Website privacy

Calculator inputs

Calculations happen in your browser, without an account or a calculation server. Inputs are held in the current page. They are not sent to Google Analytics. Creating a share link is optional. Its URL contains your debt names, amounts and other inputs. Anyone with the link can read them. Shared URLs can also appear in browser history and hosting request logs. Do not put information you want to keep private in a shared link.

Visit counts

We count visits with Cloudflare Web Analytics. It uses no cookies and no local storage, and it does not fingerprint visitors. It records the page path, the referring site, browser and device type, country and page load times. It does not load on shared calculator links or in automated browsers. To leave your own visits out, open any page with ?analytics=off: this browser then remembers one value in its local storage until you open a page with ?analytics=on.

Optional analytics

Google Analytics 4 is loaded only when a measurement ID is configured and you accept analytics cookies. Refusing does not limit the website. We do not load analytics on shared calculator links, which carry a plan in the URL. Other pages send only the page path and campaign (utm) parameters, plus clicks on App Store links with their campaign label. Browsers requesting Do Not Track or Global Privacy Control are also excluded. Analytics can process sanitized page paths, referring page paths, browser and device information and approximate location. Advertising storage, personalization and Google Signals are disabled.

Your choice and browser storage

If analytics is configured, use Cookie settings in the footer to change your choice. The essential local storage key debtweb-analytics-consent-v1 remembers your choice. Optional _ga cookies may be stored by Google after consent. Withdrawing consent disables analytics, removes accessible Google Analytics cookies and reloads the page. You can also remove cookies in your browser settings.

Hosting and external links

The website has no user accounts and no database. It stores nothing you enter on a server, and the calculators run in your browser. Netlify hosts the site and processes the request and security information needed to serve it. App Store links include a campaign label and may include an App Store Connect provider token. Following a link opens Apple’s service. We do not send debt inputs to the iPhone app.

The iPhone app

The app has its own storage and service integrations, including purchases, analytics and diagnostics. This website policy does not replace the app privacy policy.

Questions and choices

Contact the developer for questions or requests about personal data. Depending on your location, you may have rights to access, correction, deletion, restriction, withdrawal of consent and a complaint to a local data protection authority.