Privacy Policy: 100% On-Device Client-Side Processing

Summary of Our Privacy Commitments

Your debt numbers never leave your browser. All entered balances, interest rates, account names, and repayment scenarios are calculated and stored strictly within your browser's local sandbox (localStorage).

We use Google Analytics (gtag.js) solely for anonymous, aggregated website traffic statistics to understand which tools are used most frequently.

1. Zero Financial Data Transmission

When you enter your credit card balances or test extra monthly payments, those numbers are never transmitted to our servers, third-party lenders, credit bureaus, or lead generators. If you clear your browser cache or click "Reset", all data is permanently erased from your device.

2. Analytics & Performance Telemetry

We use Google Analytics to monitor general metrics such as page views, device types, and referral paths. Google Analytics collects anonymized IP addresses and usage patterns, but is completely separate from the debt calculator input fields.

3. Advertising Disclosures (Google AdSense)

To keep our tools completely free without charging subscriptions, we may display ads supplied by Google AdSense. Google and third-party vendors use cookies to serve ads based on prior visits to this or other websites. Users may opt out of personalized advertising by visiting Google Ads Settings.

4. Legal Contact Information

For questions or privacy inquiries, contact our data operator: J3 Information Technology, 1320 Arrow Point Dr, Suite 501, Cedar Park, TX 78613, or email support@j3info.com.