Privacy Policy

Information We Collect

Information You Voluntarily Provide

Newsletter Subscriptions: Email address when you subscribe to our financial tips newsletter
Contact Forms: Name, email, and message content when you contact us
Feedback: Any feedback or suggestions you choose to share

Information We Do NOT Collect

Loan Details: Your loan amounts, interest rates, or payment information entered in our calculator
Financial Information: Bank account numbers, credit scores, or other sensitive financial data
Personal Identifiers: Social security numbers, driver's license numbers, or other government IDs

Automatically Collected Information

Usage Analytics: General website usage statistics (pages visited, time spent, device type)
Technical Information: Browser type, operating system, and IP address for security purposes
Performance Data: How our calculator and website perform to help us improve

How We Use Your Information

Email Communications

If you subscribe to our newsletter, we'll send you periodic financial tips, debt payoff strategies, and updates about our calculator. You can unsubscribe at any time using the link in every email.

Customer Support

Information from contact forms is used solely to respond to your questions and provide support. We don't use this information for marketing unless you separately opt-in to our newsletter.

Website Improvement

Anonymous usage data helps us understand how people use our calculator and website, allowing us to make improvements and fix problems.

Your Calculator Data is Private

Important: All loan calculations happen entirely in your web browser. When you enter your loan amount, interest rate, or extra payment information:

This information never leaves your device
It's not transmitted to our servers
We have no way to see or access your loan details
Nothing is stored in databases or logs
Clearing your browser cache removes all traces

Information Sharing and Disclosure

We Do Not Sell Your Information

We never sell, rent, or trade your personal information to third parties for marketing purposes.

Service Providers

We may share information with service providers who help us operate our website (like email services for newsletters or analytics tools), but only to the extent necessary and under strict confidentiality agreements.

Legal Requirements

We may disclose information if required by law, court order, or to protect the rights, property, or safety of our users or others.

Cookies and Tracking Technologies

Cookie Consent

By continuing to use our website, you consent to the use of cookies as described in this policy. You can manage your cookie preferences at any time through your browser settings.

Essential Cookies

We use essential cookies to make our website function properly. These cookies are necessary for:

Remembering your calculator settings during your session
Maintaining website security
Enabling basic website functionality

Analytics and Performance Cookies

We use analytics tools (including Google Analytics) to understand how visitors use our site:

Page views and navigation patterns
Calculator usage statistics
Device and browser information
Geographic location (country/region level)
Site performance and error tracking

This data is anonymized and aggregated to protect your privacy.

Advertising Cookies

We use Google AdSense to display relevant advertisements. These cookies help:

Display ads relevant to your interests
Limit the number of times you see an ad
Measure ad campaign effectiveness

Managing Your Cookie Preferences

You have full control over cookie settings:

Browser Settings: Configure your browser to block or delete cookies
Opt-Out Tools: Use Google's Ad Settings to manage ad personalization
Do Not Track: We respect Do Not Track signals from your browser

Note: Disabling cookies may affect some website functionality, particularly calculator features that remember your preferences.

Third-Party Cookies

Some cookies are placed by third-party services that appear on our pages. We do not control these cookies. Please refer to the respective privacy policies of these third parties for more information.

Data Security

We take reasonable measures to protect your information from unauthorized access, alteration, disclosure, or destruction:

Website secured with SSL/TLS encryption
Regular security updates and monitoring
Limited access to personal information by staff
Secure data storage and transmission practices

Your Privacy Rights

You have the right to:

Access: Request information about data we have about you
Correction: Request correction of inaccurate information
Deletion: Request deletion of your personal information
Unsubscribe: Opt-out of email communications at any time
Portability: Request your data in a portable format

To exercise these rights, please contact us at privacy@extrapaymentcalculator.com

International Users

Our website is hosted in the United States. If you're accessing our site from outside the US, please be aware that your information may be transferred to, stored, and processed in the United States.

We comply with applicable privacy laws including GDPR for EU users and CCPA for California residents.

Children's Privacy

Our service is not intended for children under 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately.

Changes to This Policy

We may update this privacy policy from time to time. When we do:

We'll post the updated policy on this page
We'll update the "Last modified" date at the top
For significant changes, we may notify newsletter subscribers
Your continued use of our website constitutes acceptance of changes

Contact Us

If you have questions about this privacy policy or how we handle your information, please contact us:

Company: Extra Payment Calculator

Location: Shenzhen, China

Email: privacy@extrapaymentcalculator.com

Support Email: support@extrapaymentcalculator.com

Subject Line: Privacy Policy Question

Response Time: We'll respond within 48 hours

As a provider of virtual financial calculation tools and educational content, we operate exclusively online. All support and communication are handled electronically through the contact methods listed above.

Quick Summary - What You Need to Know