Privacy Policy

PayOffWise ("we," "us," or "our") is committed to protecting your privacy. This policy explains how we collect, use, and safeguard information when you use our website.

Information We Collect

PayOffWise is designed with privacy in mind. Calculator inputs are stored locally on your device via browser localStorage — we do not transmit your financial data to our servers unless you explicitly share a URL containing encoded parameters.

Automatically Collected Information

When analytics are enabled, we use Google Analytics 4 to collect aggregated usage data such as page views, calculator interactions, and general device information. This helps us improve our tools. We configure analytics to avoid sending your calculator input values to our servers.

Cookies and Similar Technologies

We use cookies and similar technologies for site functionality, analytics, and advertising (when enabled). We do not use cookies to store your financial calculator inputs. Third-party services such as Google Analytics and Google AdSense may set their own cookies subject to their privacy policies.

Third-Party Services

Our site may use the following third-party services, each governed by its own privacy policy:

• Google Analytics — usage measurement (optional, via environment configuration)
• Google AdSense — display advertising (optional, when publisher ID is configured)
• Email providers — newsletter signups if you choose to subscribe

You can opt out of personalized advertising through your Google Ad Settings or industry opt-out tools.

Your Rights

You can clear locally stored calculator data at any time by clearing your browser's localStorage or site data for PayOffWise.

Contact

For privacy-related questions, contact us at hello@payoffwise.com.