Welcome to Credit Card Payoff Calculator. We respect your privacy and are committed to protecting any personal information you share with us. This Privacy Policy details the types of data we collect, how it is used, and how your privacy is protected when you visit our website.
1. Zero Collection of Sensitive Financial Data
Our calculator does not collect, record, or transmit financial data. All calculations—including card balances, Annual Percentage Rates (APRs), monthly payments, and amortization tables—are processed locally on your device within your web browser using client-side JavaScript. None of this financial data is sent to our servers, stored in databases, or shared with third parties.
2. Information We Collect
We may collect limited personal information under the following circumstances:
- Contact Form Submissions: If you voluntarily reach out via our contact form, we collect your name, email address, and the content of your message to respond to your inquiry.
- Log Files & Technical Data: Like most websites, our web hosting servers automatically record standard non-identifying technical data, such as your IP address, browser type, referring URL, operating system, and timestamp of visit.
3. Cookies and Tracking Technologies
We may use cookies (small text files stored in your web browser) to improve site performance and remember user preferences. You can control or disable cookies through your browser settings. Disabling cookies will not hinder the functionality of our Credit Card Payoff Calculator.
4. Analytics and Third-Party Services
We may utilize privacy-friendly analytics services to assess aggregate website traffic trends, popular educational articles, and page load speeds. These analytics services do not collect personally identifiable financial figures.
5. Data Protection & Security
We implement industry-standard technical safeguards, including Secure Sockets Layer (SSL/TLS) encryption, to protect data transmitted between your browser and our servers.
6. Your Privacy Rights (GDPR & CCPA Compliance)
Depending on your jurisdiction, you may have rights under the General Data Protection Regulation (GDPR) or the California Consumer Privacy Act (CCPA), including access to or deletion of your communications.
7. Changes to This Privacy Policy
We reserve the right to update this policy periodically. Any changes will be posted on this page along with an updated effective date.