Privacy Policy
Effective Date:2025
We respect your privacy and are committed to protecting any personal data you may share while using the Student Loan Repayment Calculator. This Privacy Policy explains what data we collect, how it’s used, and your rights under applicable laws, including the UK GDPR.
1. Information We Collect
We only collect information essential for providing accurate loan repayment calculations and improving our service.
- Voluntary Data: Information you manually enter (e.g. income, plan type, graduation year). This data is used only for real-time calculations and is not saved.
- Technical Data: Device and usage details such as browser type, IP address, and referral source. This is collected via cookies and used for analytics and security.
We do not ask for or store names, addresses, email addresses, or other personally identifiable information.
2. How We Use Your Information
Your information is used for the following purposes:
- Calculation: To perform student loan repayment estimates based on your inputs.
- Performance Monitoring: To assess how users interact with the site and to improve its functionality.
- Security: To detect and prevent fraud, abuse, or unauthorized access.
We do not sell, rent, or share your data with advertisers or third parties outside of essential services like analytics providers.
3. Data Storage & Retention
Your data is processed in real time and discarded immediately after your session ends. We do not store personal or calculated data on our servers unless explicitly required for a service you request (e.g. exporting or saving calculations in a user account — if applicable).
If in the future we offer user accounts or saved profiles, this policy will be updated and data will only be stored with your consent.
4. Cookies
We use a minimal set of cookies to ensure basic site functionality and to gather anonymous usage data through tools like Google Analytics. These cookies help us understand visitor behavior and improve our service.
You can control or disable cookies at any time through your browser settings. Please note that disabling cookies may affect how the site functions.
5. Third-Party Services
We may use trusted third-party services for analytics or performance tracking. These services may collect anonymized data such as IP address and session duration. Examples include:
- Google Analytics – to track website usage trends and improve UX
- Cloudflare – for DNS and security services
No personal data is shared with or stored by these services in a way that identifies you individually.
6. Your Rights (Under UK GDPR)
If you are based in the UK or EU, you have the right to:
- Access a copy of any personal data we may hold about you (note: under current design, we do not store personal data).
- Request correction or deletion of your data.
- Withdraw consent to data collection or processing.
In general, we design this service to minimize data collection and avoid storing any personal or identifiable information.
7. Data Security
We take data security seriously. All traffic to our website is encrypted using HTTPS. Any third-party service we use follows industry best practices for secure data handling.
8. Changes to This Policy
We may update this policy as our services evolve. Changes will be posted on this page with an updated "Effective Date." We recommend checking back periodically to stay informed.
9. Contact Us
If you have any questions, concerns, or requests related to this Privacy Policy, please contact us:
- Email: PayTackTime@outlook.com
- Website: PayBackTime.uk