Privacy Policy

Your privacy matters to us. CapitalizedInterest.com is committed to protecting your personal information. We built this site with one core principle: we collect as little data as possible, and we never sell or share your information with third parties.

1. What Information We Collect

Information You Voluntarily Provide

When you use our Capitalized Interest Calculator, all calculations are performed entirely in your browser. Your loan details — including balance, interest rate, and deferment period — are never sent to our servers.

If you choose to subscribe to our email list or download a PDF report, we may collect:

• Email address — to send you the report and occasional updates
• Optional: Your loan details (if you voluntarily share them)

You can unsubscribe at any time using the link at the bottom of every email.

Automatically Collected Information

Like most websites, we collect basic usage data to understand how visitors interact with our site:

• IP address (anonymized where possible)
• Browser type and version
• Pages visited and time spent
• Referring website (how you found us)

This data is collected via Google Analytics and is used solely to improve our content and user experience. We do not attempt to identify individual visitors.

Cookies

We use minimal cookies. Our cookie usage includes:

• Google Analytics — to track aggregate usage (you can opt out via Google's opt-out tool)
• Essential cookies — for basic site functionality

You can control cookie settings in your browser at any time.

2. How We Use Your Information

We use the limited information we collect for these purposes:

• To provide and improve our tools — analyzing usage helps us make the calculator and guides better
• To send you requested materials — when you subscribe or request a PDF, we send it to your email
• To send occasional updates — with your consent, we may send emails about new tools or resources
• To comply with legal obligations — if required by law

We never sell, rent, or share your personal information with third parties for marketing purposes.

3. Third-Party Services We Use

We use a few trusted third-party services to operate the site. Each is GDPR and CCPA compliant:

• Google Analytics — for anonymous usage tracking (Google's Privacy Policy)
• Google AdSense — for display advertising (you can control your ad preferences here)
• Cloudflare — for CDN and security (anonymized IP addresses)

Our affiliate links (such as Credible, SoFi, and Earnest) are clearly labeled as sponsored. When you click an affiliate link, you leave our site and are subject to that partner's privacy policy.

4. Your Rights

Depending on your location, you may have rights regarding your personal information:

• Right to access — request what data we hold about you
• Right to deletion — request we delete your data
• Right to correction — request we correct inaccurate data
• Right to opt out — unsubscribe from emails at any time
• Right to data portability — request a copy of your data in a machine-readable format

To exercise any of these rights, contact us and we'll respond within 30 days.

5. Data Security

We take reasonable precautions to protect your information:

• HTTPS encryption — all data transmitted between your browser and our server is encrypted
• Minimal data retention — we keep only what's necessary
• No sensitive data storage — we never store loan details or financial information

While no system is 100% secure, we continuously review and improve our security practices.

6. Children's Privacy

Our site is not intended for children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us and we will delete it promptly.

7. Changes to This Policy

We may update this privacy policy from time to time. When we do, we'll update the "Last Updated" date at the top of this page. We encourage you to review this page periodically for any changes.

Significant changes will be announced via our email list or a notice on our homepage.

8. Contact Us

If you have any questions about this privacy policy or how we handle your data, please contact us.