This Privacy Policy describes how AutoLoanTruth.com ("we", "us", or "the site") handles information when you visit. We've kept it plain-English and honest. If you have questions, contact us at contact@autoloantruth.com.
1. What We Collect Directly
Almost nothing. The loan calculator on this site is fully client-side — every number you type into it (car price, down payment, income, etc.) stays in your browser. We do not transmit, store, or have access to any of the values you enter or the results the calculator produces.
We do not require accounts, do not collect email addresses, do not run forms, and do not use server-side analytics that profile individual users.
2. What Third Parties Collect
Google AdSense
We use Google AdSense to display advertisements. Google and its ad partners use cookies and similar technologies to serve ads based on a user's prior visits to this site and other sites on the internet. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.
You can opt out of personalized advertising by visiting Google's Ads Settings or, for participating networks, aboutads.info.
For more information about how Google uses information from sites or apps that use its services, see How Google uses information from sites or apps that use our services.
Hosting Provider (Netlify)
This site is hosted on Netlify, which automatically keeps standard server logs containing information such as IP address, browser type, referring page, and timestamp. These logs are used for security, performance, and abuse prevention. Netlify's privacy practices are described at netlify.com/privacy.
Content Delivery Networks
We load the Chart.js charting library from jsDelivr (cdn.jsdelivr.net). When your browser requests this script, the CDN provider may record standard request information. No user-identifying data is sent.
3. Cookies
Cookies are small pieces of data stored in your browser. This site uses two categories:
- Strictly necessary: None set by us directly. The site functions without any cookies we control.
- Advertising: Google AdSense and its partners may set cookies for ad delivery, frequency capping, and measurement. These are set under the
doubleclick.net,googlesyndication.com, andgoogle.comdomains.
You can control or block cookies through your browser settings. Doing so will not break the calculator but may result in less relevant advertising.
4. Your Rights
For Users in the European Economic Area, UK, and Switzerland (GDPR)
When you first visit, you'll see a consent banner asking permission for personalized advertising. You can decline, and ads will be served in a non-personalized form. You have the right to access, correct, or delete personal data, and to lodge a complaint with your local data protection authority.
The legal basis for processing under GDPR is your consent for advertising cookies, and our legitimate interest in security and service operation for server logs.
For California Residents (CCPA/CPRA)
California residents have the right to know what personal information is collected, request deletion, and opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising. To exercise these rights, contact contact@autoloantruth.com. We do not knowingly sell personal information for monetary consideration; however, the use of advertising cookies may qualify as "sharing" under CPRA.
Universal Opt-Out
We honor the Global Privacy Control (GPC) signal where applicable.
5. Children's Privacy
This site is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take appropriate action.
6. Data Retention
Because we do not collect personal information directly, we have nothing to retain. Server logs maintained by our hosting provider are retained according to that provider's policy.
7. Security
The site is served exclusively over HTTPS. While no internet transmission is ever 100% secure, we use industry-standard practices to protect the integrity of the site.
8. 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. Material changes will be highlighted on the home page for a reasonable period.
9. Contact
For privacy questions or to exercise your rights described above, contact contact@autoloantruth.com.