Privacy Policy

DebtPayoff.cc performs debt payoff calculations in your browser. Balances, APRs, minimum payments, and repayment schedules are not uploaded to a server.

You can use the calculator without creating an account. The site does not provide user accounts or server-side plan storage.

If you create a share link, the numbers needed to recreate the scenario are encoded in the URL.

Treat share links as sensitive because anyone with the link may be able to view the encoded payoff scenario.

The site is delivered through Cloudflare and static hosting. Those providers may process request information such as IP address, user agent, requested path, timestamps, security signals, and diagnostic logs under their own terms.

When Cloudflare Web Analytics is enabled on the host, a lightweight client-side beacon may load to measure aggregate page views and performance. That beacon is separate from Google AdSense and does not receive detailed debt-plan inputs.

New private share links place scenario data in the URL fragment, which browsers do not send in the initial HTTP request. Legacy query-based links are read once and removed immediately, but may already have reached the server that received the old URL.

The site loads the Google AdSense script for site verification and future advertising. Optional Google Analytics or Baidu Tongji scripts load only after optional analytics consent; they are not loaded by default. These services may use cookies, IP addresses, web beacons, or other identifiers for security, measurement, consent, and advertising purposes.

Third parties may place or read cookies in a browser or use IP addresses and similar identifiers as a consequence of ad serving. Detailed debt-plan inputs are not intentionally supplied to advertising or analytics services.

Where required by AdSense privacy messaging settings, a Google-certified consent management platform is used before personalized advertising. Users in supported regions can use the privacy message to grant, refuse, or withdraw relevant choices. If consent messaging is not yet active for a region, personalized ads must not be shown there until it is configured.

Browser controls can also clear or block cookies. Optional analytics are disabled by default, and the footer provides an optional analytics settings control to grant or revoke that choice. Blocking storage or scripts may affect consent messages, analytics, advertising, and shared-plan restoration, but the core calculator does not require an account.

DebtPayoff.cc does not operate a server-side database of calculator plans. A shared payload is removed from temporary browser storage after restoration; exported files remain under the user's control.

Questions, correction requests, and privacy concerns can be sent through the contact address. Do not include account numbers, statements, government identifiers, or other sensitive financial information.