Privacy Policy

Our Data Philosophy

CreditPayCalc was built with a simple principle: your financial data never leaves your device. All calculators run entirely in your browser using JavaScript. We do not transmit, store, or have access to any numbers you enter.

What We Do NOT Collect

• Calculator inputs: Balances, APRs, payments — never transmitted
• Personal identifiers: No names, addresses, SSNs, or account numbers
• Cookies: Only a single preference cookie for dark mode
• Analytics: No Google Analytics, no tracking pixels, no session recording

Advertising ( future)

After our site is reviewed and approved by Google AdSense, we may display relevant, non-intrusive ads. AdSense may use cookies to serve personalized ads. You can opt out at any time via Google's Ads Settings. We never share your calculator inputs with advertisers.

Third-Party Links

Our site links to .gov and .org resources (CFPB, Federal Reserve, NFCC, FTC). These external sites have their own privacy policies. We are not responsible for their content or data practices.

Changes to This Policy

We may update this policy as our site evolves. Changes will be posted on this page with a new effective date. Last updated: January 2026.

Contact

Questions about our privacy practices? Email us at 18999737@qq.com.