Privacy Policy
Last updated: January 2025
Your Privacy Matters
At PayoffHub, we take your privacy seriously. This policy explains what information we collect, how we use it, and your rights regarding your data.
Calculator Data
Your financial data stays on your device. Our debt payoff calculator runs entirely in your web browser. The loan information you enter (balances, APRs, payments) is never sent to our servers. All calculations happen locally on your computer or phone.
Email Reports
If you choose to receive an email report of your payoff plan:
- We collect your email address to send the report
- We store a temporary copy of your plan data (for 7 days) to generate the web-viewable report
- We may send you occasional updates about PayoffHub (you can unsubscribe anytime)
- We never sell your email address to third parties
Analytics
We use basic analytics to understand how people use our site (which pages are popular, etc.). This helps us improve PayoffHub. We don't track individual users or collect personally identifiable information through analytics.
Cookies
We use minimal cookies necessary for the site to function. We don't use tracking cookies or share data with advertising networks.
Third-Party Services
We use the following third-party services:
- Netlify - Website hosting
- SendLayer - Email delivery for reports
Each of these services has their own privacy policy governing how they handle data.
Your Rights
You have the right to:
- Request deletion of your email from our list
- Unsubscribe from emails at any time
- Request information about what data we have about you
Contact Us
If you have questions about this privacy policy or your data, please reach out through our website or social media channels.
Changes to This Policy
We may update this privacy policy from time to time. We'll note the "Last updated" date at the top of this page when we make changes.