Should I Pay Off Loan
Privacy Policy

Last Updated: 5/30/2025

1. Our Commitment to Your Privacy

Welcome to Should I Pay Off Loan? (the "Service"). Your privacy is critically important to us. This Privacy Policy outlines how we handle information when you use our Service.We do not collect, store, sell, or share any of your personal information or financial data.

2. No Information Collected

The Service is designed to provide financial analysis without requiring you to submit any personal data to us. All information you enter into the interview form (such as loan amounts, interest rates, investment details, etc.) is processed exclusively within your web browser on your device.

  • No User Accounts: The Service does not require user registration or login.
  • No Server-Side Storage: The financial data you input is not transmitted to, stored on, or processed by our servers. It remains in your browser's memory for the duration of your session on the relevant pages.
  • No Cookies for Tracking: We do not use cookies for tracking your activity across websites or for collecting personal information. Any cookies used are strictly for essential site functionality, if any, and not for user identification or tracking.
  • No Analytics Collection (Personal Data): We do not use analytics tools that collect personally identifiable information.

3. How Your Information is Used (Locally)

The information you provide is used solely for the purpose of generating the financial analysis and recommendations displayed to you within the Service. This processing happens in real-time in your browser. If you navigate away from the results page or close your browser tab, the information is typically discarded by your browser unless you have used the "Download Summary" feature.

4. Downloaded Summaries

The Service offers a feature to download your analysis summary as a PDF or TXT file. This file is generated in your browser and downloaded directly to your device. We do not keep a copy of this summary. The security and storage of this downloaded file are your responsibility.

5. Third-Party Services

The Service does not integrate with any third-party services that would result in your personal data being shared. Any external links provided in the "Additional Resources" section are for informational purposes only. We are not responsible for the privacy practices of these external sites.

6. Children's Privacy

The Service is not intended for use by children under the age of 13, and we do not knowingly collect any information from children under 13. Given that we do not collect personal information, this is inherently protected.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us via the information available on shivamber.com.