Privacy Policy
Effective Date: January 18, 2026
Last Updated: January 18, 2026
Introduction
Off the Books (“we,” “our,” or “us”) operates the website offthebooks.netlify.app (the “Site”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site and use our financial calculators.
Please read this Privacy Policy carefully. By using our Site, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site.
Information We Collect
Information You Provide
When you use our calculators, we may collect the following information that you voluntarily provide:
- Financial Information: Loan balances, home values, interest rates, credit scores, and other financial data you input into our calculators
- Contact Information: Email address (if you subscribe to our newsletter or contact us)
Information Automatically Collected
When you visit our Site, we automatically collect certain information about your device and usage:
- Usage Data: Pages visited, time spent on pages, links clicked, and other actions taken on the Site
- Device Information: IP address, browser type, operating system, device identifiers
- Cookies and Tracking Technologies: We use cookies and similar technologies to track activity on our Site and store certain information
How We Use Your Information
We use the information we collect to:
- Provide Our Services: Calculate and display personalized financial estimates based on your inputs
- Improve Our Site: Analyze usage patterns to improve calculator functionality and user experience
- Communicate With You: Send newsletters, updates, or respond to your inquiries (only if you opt in)
- Comply With Legal Obligations: Meet legal and regulatory requirements
- Prevent Fraud: Detect and prevent fraudulent or unauthorized activity
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
- Remember your preferences
- Understand how you use our Site
- Improve Site performance
- Analyze traffic and usage patterns
You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our Site.
Third-Party Analytics
We use Google Analytics to collect and analyze usage data. Google Analytics uses cookies to track your interactions with our Site. For more information about how Google uses data, visit: policies.google.com/technologies/partner-sites
You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
Third-Party Services and Affiliate Links
Affiliate Partners
Our Site contains links to third-party websites and services, including financial institutions, credit monitoring services, and mortgage lenders. When you click on these links, you may be directed to third-party sites that have their own privacy policies.
We may earn a commission when you click on affiliate links or sign up for services through our partner links. These commissions help us keep our calculators free.
We are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policies of any third-party sites you visit.
Third-Party Services We Use
- Google Analytics: Website analytics and usage tracking
- Netlify: Website hosting
- Affiliate Networks: AWIN, CJ Affiliate, Impact Radius (for affiliate link management)
How We Share Your Information
We do not sell, rent, or trade your personal information to third parties.
We may share your information in the following circumstances:
- With Your Consent: When you explicitly agree to share information (e.g., clicking an affiliate link)
- Service Providers: With trusted third-party service providers who help us operate our Site (e.g., hosting, analytics)
- Legal Requirements: When required by law, court order, or government regulation
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- Protection of Rights: To protect our rights, property, or safety, or that of our users or others
Data Security
We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information:
- Access: Request access to the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information
- Opt-Out: Opt out of marketing communications or data collection
- Do Not Track: We currently do not respond to “Do Not Track” browser signals
To exercise these rights, please contact us at admin@offthebooks.money.
Children’s Privacy
Our Site is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.
California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information is collected
- Right to know whether personal information is sold or disclosed
- Right to opt out of the sale of personal information
- Right to request deletion of personal information
- Right to non-discrimination for exercising your rights
We do not sell your personal information.
To exercise your CCPA rights, contact us at admin@offthebooks.money.
International Users
Our Site is operated in the United States. If you access our Site from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.
By using our Site, you consent to the transfer of your information to the United States.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:
- Posting the updated Privacy Policy on this page
- Updating the “Last Updated” date at the top of this policy
- Sending an email notification (if you have subscribed to our newsletter)
Your continued use of the Site after changes are posted constitutes your acceptance of the updated Privacy Policy.
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:
Summary
What we collect:
- Financial data you input into calculators (processed locally, not stored)
- Usage data and analytics (via Google Analytics)
- Email address (only if you subscribe)
How we use it:
- Provide calculator functionality
- Improve our Site
- Send newsletters (if you opt in)
What we don’t do:
- Sell your personal information
- Store your financial data on our servers
- Share your information without your consent (except as required by law)
Your rights:
- Access, correct, or delete your information
- Opt out of marketing communications
- Control cookies through your browser
Questions? Contact us at admin@offthebooks.money
This Privacy Policy is effective as of January 18, 2026.