Privacy Policy

1. Who We Are

OverpayCalc ("we", "us", "our") operates the website at overpaycalc.com. We provide free, browser-based financial calculators including mortgage overpayment, loan repayment, EMI, and debt payoff tools.

For privacy-related enquiries, you may contact us via our Contact page.

2. Information We Collect

2.1 Information You Enter Into the Calculator

All financial figures you enter — loan amounts, interest rates, repayment terms, and overpayment values — are processed entirely within your browser. This data is never sent to our servers, never stored in a database, and never shared with third parties.

2.2 Automatically Collected Data

When you visit our website, we may automatically receive standard web server log information, including:

• Your IP address (anonymised where possible)
• Browser type and version
• Operating system
• Referring URL and pages visited
• Date and time of visit

This data is used solely for security, performance monitoring, and aggregate analytics. It is not linked to any personally identifiable information.

2.3 Local Storage

We use your browser's localStorage to save your currency and language preferences so your experience is consistent across visits. This data remains on your device and is never transmitted to us.

3. How We Use Your Information

We use the limited data we collect to:

• Operate and maintain the website securely
• Monitor and analyse website performance and usage trends
• Detect and prevent fraudulent or malicious activity
• Comply with legal obligations

We do not use your data for advertising, profiling, or any purpose beyond what is listed above.

4. Cookies

OverpayCalc does not use tracking cookies or advertising cookies. We may use strictly necessary functional cookies to ensure the website operates correctly. These cookies do not identify you personally and are not used for marketing purposes.

You can control or disable cookies through your browser settings. Disabling cookies will not affect the core calculator functionality.

5. Third-Party Services

We may use the following third-party services, each governed by their own privacy policies:

• Google Fonts — to load our website typography. Google may log basic request data.
• Font Awesome (via CDN) — to display icons on the website.
• Cloudflare — for CDN and security services, which may process server logs.

We encourage you to review the privacy policies of these third-party providers if you have concerns about their data practices.

6. Your Rights Under GDPR

If you are located in the European Economic Area (EEA) or United Kingdom, you have the following rights regarding your personal data:

• Right of Access: You may request a copy of the personal data we hold about you.
• Right to Rectification: You may request correction of inaccurate data.
• Right to Erasure: You may request deletion of your personal data where there is no legitimate reason to continue processing it.
• Right to Restrict Processing: You may request that we limit the processing of your data in certain circumstances.
• Right to Data Portability: You may request that your data be provided in a machine-readable format.
• Right to Object: You may object to our processing of your personal data.

Given the minimal nature of data we collect, most of these rights may not be practically applicable. To exercise any right, please contact us via our Contact page.

7. Data Retention

We do not retain your financial calculator inputs — they exist only in your browser memory during your session and are cleared when you close the tab or browser. Server log data, where collected, is retained for a maximum of 90 days for security purposes.

8. Data Security

We take reasonable technical and organisational measures to protect any data we process. Our website uses HTTPS encryption for all connections. Since we do not store financial data on our servers, the risk of a data breach affecting your financial information is effectively zero.

9. Children's Privacy

OverpayCalc is not directed at children under the age of 16. We do not knowingly collect personal data from children. If you believe a child has provided us with personal information, please contact us and we will take steps to delete that information promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will update the "last updated" date at the top of this page. We encourage you to review this page periodically. Continued use of the website after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please reach out via our Contact page. We aim to respond to all enquiries within 30 days.