Effective Date: January 1, 2026
Your privacy is important to us. This Privacy Policy explains how loanpayoffcalc.com (“we,” “us,” or “our”) collects, uses, protects, and discloses information resulting from your use of our website and services, including our Loan Payoff Calculator.
1. Information We Collect
A. Non-Personal Information (Data Entered into the Calculator)
We want to be clear: Our calculator operates locally in your web browser.
- Data Entered: When you use the Loan Payoff Calculator, you enter financial details (e.g., loan balance, interest rate, term, extra payments).
- Collection: We do not store, record, transmit, or save the specific financial numbers you enter into the calculator fields on our servers. The calculation is performed locally to provide instant results.
B. Usage Data (Automatically Collected)
We may automatically collect certain non-identifiable information about your device and how you interact with our website to improve performance and user experience.
- Log Data: Includes your IP address (which is anonymized or truncated), browser type, referring pages, time spent on pages, and pages viewed.
- Cookies and Tracking: We use cookies and similar tracking technologies (like Google Analytics) to track general activity on our site, analyze trends, and understand user behavior. This data helps us optimize the calculator’s layout and efficiency.
2. How We Use the Information
We use the collected information for the following purposes:
- To Operate and Maintain our Service: Ensuring the calculator is functional, fast, and accurate.
- To Analyze Usage: Understanding which features are popular and how users interact with the tool to make improvements.
- To Prevent Fraud: Monitoring for malicious activity and ensuring the security of the site.
- For Communication: If you voluntarily provide us with an email address (e.g., for a newsletter or contact form, if applicable), we use it to respond to your inquiries or send requested information.
3. Disclosure of Information
We do not sell, trade, or rent your personal information. We may share non-personal Usage Data in the following limited circumstances:
- Service Providers: We may share data with third-party service providers (like Google Analytics) to monitor and analyze the use of our service. These parties are restricted from using this data for any purpose other than providing services to us.
- Legal Requirements: If required by law, subpoena, or governmental request.
4. Third-Party Links and Services
Our website may contain links to other websites (e.g., resources, partner links, or advertisements). If you click on a third-party link, you will be directed to that third party’s site. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
5. Security of Data
The security of your data is important to us. While we do not handle sensitive personal financial information, we use commercially acceptable means to protect the general integrity and security of the website against unauthorized access or disclosure of the Usage Data we collect. However, no method of transmission over the Internet or method of electronic storage is 100% secure.
6. Your Rights
Depending on your jurisdiction, you may have rights regarding the personal information we hold, such as:
- The right to access and receive a copy of your Usage Data.
- The right to request correction or deletion of your Usage Data.
If you have questions about your data or wish to exercise these rights, please contact us using the information below.
7. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Effective Date” at the top. You are advised to review this Privacy Policy periodically for any changes.
8. Contact Us
If you have any questions about this Privacy Policy, please contact us.