Privacy Policy

Last updated: November 2026

1. Introduction

At PayoffCraft ("we", "our", or "us"), accessible from https://payoffcraft.com, the privacy of our visitors is of paramount importance. This Privacy Policy document outlines the types of information that is collected and recorded by PayoffCraft and how we use it.

2. Financial & Calculator Data Privacy

We do not collect, store, or transmit any financial data entered into our calculators. All mathematical evaluations—including income, hourly rates, deductions, and loan balances—are processed entirely on the client-side within your device's web browser. None of this sensitive information is sent to our servers.

3. Log Files

PayoffCraft follows a standard procedure of using log files through our hosting provider (Cloudflare). These files log visitors when they visit websites. The information collected by log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable.

4. Cookies and Web Beacons

Like any other website, PayoffCraft uses "cookies". These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

5. Google DoubleClick DART Cookie & Third-Party Advertising

Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL: https://policies.google.com/technologies/ads.

6. Affiliate Disclosure

PayoffCraft may participate in select affiliate marketing programs. If you click on an affiliate link and subscribe to or purchase a product (such as accounting or loan refinancing tools), we may receive a commission at no additional cost to you.

7. Contact

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us at support@payoffcraft.com.