Last updated: July 2026
1. Introduction
This Privacy Policy explains how Calculate My Debt (“we,” “us,” “our”) collects, uses, and protects information when you visit [https://www.calculatemydebt.com/] (the “Site”). By using the Site, you agree to the practices described here.
2. Information We Collect
Calculator inputs. The debt payoff calculators on this Site run entirely in your browser. The numbers you enter (balances, interest rates, minimum payments) are used only to calculate your results and are not sent to our servers or stored, unless you choose to submit them through the email capture feature described below.
Information you submit voluntarily. If you use the “Send plan” feature to email yourself a copy of your payoff plan, we collect the email address and calculator inputs you provide at that time, in order to send you that plan.
Automatically collected information. Like most websites, we automatically collect some technical information when you visit, including your IP address, browser type, device type, pages visited, and time spent on the Site. This is typically collected through analytics tools such as Google Analytics.
Cookies. We use cookies and similar technologies for analytics and to remember basic preferences (such as your selected currency on the calculator, if applicable). You can disable cookies through your browser settings; some features may not work as intended if you do.
3. How We Use Information
We use the information we collect to:
- Provide the calculator results and email delivery features you request
- Understand how visitors use the Site, so we can improve it
- Maintain the security and proper functioning of the Site
- Communicate with you if you’ve submitted your email, limited to the purpose you submitted it for, unless you separately opt in to anything further
We do not sell your personal information.
4. Third-Party Services
We use third-party services to operate this Site, which may process information on our behalf, including:
- Google Analytics (or similar), for understanding Site traffic
Each of these services has its own privacy practices, which we encourage you to review.
5. Data Retention
We retain email addresses and associated calculator data submitted through the “Send plan” feature only as long as necessary to provide that feature and respond to any related inquiries, or until you request deletion. Automatically collected analytics data is retained according to the retention settings of the analytics tool we use.
6. Your Rights
Depending on where you live, you may have rights to access, correct, or request deletion of your personal information, and to opt out of certain data processing. To make a request, contact us. We will respond within a reasonable timeframe.
7. Children’s Privacy
This Site is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.
8. Data Security
We take reasonable steps to protect the information we collect, but no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Site after changes means you accept the updated policy.
10. Contact Us
Questions about this Privacy Policy can be sent here.