Privacy Policy
Last Updated: January 2025
DebtCalculatorLab ("we," "our," or "us") respects your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our debt calculators.
Information We Collect
Information You Provide
When you use our calculator, you provide:
- Financial Information: Debt amount, interest rates, monthly payments, income, expenses, employment status, debt age, payment status
- Contact Information: Name, email, phone number (only if you choose to see results)
- Location: State or province (for jurisdiction-specific information)
- Optional Information: Hardship factors, debt type
Information Automatically Collected
- Usage Data: Pages viewed, time spent, clicks, navigation patterns
- Device Information: Browser type, operating system, device type
- IP Address: For security and analytics purposes
- Cookies: See Cookies section below
How We Use Your Information
- To generate your personalized debt relief estimate
- To display calculator results and recommendations
- To share with one verified partner (only if you explicitly opt in)
- To improve our calculators and user experience
- To analyze usage patterns and site performance
- To comply with legal obligations
Information Sharing
Opt-In Sharing Only
We only share your contact information with a verified debt relief partner if you explicitly check the optional consent box. You can view your results without opting in. Consent is not required to use the calculator.
We DO share your information with:
- One verified debt relief partner (only if you opt in)
- Service providers who help operate our website (hosting, analytics)
- Legal authorities if required by law
We DO NOT:
- Sell your information to third parties
- Share your information with marketers or data brokers
- Send unsolicited marketing emails
- Share your information without your consent (except as legally required)
Data Security
We protect your information using industry-standard security measures:
- Encryption: SSL/TLS encryption for all data transmission
- Secure Storage: Data stored on secure servers
- Access Controls: Limited employee access on need-to-know basis
- Regular Reviews: Periodic security audits and updates
However, no internet transmission is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Cookies and Tracking
We use cookies and similar technologies to:
- Remember your calculator inputs as you navigate between questions
- Analyze site usage with Google Analytics
- Improve user experience and site performance
You can disable cookies in your browser settings, but this may affect calculator functionality.
Your Rights
Depending on your location (California, Canada, etc.), you may have rights to:
- Access: Request a copy of your personal information
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your information
- Opt-Out: Opt out of information sharing
- Data Portability: Receive your data in portable format
To exercise these rights, contact us using the information below. We'll respond within required timeframes.
Data Retention
We retain your information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. If you request deletion, we'll remove your information within 30 days (except where retention is legally required).
Children's Privacy
Our services are not intended for anyone under 18. We do not knowingly collect information from children. If you believe we've collected information from a minor, contact us immediately.
Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Continued use after changes indicates acceptance.
Contact Us
For questions about this Privacy Policy or to exercise your rights, contact:
LENURA VENTURES INC.
Email: privacy@debtcalculatorlab.com