Privacy policy

The short version

You can use everything on this site without creating an account. Our calculators and the Find Your Situation tool run entirely in your browser — what you type or click in them is not stored by us or sent to our servers. We do not sell personal information for money.

What we collect

Analytics, if enabled. Analytics is optional and controlled by a single environment variable set at build time — it does not run at all unless a given deployment configures it. When it is enabled, we use privacy-conscious settings (IP anonymization, no advertising features configured by us) to understand which guides help people — page views, general location at the country/region level, and named interaction events such as “a template was viewed.” We do not log what you type into any tool.

Email, if you give it. If we offer downloads or updates by email, the form will say exactly what you’ll receive, and consent is never a condition for reading content. You can unsubscribe at any time.

Contact messages. If you email us, we keep the message so we can respond and fix reported errors.

Cookies

Our own code never sets a cookie. If analytics is enabled, Google’s script sets its own first-party cookies in your browser (typically _ga and _ga_<container-id>) to tell repeat visits apart — those are set by Google’s code that we load, not by anything we wrote ourselves, and we add no advertising, cross-site, or fingerprinting cookies of our own.

“Sale” and “sharing,” precisely

We never sell personal information for money, and we never rent it. But under the CPRA’s broader definition, optional analytics can still count as a “share” even without payment, because it discloses data to a third party (Google) whose downstream use of it we don’t fully control. We say so plainly, and give you a real, working opt-out, on Your Privacy Choices — including how to make that opt-out permanent using Global Privacy Control.

What we never do

We never run third-party advertising trackers; never require an account to read education; and never use what you enter in an educational tool for marketing.

Your state-law rights

If you live in California, Virginia, Colorado, Connecticut, or Utah, you have specific rights over your personal information — access, deletion, correction (where the law grants it), and opt-out of sale or sharing. See the State Law Privacy Notice for the exact rights your state grants and how to exercise them; we don’t run a separate portal, so every request comes through the same contact page a correction would.

Accessibility

We build toward WCAG 2.2 AA and disclose what we’ve verified and what we haven’t on our Accessibility Statement, including how to report a barrier.

Links to other sites

We link heavily to official sources (CFPB, FTC, courts) and to Credit Llama, a related product that has its own privacy policy. This policy covers only this site.

Contact

Questions about privacy, or a request under your state’s privacy law: see the contact page.