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Last updated: April 2026

Privacy Policy

At PlanMyDebt.com (“we”, “us”, or “our”), we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website and use our tools.

Because we provide financial calculators, we believe in absolute transparency about how your data is handled. The most important thing to know is that the financial data you enter into our calculators never leaves your device.

1. How Our Calculator Handles Your Data (Local Storage)

When you use the PlanMyDebt.com calculator to enter your debts, balances, interest rates, and minimum payments, that data is not sent to our servers, nor is it stored in any database we control.

Instead, the calculator uses a web technology called Local Storage. This means your financial data is saved directly within your own web browser on your specific device (phone, tablet, or computer). This allows you to close the website and return later without losing your plan.

Because this data never touches our servers:

  • We cannot see your debts.
  • We cannot share or sell your financial data.
  • If you switch to a different device or browser, your data will not sync.

How to delete your calculator data: You can instantly delete all your saved debt data at any time by clearing your browser's cache and site data, or by using the “Clear Data” option within the tool (if available).

2. Information We Collect Automatically

While we do not collect your financial data, we do automatically collect certain technical information when you visit the site to help us understand how it is used and to keep it secure. This includes:

  • Device and Usage Data: Information such as your IP address, browser type, operating system, referring URLs, pages viewed, and the dates/times of your visits.
  • Analytics Data: We use Google Analytics to measure website traffic and user behaviour. This data is aggregated and anonymised, meaning it cannot be used to identify you personally.

3. Cookies and Tracking Technologies

PlanMyDebt.com uses cookies (small text files placed on your device) and similar tracking technologies to improve your experience, analyse site traffic, and serve relevant advertisements.

Types of cookies we use:

  • Essential Cookies: Required for the website to function properly.
  • Analytics Cookies: Used by Google Analytics to help us understand how visitors interact with the site.
  • Advertising Cookies: Used by our advertising partners (such as Google AdSense or Ezoic) to serve ads that may be relevant to your interests based on your prior browsing history.

Managing Cookies: You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some parts of our website may not function properly. You can also opt out of personalised advertising by visiting Google's Ad Settings.

4. Third-Party Advertising and Affiliate Links

Advertising: We use third-party advertising companies to serve ads when you visit our website. These companies may use aggregated information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

Affiliate Links: PlanMyDebt.com may contain affiliate links to third-party products or services (such as debt consolidation loans or balance transfer cards). If you click on these links and make a purchase, we may earn a commission. We do not control the privacy practices of these third-party sites, and we encourage you to read their privacy policies before providing them with any personal information.

5. Your Data Protection Rights (GDPR & CCPA)

Depending on your location, you may have certain rights regarding your personal data, including:

  • The right to access: You have the right to request copies of your personal data.
  • The right to rectification: You have the right to request that we correct any information you believe is inaccurate.
  • The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
  • The right to restrict processing: You have the right to request that we restrict the processing of your personal data.

Note: Because we do not collect or store the financial data you enter into the calculator, we cannot provide, correct, or delete that specific data. You must manage that data yourself by clearing your browser's local storage.

6. Children's Privacy

PlanMyDebt.com is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us so that we can take necessary actions.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last updated” date at the top. You are advised to review this Privacy Policy periodically for any changes.

8. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Email: [email protected]