Privacy Policy
Calculator Entries and Downloads
The calculators process amounts in browser memory. The site code does not send debt names, balances, rates, or mortgage entries to our server or analytics. The calculators do not save entries after a refresh. Your browser may separately restore form values or keep downloaded files.
Worksheet PDFs are available without signing up. Excel exports and PDFs are saved to your device when requested.
Analytics and Advertising Choices
We store your Accept All or Decline preference in local storage under hkb_ck. On a fresh visit, our consent loader waits for Accept All before requesting Google Analytics or the AdSense script. Decline keeps those scripts disabled. Use Cookie choices in the footer to reopen the controls. Changing from acceptance to decline reloads the page to stop further loading; it does not erase cookies already set by Google.
Google Analytics may collect page addresses, navigation events, browser/device information, approximate location, and calculator completion/export events such as the number of debts. Our event code does not include your amounts or debt names. Analytics identifiers and online activity may be personal information; we do not describe this collection as anonymous.
AdSense account verification is present. Ads may be served if Google approves and enables them. Google and its partners may use cookies or similar identifiers to personalize or measure ads according to applicable settings. Read Google advertising information and ad preferences. The preference banner is not a statement that every regional advertising consent requirement has been met.
Hosting and Third Parties
Our hosting provider may process IP addresses, requested paths, browser details, and timestamps to deliver and protect the site. Chart and Excel libraries load from jsDelivr and Cloudflare CDN; those providers receive normal request information when a library loads.
External sites have their own privacy policies. We do not sell your calculator entries. Any affiliate relationship should be disclosed with the relevant link.
Email and Privacy Requests
There is no worksheet email signup on this site. If you use the Contact page to email us, your provider and ours process the message and address you send. We use that information to reply. Do not include account numbers or sensitive financial documents.
Use the Contact page for questions, corrections, or deletion requests. We can act only on information we hold and may need details to identify a request.
Children and Changes
The site is intended for a general audience and does not knowingly collect information from children under 13. Changes to this policy will be posted here with an updated date.