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Privacy Policy
Last Updated: January 2025
Your Privacy Matters
At HowToPayOff.com, we take your privacy seriously. This policy explains how we handle your information.
Data Collection
We don't collect or store your financial data. All debt calculations happen entirely in your browser using JavaScript. Your debt information never leaves your device.
Local Storage
We use your browser's local storage to save your calculator inputs for convenience. This data stays on your device and is never transmitted to our servers.
Analytics
We may use analytics tools to understand how visitors use our site (page views, time on site, etc.). This data is anonymized and doesn't include personal information.
Third-Party Services
Google AdSense
We use Google AdSense to display ads. Google may use cookies to serve ads based on your browsing history. You can opt out of personalized ads at Google Ad Settings.
Cookies
We don't set our own cookies. Third-party services like Google AdSense may set cookies for ad personalization.
Data Security
Since we don't collect or store your financial data, there's no central database that could be compromised. Your information stays private on your device.
Your Rights
You can clear your local data at any time by clicking the "Clear Data" button in the calculator or clearing your browser's local storage.
Children's Privacy
Our service is not directed to children under 13. We don't knowingly collect information from children.
Changes to This Policy
We may update this policy periodically. Check this page for the latest version.
Disclaimer
Important: HowToPayOff.com provides educational tools and information only. Our calculator does not constitute financial, legal, or professional advice. We are not financial advisors, and we make no representations or warranties about the accuracy, completeness, or suitability of any information provided.
Results from our calculator are estimates based on the information you provide and standard mathematical formulas. Actual results may vary based on factors such as:
- Changes in interest rates
- Fees and penalties from lenders
- Credit score impacts
- Changes in minimum payment requirements
- Other contractual obligations with creditors
You are solely responsible for your financial decisions. Always verify calculations with your lenders and consult with qualified financial advisors, credit counselors, or other professionals before making significant financial decisions.
By using this tool, you acknowledge that HowToPayOff.com and its operators are not liable for any financial decisions or outcomes resulting from your use of this calculator.
Contact Us
If you have questions about this privacy policy, email us at help@howtopayoff.com or visit our contact page.