Privacy Policy
Last updated: 14 October 2026
1. Calculator Data Processing
Calculator inputs are processed locally in your browser. The calculator does not intentionally send or store the values you enter.
2. Email Subscription
If you subscribe to Payoff Signal, your email address is collected and processed through Beehiiv, our newsletter service provider, for the purpose of sending newsletters and related publication communications. Beehiiv separately processes newsletter subscriptions, may use operational or security technologies on its embedded form, and remains the authoritative source of truth for subscription confirmation and email engagement. You can unsubscribe at any time using the unsubscribe link included in our emails.
3. Web Analytics & Measurement
Payoff Signal uses Umami Cloud for aggregate website measurement. The Umami tracking script does not use analytics cookies, and our configuration is technically restricted to collect data only on our production domain (payoffsignal.com).
Umami records aggregate information such as pageviews, referring sources, approximate browser and device categories, and a limited set of approved interaction-event names. These approved custom events measure newsletter-form visibility and high-level calculator interaction categories (such as preset selection and broad verdict band).
Calculator financial inputs, exact output amounts, user numbers, email addresses, and free-text entries are never sent to Umami. Our Umami analytics data is configured in the European Union region, and data under our current Hobby plan is subject to a six-month retention period.
Note: This section describes our technical architecture and intentional implementation constraints, rather than constituting a universal legal conclusion across all international jurisdictions.
4. Hosting & Server Logs
Standard technical logs (such as request timestamps and HTTP status codes) may be collected by hosting infrastructure for operational reliability, security, and traffic diagnosis.
5. Contact
For privacy inquiries regarding Payoff Signal, please contact the publication via our official channels.