Loan Prepay Planner

Privacy Policy

Last updated: February 28, 2026

This Privacy Policy explains how Loan Prepay Planner ("we", "us", or "our") handles information when you use our website at https://loanprepayplanner.com ("the Service"). We are committed to protecting your privacy and being transparent about our data practices.

How the Service Works

Loan Prepay Planner is a client-side financial planning tool that helps you visualize and plan loan prepayments. All loan calculations are performed entirely in your browser. Your financial data including loan amounts, interest rates, tenure, and prepayment details is never sent to our servers or any third party.

The Service also works as a Progressive Web App (PWA), meaning you can install it on your device and use it offline.

Data Stored on Your Device

We use your browser's local storage to save your loan plans and preferences (such as dark/light mode) so that your data persists between visits. This data is stored only on your device and is never transmitted to us.

You can clear this data at any time by:

  • Clearing your browser's local storage for this site
  • Uninstalling the PWA from your device

Analytics Data We Collect

We use Google Analytics (GA4) to understand how the Service is used and to improve it. Google Analytics may collect:

  • Pages you visit and how you interact with the Service
  • Device information (browser type, operating system, screen resolution)
  • Approximate geographic location (based on IP address)
  • Referring website or source
  • Session duration and page visit times

This data is collected in aggregate form and does not include any of the financial information you enter into the tool. Google Analytics may use cookies to distinguish unique users. You can learn more about how Google uses data at Google's Privacy Policy and opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Cookies

The Service may use the following types of cookies:

  • Analytics Cookies: Set by Google Analytics to collect anonymous usage statistics. These are persistent cookies that help us understand traffic patterns.
  • Functionality Cookies: Used to remember your preferences such as theme mode (dark/light). These are stored in your browser's local storage.

You can control or disable cookies through your browser settings. Note that disabling cookies may affect the analytics functionality but will not impact the core loan planning features.

Data We Do Not Collect

To be clear, we do not:

  • Collect, store, or transmit your financial data (loan amounts, interest rates, prepayment details)
  • Require you to create an account or register
  • Collect your name, email address, or other personal identifiers
  • Sell or share personal information with third parties for advertising
  • Send you emails, push notifications, or marketing communications

Children's Privacy

The Service is not directed at children under the age of 13. We do not knowingly collect personal information from children. Since the Service does not require registration or personal data input, the risk of inadvertent collection is minimal.

Third-Party Links

The Service may contain links to external websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies.

Data Security

Since your financial data never leaves your device, it remains under your control. For analytics data processed by Google, we rely on Google's security measures. No method of electronic transmission is 100% secure, but the privacy-by-design approach of our Service minimizes the data at risk.

Your Rights

Under applicable privacy laws, including India's Digital Personal Data Protection Act, 2023, you have the right to:

  • Access and delete your locally stored data by clearing browser storage
  • Opt out of analytics tracking using the Google Analytics Opt-out Add-on or browser settings
  • Contact us with any privacy-related questions or concerns

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this Privacy Policy, you can contact us: