Privacy Policy
Last updated: 3 May 2026
Introduction
This Privacy Policy explains how the website at student-loan-payoff-strategy-comparer.hub2.day handles information when you visit or use it. The site is a focused, independent web utility that lets you compare the total interest paid and psychological milestones of the Avalanche, Snowball, and Hybrid debt payoff methods for a specific set of debts. Because the site is static and focused, it tries to collect only what is needed to operate and improve the experience.
Information you provide
You may enter debt amounts, interest rates, minimum payments, and other payoff details directly in your browser. These project inputs are processed locally in your browser and are not transmitted to the site operator by default. If you choose to contact the operator, any information you send by email is provided voluntarily and used only to respond to your request.
Contact email
If you email hello@student-loan-payoff-strategy-comparer.hub2.day, your message content, email address, and any attachments are visible to the operator. Email is used only for communication about the site and is not sold or used for marketing. Email is transmitted and stored by third-party email providers, so no special confidentiality should be assumed beyond what those providers support.
Server and security logs
The site uses server and security logs to maintain reliability and protect against abuse. Logs may include technical data such as IP addresses, request paths, timestamps, browser type, and error information. Logs are used for operational, diagnostic, and security purposes only and are retained for a limited period.
Cookies and local storage
The site may use cookies or browser local storage for basic functionality and for advertising purposes. Functional storage may be used to remember interface preferences or state. Advertising cookies may be set by third-party advertising partners, including Google AdSense, if you consent where required. You can control cookies and local storage in your browser settings.
Google AdSense and advertising
The site may display ads through Google AdSense, including auto ads. Ad partners may use cookies and similar technologies to serve ads based on prior visits to this site or other sites. These partners may collect information such as your IP address, browser type, and pages visited to deliver and measure ads. The site operator does not control the data practices of advertising partners.
GDPR, EEA, and UK consent
If you are located in the European Economic Area or the United Kingdom, non-essential cookies and advertising trackers are only used after you give consent where required by law. You can accept or reject non-essential cookies through the consent interface provided on the site. Essential cookies needed for basic operation may still be used. You can withdraw consent at any time by changing your cookie preferences or adjusting your browser settings.
CCPA and CPRA-style choices
If you are a California resident, you may have rights under the CCPA/CPRA regarding the sale or sharing of personal information and the use of certain advertising cookies. The site does not sell personal information in the traditional sense, but advertising partners may use cookies in ways that could be considered a sale or sharing under California law. You can limit this by rejecting advertising cookies in the consent interface or using browser controls.
Service providers
The site relies on third-party service providers for hosting, analytics, advertising, and email. These providers process data on behalf of the site operator and may have their own privacy policies. No provider is authorized to use your data for its own independent marketing purposes beyond delivering services to the site.
Data retention
Browser-local project inputs are retained only in your browser and are not stored by the site unless you explicitly submit them. Server and security logs are retained only as long as needed for operations, security, and troubleshooting. Contact emails are retained only as long as needed to handle your request and maintain basic records.
Children
The site is not directed to children under 13, and the operator does not knowingly collect personal information from children. If you believe a child has provided personal information by email, contact hello@student-loan-payoff-strategy-comparer.hub2.day so the information can be reviewed.
Security
The site uses reasonable technical measures to protect the operation of the site and server logs. However, no website can guarantee perfect security, especially for information sent by email or processed in your browser. You should avoid sending sensitive personal or financial details by email unless you are comfortable with the inherent risks.
Third-party links
The site may link to external websites for reference or convenience. Third-party sites have their own privacy practices, and the operator is not responsible for their content or data handling. Review the privacy policies of any external sites you visit.
International processing
The site is operated from one jurisdiction, but visitors may access it from anywhere in the world. If you use the site from outside the operator’s country, your information such as server logs and any emails you send may be processed in a different jurisdiction with different laws.
Contact
For privacy questions or requests, contact hello@student-loan-payoff-strategy-comparer.hub2.day. The operator will make reasonable efforts to respond to legitimate requests in accordance with applicable law.