Privacy Commitment

Last updated: November 2026 • 100% Client-Side Privacy Guarantee

Executive Summary: We do not collect, store, sell, or transmit your mortgage or financial data. Ever.

1. 100% In-Browser Execution

PayoffKit is engineered as a static client-side web application. When you adjust the loan balance, interest rate, term, or extra payments, the calculations are executed entirely within your device's web browser using client-side JavaScript. No calculation parameters or financial figures are ever sent to remote servers or third-party APIs.

2. Local Storage and URL State

To ensure you do not lose your calculation parameters when refreshing the page, PayoffKit optionally saves your latest values into your browser's private localStorage. This data never leaves your device. If you use the "Shareable Link" feature, the parameters are serialized into the URL fragment in your address bar so you can bookmark or share the link manually.

3. No Tracking Cookies or Third-Party Ad Networks

PayoffKit does not utilize behavioral tracking cookies, Facebook pixels, or third-party advertising tracking scripts. We do not sell user data to mortgage brokers, loan officers, lead aggregators, or financial institutions.

4. PDF and CSV Export Generation

When you click "Export PDF Audit" or "Export CSV Table," the files are compiled in-memory using pure client-side libraries (jsPDF). The resulting documents are generated locally and downloaded directly by your browser without any server processing.

5. Contact and Inquiries

If you have any questions regarding this privacy policy or our technical implementation, please email our security desk at payoffkit@gmail.com.