Privacy Policy

DebtPayoff.cc puts your privacy first: the calculator runs locally in your browser, requires no account, uploads no debt data, and stores no repayment plans on a server.

Sensitive information you enter—balances, APRs, payments—exists only on your device. We cannot see this data.

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 hosted on Cloudflare. Cloudflare logs requests (IP address, browser information, requested path, timestamps) for security, diagnostics, and performance optimization. Processing follows Cloudflare's privacy policy.

This site has enabled Cloudflare Web Analytics, a privacy-friendly analytics tool that collects only anonymous page view and performance data. It does not access your debt inputs and does not use cross-site tracking.

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.

To maintain site operations and improve user experience, this site uses the following third-party services. They may use cookies, IP addresses, browser fingerprints, and other identifiers for security, measurement, consent management, and advertising. This site does not intentionally transmit sensitive debt data you enter—balances, APRs, repayment plans—to these services.

Since this site requires no account and stores no debt data on servers, you have complete control over your data. If you have questions about this site's privacy practices, you can send an inquiry through the contact page.

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. The site does not load Google Analytics, Baidu Tongji, or other third-party analytics tags. The footer "Privacy and cookie settings" control reopens the Google consent message where it is available. Blocking storage or scripts may affect consent messages, advertising, and shared-plan restoration, but the core calculator does not require an account.

DebtPayoff.cc does not operate a server-side database to store your calculator plans. What is kept, and where, is listed below. If you have privacy questions or correction requests, you can send them through the contact page. Do not include account numbers, full statements, government identifiers, or other sensitive financial information.