Privacy Policy

Last updated: January 30, 2026

At Debt Payoff Spreadsheet, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your information when you use our website and debt payoff calculator.

1. Your Financial Data is Private

We do not collect, store, or transmit your financial data. Our debt payoff calculator is a client-side tool that runs entirely in your web browser. All calculations are performed locally on your device, and any debt information you enter is saved only to your browser's localStorage on your own device.

Your debt balances, interest rates, payment amounts, and other financial information never leave your device and are never sent to our servers or any third party.

2. Information We Collect

2.1 Automatically Collected Information

When you visit our website, we automatically collect certain information through cookies and similar technologies:

• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website
• IP address (anonymized)
• General location (country/region level only)

2.2 Information You Provide

We only collect personal information that you voluntarily provide:

• Contact Form: Name and email address when you contact us
• Newsletter: Email address if you subscribe to our newsletter

3. How We Use Cookies

We use cookies and similar tracking technologies to improve your experience and understand how our site is used. You can control cookie preferences through our cookie banner.

3.1 Essential Cookies

Required for the website to function properly. These cannot be disabled:

• Cookie consent preferences
• Session management

3.2 Analytics Cookies

We use Google Analytics to understand how visitors use our site:

• Pages visited and user flow
• Time spent on site
• Device and browser information
• General demographics (age range, interests)

Google Analytics data is anonymized and aggregated. We do not track individual users.

3.3 Advertising Cookies

We use Google AdSense to display advertisements:

• Google may use cookies to serve relevant ads based on your browsing history
• You can opt out of personalized advertising at Google Ads Settings
• Learn more in Google's Advertising Policy

4. Third-Party Services

We use the following third-party services, each with their own privacy policies:

• Google Analytics: Website analytics and performance tracking. Privacy Policy
• Google AdSense: Advertising platform. Privacy Policy
• Formspree: Contact form processing. Privacy Policy
• ConvertKit: Email newsletter management. Privacy Policy
• Cloudflare Pages: Website hosting and CDN. Privacy Policy

5. Your Rights (GDPR & CCPA)

Depending on your location, you may have certain rights regarding your personal data:

5.1 European Union (GDPR)

If you are in the EU, you have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate personal data
• Erasure: Request deletion of your personal data
• Restriction: Limit how we use your data
• Portability: Receive your data in a portable format
• Object: Object to processing of your personal data
• Withdraw Consent: Withdraw consent at any time

5.2 California (CCPA)

If you are a California resident, you have the right to:

• Know what personal information we collect
• Know whether we sell or share personal information (we do not)
• Access your personal information
• Request deletion of your personal information
• Non-discrimination for exercising your rights

5.3 Exercising Your Rights

To exercise any of these rights, please contact us through our contact page. We will respond within 30 days.

6. Data Retention

• Contact Form Submissions: Retained for 2 years or until you request deletion
• Newsletter Subscriptions: Retained until you unsubscribe
• Analytics Data: Retained by Google Analytics for 26 months
• Financial Calculator Data: Stored only on your device, never on our servers

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• HTTPS encryption for all data transmission
• Secure hosting with Cloudflare Pages
• Regular security updates and monitoring
• Limited access to personal data

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

8. Children's Privacy

Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions about this Privacy Policy, want to exercise your rights, or have privacy concerns, please contact us through our contact page.