Privacy Policy

Payoff Lab is operated by Avyth LLC, Pennsylvania, USA. Last updated: 2026-09-17.

What we collect

• Email address (only if you submit the signup form)
• Licence key (only if you paste one) — sent to api.avyth.com to verify it, and kept in this browser's storage so it stays unlocked
• Subscription proof: when your key or Avyth account is confirmed, api.avyth.com returns a short-lived signed proof (your licence or account ID, which tool it covers, and when it expires, at most 24 hours). It is kept in this browser's storage so the paid features stay unlocked, and it is replaced or removed at the next check.
• Avyth sign-in check — when the page loads, the tool asks api.avyth.com whether an Avyth account is signed in and includes it; that request carries your avyth.com sign-in cookie if you have one, and nothing else. avyth.com's own privacy policy covers your account
• Usage counts — how many times a day the site is viewed, the tool is used, Subscribe is clicked and a checkout opens; one number per day, with no visitor identifier

That list is what reaches us. Two further mechanisms are described below: the daily-rotating spam-protection code that accompanies form submissions and usage counts (“Where it lives”), and the figures this planner saves in your own browser (“What stays on your device”). We do not sell personal data, we do not run third-party advertising trackers, and we do not build cross-site profiles. Usage measurement is limited to the counts listed above: how many times a day this site is viewed, the tool is used, Subscribe is clicked and a checkout opens. Each is a single number per day — no cookie, no visitor identifier, no IP address, no third party — and it cannot be traced back to you.

What stays on your device

When you calculate a plan, this planner saves your inputs — each debt's name, balance, APR, minimum payment and any promo dates, plus your monthly budget and chosen strategy — in your browser's local storage on that device, so your figures are still there when you come back. This never leaves your device and is never sent to us. We cannot read it.

Because it persists, anyone else using the same browser profile on that computer could see it. Use the “Clear my saved figures” link on the planner to remove it at any time; clearing your browser's site data for this site removes it too. Nothing is saved until you calculate, and results are always recomputed rather than stored.

Why we collect it

To operate this product, to notify you about it if you asked us to, and to understand in aggregate how it is used so we can improve it.

Where it lives and how long

Submitted data is stored on infrastructure we control in the United States. Requests reach us through two infrastructure providers who act as processors: Vercel (site hosting) and Cloudflare (network) — both may briefly process request metadata such as IP addresses in their standard logs. We do not store your IP address; a daily-rotating pseudonymous code derived from it accompanies form submissions and usage counts for spam protection and is unreadable without our server-side secret. Email addresses are kept until you unsubscribe or ask for deletion.

Your rights

Email support@avyth.com to access, correct, or delete your data — we honor requests within 30 days, and sooner in practice. EU/UK visitors: our lawful basis is consent (forms you submit). California visitors: we do not sell or share personal information as defined by the CCPA/CPRA.

Changes

If this policy changes materially, the date above changes with it and the change is described here.