Privacy

Effective July 22, 2026

Calculator data stays in your browser

Balances, APRs, payments, debt labels, and scenario assumptions are calculated locally in your browser. They are not submitted to our server, placed in page URLs, stored in cookies or local storage, or attached to analytics.

Do not enter account numbers, Social Security numbers, login details, or other sensitive identifiers. The calculator does not need them.

Contact messages

If you choose to use the contact form, the reply email, subject, and message are sent for delivery and response. They are not saved in the site database, analytics, or application logs. Avoid including financial account details or other sensitive information.

Cloudflare Turnstile is loaded only when you open the contact panel. It is used to reduce automated abuse and is governed by Cloudflare's own privacy practices.

Operational records

The hosting and security layers may create short-lived technical records needed for availability, abuse prevention, and troubleshooting. We do not intentionally place calculator field values or contact message content into those records.

This policy will be updated if the site's data handling changes.