Privacy Policy

Last updated: July 8, 2026

Calculator inputs

All calculators on PayoffRoute run entirely in your web browser. The financial information you enter — balances, rates, home values, payments — is never stored, logged, or transmitted to our servers or anyone else's. When you close the page, it's gone.

Information we collect automatically

Like most websites, our hosting provider may collect standard technical logs (IP address, browser type, pages visited, referring page) for security and performance purposes. We may use privacy-respecting aggregate analytics to understand which tools are useful. We do not collect names, email addresses, or account information — there are no accounts.

Advertising

This site may display advertising served by third parties such as Google AdSense. Advertising partners may use cookies or 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 personalized ads; you can opt out of personalized advertising at Google Ads Settings. Users in the EEA/UK may be shown a consent dialog before any advertising cookies are set.

Cookies & local storage

If you use the light/dark theme toggle, your preference is saved in your browser's local storage so the site remembers it on your next visit. This single setting stays on your device and is never transmitted anywhere.

PayoffRoute itself does not set cookies for its core functionality. Third-party advertising or analytics services, where present, may set their own cookies as described above. You can block or delete cookies in your browser settings at any time without affecting the calculators.

Links to other sites

Our content may link to external websites. We are not responsible for the privacy practices of other sites and encourage you to read their policies.

Children's privacy

This site is not directed at children under 13 and we do not knowingly collect personal information from anyone.

Changes to this policy

We may update this policy as the site evolves (for example, when advertising or analytics services are added). Material changes will be reflected in the "last updated" date above.

Contact

Questions about this policy? Reach us via the contact page.