Plain language, no legalese padding

Privacy Policy

This page explains, in plain terms, what happens to the loan numbers you type into this site, and what this site collects (or doesn't collect) about your visit. Short version: every calculation runs entirely in your browser, nothing you type is sent to a server, and there is no account, login or tracking cookie on this site.

What happens to the numbers you enter

The loan calculator does its math entirely inside your browser, using JavaScript. Your loan amount, interest rate and term are never sent to a server, never logged, and never stored in any database on this site. There is no form anywhere on this site that transmits your calculator inputs anywhere.

This is a direct consequence of how the site is built: it is a static site with no backend that receives, processes or stores what you type. There is no infrastructure on this site's side capable of receiving those numbers, even if someone wanted to.

Theme preference and saved calculator values

The only thing this site saves on your device is your light/dark theme preference and your last entered calculator values, stored in your browser's localStorage. This does not identify you, is never sent to any server, and only exists so the page can remember your numbers on your next visit. You can clear it at any time by clearing this site's data in your browser.

The feedback button

Below the calculator there is an optional thumbs-up / thumbs-down feedback button. Clicking it sends an anonymous signal (just the vote count, no information that identifies you, no tracking cookie) to this site's backend, purely so the count can be tallied, and the stored vote record itself never contains your IP address. Your IP address may be read momentarily by an anti-abuse rate limiter to block spam requests, but it is not stored alongside the vote. A local marker in your browser prevents you from being asked to vote again repeatedly, but that marker does not identify you personally, it only stops a second vote from the same browser.

Anonymous engagement measurement

This site measures a small set of anonymous, aggregate engagement signals so the tool itself can be improved: how quickly a visitor starts interacting with the page after it loads, whether the calculator was actually used (a result was produced), whether a visitor left again within 10 seconds without interacting at all, and roughly how long a visitor stayed on the page (bucketed into ranges, not an exact duration). It also records a coarse category for where a visit came from (Google, Bing, a direct link, or "other"), never the full referring URL or any search terms.

None of this identifies you: there is no cookie, no session identifier, and no browser fingerprinting anywhere in this measurement. Your IP address may be read momentarily by an anti-abuse rate limiter to block spam requests, but it is never stored in the measurement data itself. Each page view is treated as a standalone, anonymous event sent once when you leave the page, using your browser's built-in sendBeacon mechanism to this site's own backend (not a third-party tracker). It cannot be linked back to a specific visitor, a specific device, or your calculator inputs.

Cookies

This site does not use advertising tracking cookies or third-party profiling cookies. The only local storage used is the localStorage mentioned above, for theme preference and calculator values, which is technically not a cookie and is not automatically sent to any server with every request, unlike a traditional cookie.

Hosting and infrastructure

This site is hosted on Cloudflare's network, which processes the technical requests needed to deliver the page to your browser (source IP address, browser type, request time), the same way any hosting provider does. That technical infrastructure data falls under Cloudflare's own privacy policy as the network operator, and is not accessed, exported or combined by this site to identify visitors individually.

What this site does not do

To be explicit rather than vague: there is no user account system, no login, no email newsletter signup, no advertising network, no remarketing pixel, and no sale or sharing of visitor data, or the loan numbers you enter, with data brokers, lenders, or anyone else. This site does not connect to your bank, your lender, or any credit bureau, and it cannot see your actual accounts or apply for a loan on your behalf. The calculator is the entire functionality of this site, and it does not require, request, or benefit from collecting personal or financial information, so none is collected.

Changes to this policy

If this policy ever changes, for example if a new feature is added that changes what data is collected, this page will be updated to describe the change. Since this site does not collect an email address or any way to contact visitors directly, there is no notification mechanism beyond this page itself, checking back here is the way to see the current version.

Contact

Questions about this policy can be sent to contact@loan-calculator.xyz.

Frequently asked questions

Do you store my loan amount or interest rate?

No. Every number you enter stays in your browser and is used only to run the calculation on your own device. Nothing is sent to a server or saved anywhere except, optionally, your own browser's local storage so the page can remember it next time you visit.

Do you sell or share my data?

There is nothing to sell or share. This site does not collect personal or financial information in the first place, there is no database of visitor inputs to sell from.

Does this site connect to my bank or a lender?

No. This is a standalone calculator with no connection to any bank, lender, credit bureau, or financial account. It only does math on the numbers you type in.