The short version: PayoffPath does not collect, store, or sell your personal data. All calculator inputs stay in your browser and are never sent to our servers. We serve ads through Google AdSense, which uses cookies to show relevant advertising.
PayoffPath ("we," "us," or "our") operates the website located at payoffpath.co. We provide a free debt payoff calculator to help individuals compare debt repayment strategies.
If you have questions about this policy, contact us at: privacy@payoffpath.co
PayoffPath is designed with your privacy in mind. We do not collect:
All calculator inputs are processed entirely within your browser. No data is transmitted to our servers.
Like most websites, our hosting provider may automatically collect basic technical information when you visit, including:
This information is used in aggregate to understand how visitors use the site and to improve the user experience. It is not linked to any personally identifiable information.
PayoffPath uses Google AdSense to display advertisements. Google AdSense is a third-party advertising service operated by Google LLC. This section explains how Google AdSense works and your choices regarding personalized advertising.
We use Google AdSense to serve ads on PayoffPath. Google AdSense uses cookies and similar tracking technologies to serve ads based on your prior visits to this website and other websites across the internet.
How Google AdSense uses data:
Your choices: You may opt out of personalized advertising by visiting Google's Ads Settings. You can also opt out of a third-party vendor's use of cookies by visiting NetworkAdvertising.org.
For more information on how Google collects and uses data, please review Google's Privacy Policy.
PayoffPath itself does not set first-party cookies. However, Google AdSense and any other third-party services we use may set cookies on your device. A cookie is a small text file stored on your device that helps websites remember information about your visit.
You can control and delete cookies through your browser settings. Note that disabling cookies may affect the functionality of advertising on this site. For instructions on managing cookies, visit your browser's help documentation.
PayoffPath is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information through our site, please contact us and we will promptly delete it.
Our site may contain links to external websites, including resources referenced in our content and links within advertisements served by Google AdSense. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.
If you are a California resident, you have the right to know what personal information we collect about you, request deletion of your personal information, and opt out of the sale of your personal information.
PayoffPath does not sell personal information. Since we collect minimal data (no personally identifiable information), most CCPA rights are satisfied by our default practices. To make a privacy request, contact us at privacy@payoffpath.co.
If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR), including the right to access, correct, or delete personal data we hold about you.
Our legal basis for processing the limited technical data collected automatically is legitimate interest in operating and improving the website. For advertising served by Google AdSense, Google acts as a data controller and processes data according to its own privacy policy and consent mechanisms.
To exercise your GDPR rights or for questions, contact: privacy@payoffpath.co
We may update this Privacy Policy from time to time. When we do, we will revise the "last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of PayoffPath after changes are posted constitutes your acceptance of the revised policy.
If you have questions or concerns about this Privacy Policy or our data practices, please contact us: