Legal

Privacy Policy

Last updated: March 10, 2026

Introduction

Welcome to EndLifeDebt ("we," "our," or "us"). We operate the website endlifedebt.online (the "Site"). This Privacy Policy explains how we collect, use, and protect information when you visit our Site.

We respect your privacy and are committed to protecting any data that may be collected through your use of our Site. We do not require you to create an account, provide personal information, or sign up to use our calculators.

Information We Collect

Information You Provide

Our calculators run entirely in your browser. The financial data you enter (loan amounts, interest rates, income, etc.) is processed locally on your device and is never sent to our servers, stored in any database, or shared with anyone.

Automatically Collected Information

When you visit our Site, we may automatically collect certain information through third-party analytics services, including:

Google Analytics: We use Google Analytics 4 to understand how visitors use our Site. This service may collect information such as your IP address (anonymized), browser type, device type, pages visited, time spent on pages, and referring website. Google Analytics uses cookies to track this information.

Cookies

Cookies are small text files placed on your device by websites you visit. Our Site may use the following types of cookies:

Essential Cookies: Required for the Site to function properly. These do not collect personal data.

Analytics Cookies: Used by Google Analytics to distinguish users and track site usage patterns. These help us understand which pages are most popular and how visitors navigate our Site.

Advertising Cookies: If we display advertisements on our Site (such as through Google AdSense), third-party advertising networks may use cookies to serve ads based on your prior visits to our Site or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

You can control and manage cookies through your browser settings. Please note that disabling cookies may affect the functionality of some parts of our Site. When you first visit our Site, you may be presented with a cookie consent banner allowing you to accept or decline non-essential cookies.

Legal Basis for Processing (GDPR)

If you are a visitor from the European Economic Area (EEA) or the United Kingdom, we process your data under the following legal bases as defined by the General Data Protection Regulation (GDPR):

—Consent: When you accept cookies through our cookie consent banner, you provide consent for analytics and advertising cookies to be placed on your device.
—Legitimate Interest: We have a legitimate interest in understanding how visitors use our Site so that we can improve our tools and content. This includes analyzing aggregated, anonymized traffic data.
—Legal Obligation: We may process data when required to comply with applicable laws.

You may withdraw your consent at any time by clearing your cookies or using browser settings to block future cookies. Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.

How We Use Information

We use the automatically collected information solely to:

—Understand how visitors use our Site so we can improve it
—Analyze traffic patterns and trends
—Monitor and maintain the performance of our Site
—Develop new features and tools based on user behavior

Data Retention

Since we do not collect personal data directly, our data retention is limited to the third-party services we use:

—Google Analytics: Data is retained for 14 months, after which it is automatically deleted. We have configured Google Analytics to use the shortest available retention period.
—Server Logs (Vercel): Basic server access logs may be retained by our hosting provider for up to 30 days for security and performance monitoring.

We do not retain any financial data you input into our calculators. All calculator data exists only in your browser session and is deleted when you close the page.

Third-Party Services

Our Site may use or integrate the following third-party services:

Google Analytics — for website traffic analysis. Google's privacy policy can be found at policies.google.com/privacy.

Google AdSense — for displaying advertisements. Google may use cookies to serve ads based on your interests. Learn more at Google Ad Technologies.

Affiliate Links — some links on our Site may be affiliate links. When you click on these links and make a purchase or complete an action, we may earn a commission at no additional cost to you. Affiliate links are clearly disclosed on the relevant pages. These third-party sites have their own privacy policies, and we encourage you to review them.

Vercel — our Site is hosted on Vercel. Vercel may collect basic server logs. Vercel's privacy policy can be found at vercel.com/legal/privacy-policy.

Links to Third-Party Sites

Our Site may contain links to third-party websites or services (including affiliate links and advertisements) that are not owned or controlled by EndLifeDebt. We assume no responsibility for the content, privacy policies, or practices of any third-party sites. We strongly encourage you to review the privacy policy of every site you visit. Clicking on a third-party link will direct you away from our Site, and we are not responsible for any data collected by those external sites.

Data Sharing

We do not sell, trade, or rent your personal information to third parties. We do not have access to any financial data you enter into our calculators, as all calculations are performed locally in your browser.

Data Security

Our Site is served over HTTPS, ensuring that all data transmitted between your browser and our servers is encrypted. Since we do not collect or store personal financial data, the risk of a data breach affecting your financial information is minimized.

Do Not Track Signals (CCPA/CPRA)

Some web browsers transmit "Do Not Track" (DNT) signals to websites. At this time, our Site does not respond to DNT signals. However, you can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

If you are a California resident, you have the right under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) to:

—Know what personal information is collected about you
—Request deletion of your personal information
—Opt out of the sale or sharing of your personal information
—Not be discriminated against for exercising your privacy rights

We do not sell personal information. If you wish to exercise any of these rights, please contact us through the information provided at the bottom of this policy.

Children's Privacy (COPPA Compliance)

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13, in compliance with the Children's Online Privacy Protection Act (COPPA). If you are a parent or guardian and believe that your child has provided us with personal information, please contact us so we can take appropriate action to delete such information.

Your Rights

Depending on your location, you may have the right to:

—Access the personal data we hold about you
—Request correction of inaccurate data
—Request deletion of your data
—Object to or restrict the processing of your data
—Request portability of your data
—Opt out of analytics tracking by using browser extensions such as Google Analytics Opt-out
—Opt out of personalized advertising through Google Ads Settings
—Lodge a complaint with a supervisory authority (for EEA/UK residents)

International Data Transfers

Our Site is hosted on servers that may be located outside your country of residence. If you are accessing our Site from the European Economic Area, United Kingdom, or other regions with laws governing data collection and use, please note that your data may be transferred to and processed in countries that may not provide the same level of data protection as your home country. By using our Site, you consent to such transfers.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this page periodically for the latest information on our privacy practices. Continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.

Contact Us

If you have any questions about this Privacy Policy, wish to exercise your data rights, or have concerns about our practices, you can reach us through our website: