Privacy Policy

PayoffCalc privacy policy — calculator inputs never leave your browser, and we explain exactly what data the site collects.

Last updated: September 26, 2026

The short version

  • Numbers you type into our calculators never leave your browser. All calculations run locally on your device; nothing is sent to our servers.
  • We do not sell personal data. We do not run accounts, so there is nothing to leak from a user database.
  • If you contact us through the form, we receive your name, email, and message — used only to reply.

Calculator data

Our calculators are client-side tools: the JavaScript in your browser performs every computation. We do not transmit, log, or store the balances, rates, or payments you enter. If you are ever unsure, you can use every calculator with your network disconnected after the page loads.

Contact form data

When you submit the Contact form, we receive your name, email address, subject, and message by email. We use this only to respond to your inquiry. We do not add you to a mailing list (we don’t operate one) and we do not share contact submissions with third parties except our email/hosting providers as needed to deliver the message.

Cookies and analytics

WordPress may set strictly-necessary cookies for site operation (for example, to remember cookie-consent choices). If we enable privacy-respecting analytics in the future, this policy will be updated to describe exactly what is measured. We do not use cross-site tracking cookies.

Advertising

If we display ads in the future, ad providers may use cookies to serve relevant advertising per their own policies. This policy will be updated before any ad network is enabled.

Data retention and your rights

Contact-form emails are retained only as long as needed to handle your inquiry. You may request a copy or deletion of any personal data you have sent us via the Contact page.

Changes to this policy

Material changes will be noted here with a new “Last updated” date.