Privacy Policy
Last updated: January 2026
The short version
We don't collect your debt numbers. Every calculator on this site runs entirely in your browser 鈥?your inputs are never transmitted to our servers. We do not require an account. We do not have an email list. The only data we receive is what your browser automatically sends to any website you visit (IP address, user agent, referring URL), and what our advertising and analytics partners collect.
What we collect
- Standard server logs 鈥?IP address, browser type, pages visited, timestamps. Retained for 30 days for security and abuse prevention.
- Analytics 鈥?We use a privacy-focused analytics tool to count page views and understand which content is popular. We do not use cookies for user-level tracking.
- Advertising 鈥?Third-party advertisers (such as Google AdSense) may place cookies to serve relevant ads. You can opt out at aboutads.info/choices or use your browser's "Do Not Track" setting.
What we do NOT collect
- Your name, email, phone, or address
- Any numbers you enter into our calculators
- Your financial accounts, balances, or credit scores
- Any personally identifiable financial information
Cookies
We use only essential cookies (for site preferences) and advertising cookies set by Google AdSense. You can disable cookies in your browser settings without losing access to the calculators.
Your rights (GDPR, CCPA, UK DPA, Australia Privacy Act)
If you are in the EU, UK, California, or Australia, you have the right to request access to, correction of, or deletion of any personal data we may hold about you. Since we hold almost none, most requests will return an empty result. Email us at privacy@debtpayoffhub.com and we will respond within 30 days.
Children's privacy
This site is not directed at children under 13 (U.S.) or 16 (EU/UK). We do not knowingly collect data from minors.
Changes to this policy
If we materially change how we handle data, we will update the date at the top of this page and post a notice on the homepage for 30 days.