Privacy Policy

Last updated: June 2026

CreditPayCalc ("we," "us," or "our") operates the website creditpaycalc.com (the "Site"). This Privacy Policy explains how we collect, use, and protect information when you visit our Site. By using this Site, you agree to the practices described in this Privacy Policy.

Information We Collect

Our Site is designed to be a simple, client-side tool. We do not require you to create an account or provide personal information to use our credit card payoff calculator. All calculations are performed in your browser, and the data you enter (credit card balances, interest rates, payment amounts) is never transmitted to or stored on our servers.

However, we do collect certain non-personal information automatically:

Browser type and version
Operating system
Pages visited on our Site
Time and date of your visit
Referring website (how you found us)
Approximate geographic location (country and region level)

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and to serve relevant advertisements. The types of cookies we use include:

Essential cookies: Required for the basic functionality of the Site
Analytics cookies: Help us understand how visitors use our Site so we can improve it
Advertising cookies: Used by our advertising partners to display relevant ads
Preference cookies: Remember your settings and choices on the Site

You can control or disable cookies through your browser settings. However, disabling cookies may affect the functionality of the Site.

Google AdSense and Advertising

We use Google AdSense to display advertisements on our Site. Google AdSense is a third-party vendor that uses cookies and similar technologies to serve ads based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and/or other sites on the Internet.

You may opt out of personalized advertising by visiting Google's Ads Settings page at https://www.google.com/settings/ads. You can also opt out of personalized advertising by downloading the Digital Advertising Alliance's AppChoices app or visiting www.aboutads.info/choices/.

Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website or other websites. Google's use of advertising cookies allows it and its partners to serve ads to our users based on their visit to our site and/or other sites on the Internet.

Google Analytics

We may use Google Analytics to collect and analyze usage data about our Site. Google Analytics collects information such as how often users visit the Site, what pages they visit, and what other sites they used prior to visiting. Google Analytics does not identify individual users. You can review Google's Privacy Policy at https://policies.google.com/privacy.

How We Use Information

We use the non-personal information we collect for the following purposes:

To analyze and improve the content and functionality of our Site
To understand how visitors use our Site and which pages are most popular
To display relevant advertisements through Google AdSense
To monitor and prevent fraud or abusive activity
To comply with legal obligations

Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share non-personal, aggregated information with our advertising partners and analytics providers for the purposes described above. We may also disclose information when required by law or to protect our rights and safety.

GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR). These rights include:

Right to access: You can request a copy of your personal data
Right to rectification: You can request correction of inaccurate data
Right to erasure: You can request deletion of your personal data
Right to restrict processing: You can request limited use of your data
Right to data portability: You can request your data in a machine-readable format
Right to object: You can object to certain processing of your data
Right to withdraw consent: You can withdraw consent at any time

Since our Site operates primarily as a client-side tool and does not collect personal data beyond what is necessary for advertising and analytics, the personal data we process is minimal. To exercise any of these rights, please contact us using the information below.

We use a Consent Management Platform (CMP) to obtain and manage your consent for cookies and data processing where required by applicable law. Depending on your region, you may see a consent banner when you first visit our Site, allowing you to accept or reject non-essential cookies.

CCPA Compliance (California Users)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These rights include:

Right to know: You can request information about the personal data we collect and how it is used
Right to delete: You can request deletion of your personal data
Right to opt-out: You can opt out of the sale or sharing of your personal data
Right to non-discrimination: We will not discriminate against you for exercising your privacy rights

To exercise your CCPA rights, please contact us using the information provided below. Please note that since we do not sell personal data and primarily process anonymous data, the impact of these rights is limited.

Data Security

We implement appropriate technical and organizational measures to protect the information we collect. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

All calculations performed on our Site run entirely in your web browser. The financial data you enter into the credit card payoff calculator (balances, APRs, payment amounts) is never transmitted to our servers or stored anywhere outside your device.

Children's Privacy

Our Site is not directed to children under the age of 13. 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 take appropriate action.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. Any changes will be posted on this page with an updated revision date. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: 18999737@qq.com
Website: https://creditpaycalc.com

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