Privacy Policy
Last Updated: April 11, 2025
Welcome to Credit Card Payoff Tracker ("we," "us," or "our"). We are committed to protecting your privacy and ensuring your data is handled responsibly. This Privacy Policy explains how we collect, use, and protect your information when you use our website, fastcardpayoff.com (the "Site").
1. Information We Collect
We collect the following types of information:
- Information You Provide: When you use our credit card payoff tracker, you may enter information such as credit card names, balances, interest rates, minimum payments, due dates, statement close dates, and credit limits. This data is stored locally in your browser using localStorage and is not transmitted to our servers.
- Automatically Collected Information: We use Google AdSense to display ads on our Site. Google AdSense may collect data such as your IP address, browser type, device information, and browsing behavior to serve personalized ads. This data is subject to Google’s Privacy Policy (https://policies.google.com/privacy).
- Cookies and Tracking Technologies: We and our third-party partners (e.g., Google AdSense) use cookies and similar technologies to enhance your experience, serve ads, and analyze site usage. Cookies may store information about your preferences and browsing activity.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide Our Services: The credit card data you enter is used solely to calculate your debt payoff plan, credit utilization, and payment schedules. This data is stored locally in your browser and is not accessed by us.
- To Serve Ads: Google AdSense uses your data to display relevant ads. We earn revenue from these ads to support the operation of the Site.
- To Improve Our Site: We may use anonymized data to analyze site usage and improve our services.
3. How We Protect Your Information
We take your privacy seriously. Since your credit card data is stored locally in your browser, it is not transmitted to our servers. However, please note:
- You are responsible for securing your device and browser to prevent unauthorized access to your localStorage data.
- Third-party services like Google AdSense may collect and store data according to their own privacy policies. We do not control how third parties handle your data.
4. Cookies and Opt-Out Options
We use cookies to enhance your experience and serve ads. You can manage your cookie preferences through your browser settings:
- Disable Cookies: You can disable cookies in your browser, but this may affect the functionality of the Site (e.g., ads may not display properly).
- Opt-Out of Personalized Ads: You can opt out of personalized ads from Google AdSense by visiting Google’s Ads Settings (https://adssettings.google.com).
5. Third-Party Links
Our Site contains links to third-party websites (e.g., affiliate links, news articles). We are not responsible for the privacy practices of these sites. Please review their privacy policies before providing any personal information.
6. Your Rights
Depending on your location, you may have rights regarding your personal data, such as the right to access, correct, or delete your data. Since we do not collect or store your personal data on our servers, you can manage your data directly in your browser:
- Delete Data: You can clear your localStorage data by clearing your browser’s cache or deleting saved cards in the tracker.
- Third-Party Data: For data collected by Google AdSense, refer to Google’s Privacy Policy for information on your rights and how to exercise them.
7. Children’s Privacy
Our Site is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us, and we will take appropriate action.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy periodically.
9. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
- Email: [Insert your contact email]
- Contact Page: Contact Us