Privacy Policy

Your financial data stays on your device. Always.

What We Collect

owepad.com does not collect, store, or transmit any of your financial information. All calculations happen entirely in your web browser. Your debt details never leave your device.

Local Storage

We use your browser's localStorage to remember your calculator inputs between visits. This data is stored only on your device and is never sent to our servers or any third party. You can clear this data at any time by clearing your browser storage or using the "Start Over" button.

Analytics

If you accept the consent banner, we use Google Analytics to understand aggregate usage patterns (e.g., which pages are most popular). Analytics data is anonymous and does not identify you personally. You can decline analytics at any time via the consent banner.

Advertising

We may display non-intrusive advertisements to support the free tool. Ad partners may use cookies for ad personalization if you consent. You can decline ad tracking via the consent banner.

Third-Party Services

We use Google Analytics for aggregate traffic analysis. No other third-party services have access to your data.

Children's Privacy

owepad.com is not directed at children under 13. We do not knowingly collect information from children.

Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated date.

Contact

If you have questions about this privacy policy, please open an issue on our GitHub repository.