Privacy Policy

At PayoffCraft ("we", "us", or "our", accessible at payoffcraft.com), your privacy is not an afterthought—it is the architectural foundation of our platform. We believe financial tools should empower you without tracking your financial life.

1. The Zero-Server Financial Data Guarantee

The most critical aspect of our service is how we handle your numbers:

When you use our Home Loan EMI, Credit Card Payoff, 1099 Tax, or Settlement calculators, none of your financial parameters ever leave your device or reach our hosting servers. Closing or refreshing your browser tab instantly wipes all computed memory.

2. Compliance with India's Digital Personal Data Protection (DPDP) Act, 2023

In strict adherence to India’s Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000:

• No Sensitive Personal Data (SPD) Collection: PayoffCraft never prompts for, collects, stores, or processes government identifiers such as Permanent Account Numbers (PAN), Aadhaar numbers, bank account numbers, credit card CVVs, or OTPs.
• No User Account or Registration Required: Users are never coerced into creating an account, sharing an email address, or submitting a mobile number to use any calculator or access any article.
• Consent & Purpose Limitation: If you choose to contact us via email, your correspondence email is utilized solely to address your query and is never shared, rented, or repurposed for marketing campaigns.

3. Compliance with US Privacy Laws (CCPA / CPRA / CalOPPA)

Under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• We Do Not Sell or Share Your Personal Information: PayoffCraft does not sell, rent, or trade user data or financial profiles to third-party data brokers, marketers, or lead generation firms.
• Right to Know and Delete: Because we operate a stateless, client-side calculator architecture, we retain zero personal financial records. If you email us, you maintain the right to request the deletion of your email correspondence at any time.
• Non-Discrimination: We provide identical calculator accuracy, functionality, and page speed to all users regardless of their privacy selections.

4. Cookies, Web Beacons, and Hosting Infrastructure

A. Cloudflare Edge Hosting & Security Logs

PayoffCraft is hosted via Cloudflare Pages. Cloudflare automatically processes standard server connection metadata (such as IP addresses, browser user agent strings, and HTTP request headers) strictly for distributed denial-of-service (DDoS) protection, SSL encryption, and edge routing. These logs are operational and are not tied to personal identities.

B. Google AdSense & DART Cookies

Third-party vendors, including Google, may use cookies to serve ads based on a user's prior visits to this or other websites. Google's use of advertising cookies enables it and its partners to serve ads to our 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 Ads Settings or by visiting aboutads.info.

C. Affiliate Tracking Cookies

When you voluntarily click an external affiliate link (such as a credit card or refinancing application card), the destination partner network (e.g., Impact, FlexOffers, CJ Affiliate, EarnKaro) may place a session tracking cookie in your browser to attribute the referral. These cookies are subject to the individual privacy policies of the respective merchant or affiliate network.

5. Children's Online Privacy Protection (COPPA)

PayoffCraft is designed for adult borrowers, freelancers, and financial decision-makers. We do not knowingly collect or solicit personal data from children under the age of 13 (or under 18 in India without parental consent). If you believe a minor has submitted personal info to us, please notify us immediately for prompt deletion.

6. International Data Transfers & GDPR Notice

If you access the Platform from the European Economic Area (EEA) or the United Kingdom, our processing of operational server logs is grounded in legitimate interests under GDPR Article 6(1)(f) (ensuring system security and availability). Because calculator processing is executed entirely within your client browser, no personal financial data transfer occurs across international borders.

7. Contact the Privacy Officer

For inquiries regarding our privacy policies, data protection practices, or compliance inquiries, please contact:

Privacy & Compliance Team
PayoffCraft
Email: [email protected] or [email protected]