Privacy Policy

Last Updated: November 10, 2025

At PayoffHub, your privacy matters. This policy explains how we collect, use, and protect your information when you use our website.

Who We Are

PayoffHub is a personal finance resource dedicated to helping people get out of debt. Our website is located at https://payoffhub.com. If you have questions about this privacy policy, please contact us at admin@payoffhub.com.

What Information We Collect

Information You Provide

When you use our tools (like the Debt-Free Calculator), subscribe to our newsletter, or leave comments, you may provide:

  • Name and email address
  • Financial data you input into our calculators (this data is NOT stored on our servers)
  • Any information you include in comments or messages

Automatic Information

Like most websites, we automatically collect:

  • IP address
  • Browser type and version
  • Pages you visit and time spent on our site
  • Referring website

How We Use Your Information

We use your information to:

  • Provide our debt calculators and tools
  • Send you our newsletter (if you subscribe)
  • Respond to your questions and comments
  • Improve our website and content
  • Prevent spam and security issues

Important: Financial data you enter into our calculators is processed in your browser only and is NOT stored on our servers or shared with anyone.

Cookies

We use cookies to improve your experience:

  • Comment Cookies: If you leave a comment, we save your name, email, and website in cookies so you don’t have to re-enter them. These last one year.
  • Login Cookies: If you have an account, login cookies last two days. Screen preference cookies last one year.
  • Analytics Cookies: We use cookies to understand how visitors use our site via Google Analytics.

You can disable cookies in your browser settings, though some features may not work properly.

Third-Party Services

Email Marketing

If you subscribe to our newsletter, your email is stored with our email service provider, beehiiv.com. You can unsubscribe anytime.

Analytics

We use Google Analytics to understand website traffic. This service collects anonymous usage data.

Embedded Content

Our blog posts may include embedded content from YouTube, social media, or other sites. These third parties may collect data about you according to their own privacy policies.

Comments

We use Gravatar to display profile pictures in comments. Your email is sent to Gravatar (owned by Automattic) to check if you have an account. See Automattic’s privacy policy.

How Long We Keep Your Data

  • Comments: Stored indefinitely so we can auto-approve follow-up comments
  • Newsletter subscribers: Until you unsubscribe
  • Calculator data: NOT stored—processed in your browser only
  • Analytics data: Retained according to our analytics provider’s policy (typically 26 months)

Your Rights

You have the right to:

  • Access your personal data
  • Correct inaccurate information
  • Delete your data (with some exceptions for legal or security reasons)
  • Opt-out of marketing emails
  • Export your data in a portable format

To exercise these rights, contact us at admin@payoffhub.com.

Data Security

We use industry-standard security measures to protect your information, including SSL encryption. However, no method of transmission over the internet is 100% secure.

Children’s Privacy

PayoffHub is not intended for children under 13. We do not knowingly collect information from children.

Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated “Last Updated” date.

Contact Us

Questions about this privacy policy? Contact us at:

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