Privacy Policy
Last updated: March 2026
This Privacy Policy explains how DebtClear ("we", "our", or "us") handles information when you visit our website and use our tools. We are committed to protecting your privacy and processing personal data in accordance with the General Data Protection Regulation (GDPR) and applicable data protection law.
1. Data Controller
DebtClear operates this website. If you have questions about this policy or wish to exercise your rights, use the contact form on this page.
2. Data We Collect
Our financial calculator tools run entirely within your browser. No financial input data you enter into any calculator is transmitted to our servers or stored in any system. The data never leaves your device.
We may collect the following limited technical data through standard server logs and analytics:
- IP address (anonymized within 24 hours)
- Browser type and version
- Operating system
- Pages visited and time on page
- Referring URL
3. Cookies
We use a single functional cookie to record your acceptance of this cookie banner. This cookie is named "ck" and stores only the value "1" to prevent the banner from re-displaying on subsequent visits.
We do not use advertising cookies, cross-site tracking cookies, or persistent profiling cookies. If we introduce analytics tools in the future, this policy will be updated to reflect that change before deployment.
4. Legal Basis for Processing
We process technical log data under our legitimate interest in maintaining a functional and secure website (Article 6(1)(f) GDPR). The cookie consent mechanism operates under your explicit consent (Article 6(1)(a) GDPR).
5. Data Retention
Server log data is retained for a maximum of 30 days before deletion. Cookie consent data persists in your browser's localStorage until you clear it. We do not maintain any long-term databases of user data.
6. Third-Party Services
Our pages load fonts from Google Fonts. This request is made from your browser directly to Google's servers and is subject to Google's privacy policy. We do not embed third-party advertising scripts, social media widgets, or affiliate tracking pixels.
Blog images are served from Unsplash via direct URL. Your browser may connect to Unsplash servers when loading these images, subject to Unsplash's privacy policy.
7. Your Rights Under GDPR
If you are located in the European Economic Area, you have the following rights:
- Right to access personal data we hold about you
- Right to rectification of inaccurate data
- Right to erasure ("right to be forgotten")
- Right to restrict processing
- Right to data portability
- Right to object to processing based on legitimate interests
- Right to withdraw consent at any time without affecting prior processing
Given the minimal data we collect, most requests can be resolved immediately. To exercise any right, use the contact form on this page. We will respond within 30 days.
8. Data Transfers
We do not transfer personal data outside the European Economic Area. Server infrastructure may change in the future; this policy will be updated accordingly.
9. Children's Privacy
Our services are not directed at individuals under 16 years of age. We do not knowingly collect data from children. If you believe a child has provided us with personal data, contact us and we will delete it promptly.
10. Changes to This Policy
We may update this policy to reflect changes in our practices or applicable law. Material changes will be indicated by an updated "Last updated" date at the top of this page. Continued use of the site after changes constitutes acceptance of the revised policy.