Privacy Policy

Our Privacy-First Approach

DebtCalculatorLab is privacy-first by design. We do not collect, store, or sell personal information. All calculations happen in your browser, and no data is transmitted to our servers.

What We Don't Collect

• No personal identifying information (name, address, SSN)
• No financial account details
• No credit card information
• No email addresses (unless voluntarily provided for debt relief calculator only)
• No payment information (all tools are free)

How Our Calculators Work

All debt calculations are performed locally in your web browser using JavaScript. The numbers you enter never leave your device unless you explicitly choose to share results through the debt relief calculator's optional contact form.

We use standard web analytics (similar to most websites) to understand traffic patterns and improve our calculators, but these analytics are anonymized and contain no personally identifiable information.

Debt Relief Calculator Exception

Our Debt Relief Calculator includes an optional 12-step assessment that may collect contact information (name, email, phone) only if you explicitly consent to be connected with a verified debt relief partner. This is entirely voluntary and opt-in.

If you provide contact information through this calculator, it will be shared with one pre-screened debt relief provider for consultation purposes only. You can use all other calculators without providing any personal information.

Cookies and Tracking

We use minimal cookies for site functionality and anonymous analytics. No advertising or third-party tracking cookies are used. You can disable cookies in your browser settings without affecting calculator functionality.

Your Rights

Since we don't collect personal data, there is no data to access, modify, or delete. If you provided contact information through the debt relief calculator and wish to opt out of communications, contact the debt relief provider directly or email us for assistance.

Changes to This Policy

If we make material changes to this privacy policy, we will update this page with the new effective date. Continued use of DebtCalculatorLab after changes constitutes acceptance of the updated policy.