CalcPayoff Debt & Credit Calculators

Privacy Policy

Last updated: May 2025  ·  Effective date: May 2025

The short version: CalcPayoff calculators run entirely in your browser. We do not collect, store, or transmit any of the financial information you enter. Nothing you type ever leaves your device.

1. Who We Are

CalcPayoff ("we", "us", or "our") operates the website at calcpayoff.com. We provide free debt and credit calculators for informational purposes. You can contact us at info@nexustechnologies.app.

2. Information We Do Not Collect

All calculations on CalcPayoff are performed entirely within your web browser using JavaScript. This means:

  • Your credit card balances, interest rates, income, debts, and other financial figures are never sent to our servers.
  • We have no server-side database that stores your inputs or results.
  • We cannot see, access, or recover anything you enter into our calculators.
  • No account or login is required, and none is ever created.

3. Information We Do Collect Automatically

When you visit our website, certain information is collected automatically through third-party services we use:

  • Google Analytics (GA4): We use Google Analytics to understand how visitors use our site in aggregate — for example, which calculators are most used, how long people spend on the page, and what devices they use. This data is anonymised and cannot be linked back to you personally. You can opt out at tools.google.com/dlpage/gaoptout.
  • Google AdSense: We display advertisements served by Google AdSense. Google may use cookies and similar technologies to show you relevant ads based on your prior browsing activity. This is governed by Google's Privacy Policy. You can manage your ad personalisation settings at adssettings.google.com.

4. Cookies

We do not set any first-party cookies. Third-party cookies may be set by Google Analytics and Google AdSense as described above. These cookies help us understand site performance and enable advertising. Most browsers allow you to block or delete cookies through their settings.

5. Affiliate Links

Some calculator result pages include links to third-party financial products (such as personal loans or savings accounts). These are affiliate or sponsored links, clearly labelled as such. Clicking these links may result in us receiving a commission if you apply for or purchase a product. We are not responsible for the privacy practices of third-party websites — please review their privacy policies before submitting any personal information.

6. Children's Privacy

CalcPayoff is not directed at children under 13. We do not knowingly collect any personal information from children. If you believe a child has provided personal information to us, please contact us at info@nexustechnologies.app and we will take appropriate action.

7. Data Transfers

Because we do not collect personal financial data, there is no transfer of your calculator inputs to any party. Third-party services (Google Analytics, Google AdSense) may transfer anonymised usage data internationally in accordance with their own policies and applicable data transfer frameworks.

8. Your Rights

Depending on your location, you may have rights regarding personal data including the right to access, correct, delete, or restrict processing of data we hold about you. Because we hold no personal financial data about you, most such requests will not be applicable. For any questions about your rights, contact us at info@nexustechnologies.app.

9. California Privacy Rights (CCPA)

If you are a California resident, you have the right to know what personal information we collect and how it is used. As stated above, we collect no personal financial information through our calculators. Third-party advertising data is governed by Google's privacy policy. We do not sell personal information.

10. GDPR — European Users

If you are located in the European Economic Area, our lawful basis for processing any automatically collected analytics data is our legitimate interest in understanding how our free tools are used. You can withdraw consent for analytics cookies at any time via your browser settings or the Google Analytics opt-out tool linked above.

11. Third-Party Links

Our site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before submitting any personal information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page indicates when it was last revised. Continued use of our website after any changes constitutes your acceptance of the updated policy.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us: