Privacy Policy

Overview

DebtPayoffHQ ("we", "us", or "our") operates the website debtpayoffhq.com (the "Site"). This Privacy Policy explains how we collect, use, and protect information when you visit our Site.

We are committed to protecting your privacy. This Site provides free financial calculators to help people manage debt, budgets, savings, and retirement planning. We do not sell your personal data to anyone.

Important: All calculations on DebtPayoffHQ are performed locally in your browser. We do not store, transmit, or have access to any financial information you enter into our calculators.

Information We Collect

We collect minimal information:

• Automatically collected data: Standard web server logs may record your IP address, browser type, referring URL, pages visited, and date and time of visit.
• Analytics data: We use Google Analytics to understand how visitors use our Site. This collects anonymous, aggregated data. Google Analytics does not identify you personally.
• Cookies: We use cookies for analytics and advertising purposes. You can disable cookies in your browser settings.
• Information you provide: If you contact us by email, we receive your email address and the contents of your message.

We do not collect or store any financial data you enter into our calculators. All calculator inputs and results exist only in your browser and are never sent to our servers.

How We Use Information

• Understand how visitors use the Site to improve it
• Monitor Site performance and fix technical issues
• Respond to emails or inquiries
• Comply with legal obligations

We do not use your information for advertising targeting, profiling, or any purpose beyond operating and improving this Site.

Affiliate Disclosure

DebtPayoffHQ participates in affiliate programs including the Amazon Services LLC Associates Program and may link to third-party financial comparison sites including NerdWallet and Bankrate.

When you click certain links on this Site, we may earn a small commission or referral fee at no additional cost to you. Affiliate relationships never influence our calculator results, rankings, or editorial content.

We only recommend financial products and services we believe are genuinely useful. Always do your own research before making financial decisions.

Advertising

This Site may display advertisements served by Google AdSense. These networks may use cookies and web beacons to serve ads based on your prior visits to this or other websites. You may opt out of personalized advertising by visiting Google's Ad Settings or aboutads.info.

Third-Party Services

• Google Analytics — website analytics. Google Privacy Policy
• Google AdSense — advertising. Google Privacy Policy
• Amazon Associates — affiliate links. Amazon Privacy Policy
• NerdWallet — financial product comparisons. NerdWallet Privacy Policy
• Bankrate — financial product comparisons. Bankrate Privacy Policy
• Netlify — website hosting. Netlify Privacy Policy

Financial Disclaimer

The calculators and information on DebtPayoffHQ are for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Results are estimates based on the information you provide and may not reflect your actual financial situation.

Always consult a qualified financial advisor, tax professional, or attorney before making significant financial decisions. Past performance of investments does not guarantee future results.

Children's Privacy

This Site is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

Data Security

We take reasonable measures to protect the Site from unauthorized access. Since we do not store your financial calculator data, that information cannot be compromised through our systems. No website can guarantee complete security.

Your Rights

Since we collect very minimal personal data, most privacy requests can be fulfilled by clearing your browser cookies. If you have questions or requests regarding your data, please contact us at the email below.

Changes to This Policy

We may update this Privacy Policy from time to time. We will update the "Last updated" date at the top of this page when we do. Continued use of the Site after changes constitutes acceptance of the updated policy.