to understand how people use our site — things like page views, referral sources, and general geographic region. We use this data to improve the site and understand which content is most helpful. We do not track individual users across sessions or sell analytics data.
Contact Form
If you use our contact form, your name, email, and message are processed through Formspree. We use this information only to respond to your inquiry. We don't add you to marketing lists.
Cookies
We use essential cookies for basic site functionality (like remembering your cookie consent preference). Analytics tools may set cookies to distinguish unique visits. You can block cookies in your browser settings without affecting calculator functionality.
Third-Party Services
We use the following third-party services:
- Cloudflare — hosting and content delivery
- Formspree — contact form processing
- Google Analytics — site analytics (if enabled)
Each of these services has its own privacy policy. We've chosen services that align with our commitment to minimal data collection.
Affiliate Links
Some links on this site are affiliate links. When you click an affiliate link, the destination site may track that you came from DebtPayoffTools.com. See our affiliate disclosure for more details.
Your Rights
Since we collect minimal data, there's not much to manage. But if you've contacted us and want your message deleted, just email us and we'll take care of it.
Changes
If we make significant changes to this policy, we'll update the date at the top and note what changed. For a site like ours, that's rarely necessary.
Contact
Questions about this policy? Reach out to us.