Privacy Policy

1. Overview

Prepay Loan Calculator ("we", "our", or "us") operates the website prepayloancalculator.com. We are committed to protecting your privacy. This policy explains what information we collect, how we use it, and your rights with respect to that information.

All loan calculations performed on this site are done entirely within your browser using JavaScript. No calculation inputs or financial data are ever transmitted to our servers or stored.

2. Google AdSense & Advertising Cookies

We use Google AdSense to display advertisements on our site to keep our financial tools 100% free.

• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website or other websites.
• Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to our site and/or other sites on the Internet.
• Users may opt out of personalized advertising by visiting Google Ad Settings or aboutads.info.

3. Analytics & Third-Party Services

We work with trusted third-party analytics services to analyze website performance and usage patterns:

• Google Analytics (GA4) — collects anonymized page view statistics, session duration, device type, and geographic region to help us understand site usage.
• Vercel Analytics — collects privacy-friendly, aggregated metrics about page performance and load times.

4. Cookies and Web Beacons

A cookie is a small piece of text stored on your device by your web browser. While Prepay Loan Calculator itself does not place persistent cookies, third-party services (such as Google AdSense and Google Analytics) set cookies to deliver ad services and gather aggregate traffic data.

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in your internet security software.

5. Data Sharing

We do not sell, trade, or rent any user data to third parties. We do not maintain a database of personal user financial information.

6. Children's Privacy (COPPA Compliance)

Our website is aimed at adults seeking financial guidance. We do not knowingly collect personal identifiable information from children under 13.

7. Your Rights (GDPR & CCPA/CPRA)

Under the European General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA), users have rights regarding their data. Since all calculation data remains local to your browser, you can clear browser history and cookies at any time to remove local session data. You can manage Google data at myaccount.google.com.

8. Contact Us

If you have any questions regarding this Privacy Policy, please contact us via our Contact Page or by emailing support@prepayloancalculator.com.