Privacy Policy
Last updated: May 17, 2026
The Short Version
LoanPayoffHub does not collect, store, or transmit any personal information. All calculations run entirely in your browser. Nothing you type into any calculator ever leaves your device.
Information We Do Not Collect
We do not collect or store:
- Your name, email address, or any contact information
- Your loan balances, income, or any financial data you enter
- Account credentials (there are no accounts)
- Form submissions of any kind
- IP addresses linked to personal data
Every number you enter into a calculator is processed locally in your browser using JavaScript. No data is sent to our servers or any third-party server as a result of your calculator use.
Cookies and Local Storage
LoanPayoffHub uses browser localStorage for one purpose only: remembering your dark mode preference (light or dark). This preference is stored as a single key (lph-theme) on your device and is never transmitted anywhere. We do not use tracking cookies or session cookies of our own.
The URL hash may temporarily encode your calculator inputs so you can share or bookmark a specific scenario. This data stays in the URL in your browser and is never logged or processed by our servers.
Google AdSense and Analytics
This site displays ads served by Google AdSense. Google may use cookies and similar technologies to serve ads based on your prior visits to this site and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this and other websites on the internet.
You may opt out of personalised advertising by visiting Google Ad Settings. LoanPayoffHub also uses Google Analytics to understand aggregate traffic patterns (pages visited, session duration, device type). Analytics data is anonymised and does not include personal identifiers. See Google's Privacy Policy for full details on how Google handles this data.
Affiliate Links
Some calculators on this site include links to third-party lenders and financial products (such as SoFi, Credible, Earnest, Splash Financial, and LendKey). These are affiliate links — if you click through and apply or take an action, we may earn a commission at no additional cost to you. These relationships do not influence the calculations or the results shown by any calculator. All calculations are mathematically independent of our commercial relationships.
Affiliate links are clearly labelled as "Sponsored" in the calculator interface.
Third-Party Links
Our calculators and content may link to external websites including studentaid.gov, lender sites, and other financial resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any external site you visit.
Children's Privacy
LoanPayoffHub is intended for adults. We do not knowingly collect information from anyone under the age of 18. If you believe a minor has provided personal information through this site, please contact us so we can address it.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last updated" date at the top of this page. We encourage you to review this page periodically. Continued use of the site after changes constitutes acceptance of the updated policy.
Contact
If you have questions about this Privacy Policy, please contact us at hello@YOUR-DOMAIN.com.