Privacy Policy
Last updated: August 17, 2026
This Privacy Policy explains how DebtPayoff.io ("we," "our," or "us") handles information when you visit debtpayoff.io (the "Site"). We built this Site around a simple principle: your financial numbers are yours. Here's exactly what happens with your data.
1. Calculator inputs are never collected
Every calculator on this Site runs entirely client-side, using JavaScript executed in your own browser. Balances, interest rates, income, payment amounts, and any other figures you enter into a calculator are processed locally on your device and are never transmitted to, or stored on, our servers. We have no database of user-entered financial information because none is ever sent to us.
2. Information collected automatically
Like most websites, we and our third-party partners may automatically collect limited technical information when you visit, such as your IP address, browser type, device type, pages viewed, referring URL, and approximate location (city/region level). This is standard log and analytics data used to understand site traffic and improve performance — it is not linked to the calculator figures you enter.
3. Cookies and similar technologies
We use cookies and similar technologies (such as local storage) for essential site functionality, analytics, and advertising. You can control or disable cookies through your browser settings; note that some site features may not function properly without them.
4. Advertising and Google AdSense
DebtPayoff.io is supported by advertising, including Google AdSense. Google and its partners may use cookies (including the DoubleClick cookie) and similar technologies to serve ads based on your prior visits to this or other websites. This is known as interest-based or personalized advertising.
- You can opt out of personalized advertising by visiting Google Ads Settings.
- You can also opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.
- Third-party vendors, including Google, may show our ads on sites across the internet.
For more detail on how Google uses data when you use our Site, see How Google uses information from sites or apps that use our services.
5. Analytics
We may use analytics services (such as Google Analytics) to understand aggregate site usage, such as which calculators are most popular and how visitors navigate the Site. Analytics data is aggregated and is not used to identify you personally.
6. Third-party links
Our Site may link to third-party websites, including lenders, financial institutions, or informational resources. We are not responsible for the privacy practices or content of any third-party site. Review their privacy policies before providing any personal information.
7. Children's privacy
DebtPayoff.io is not directed at children under 13, and we do not knowingly collect personal information from children under 13.
8. Your choices
You can browse and use every calculator on this Site without providing any personally identifiable information. You may clear cookies at any time through your browser settings and use ad-blocking or opt-out tools as described above.
9. Changes to this policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.
10. Contact us
Questions about this Privacy Policy? Email us at contact@debtpayoff.io or visit our Contact page.