Legal

Privacy Policy

Last updated: October 2026

This is the privacy notice for loanmetra.com, operated by LoanMetra ("we", "us"). It covers the information we deal with and the options open to you. Briefly: the loan amount, rate, term and repayments are computed locally and never leave your machine.

Which tool this covers

LoanMetra is a loan calculator that shows the payment, total interest and payoff date for a loan and models what an extra or early repayment saves. It amortises the balance month by month, charging interest at the annual rate divided by twelve and applying your payment, then repeats the run with any extra repayment so the interest and time the overpayment removes are shown directly. Everything below concerns that specific calculation and the values it involves, and nothing beyond it.

In day-to-day use the tool works only from the loan amount, rate, term and repayments, and it is usually opened for things like comparing two loan offers. None of that reaches us, so none of it can be stored.

What you enter

The tool runs entirely client-side. What you type is used locally and only locally: there is no server round-trip, no log line, and no record kept anywhere but on your own screen for as long as the page is open.

The rights you have

You may have statutory rights over personal data — to access, amend, erase or object to its processing, depending on your jurisdiction. You can exercise them by writing to us; in most cases there will be no stored data to act on.

Changes to this policy

If the way we handle data ever changes, this page will be revised and the date at the top adjusted accordingly. Continuing to use the site after an update means you accept the revised policy.

Technical data gathered automatically

The hosting layer sees what any web server sees — client address, requested path, user agent, time — and that is the limit of it. None of those records contains the values you type into the loan calculator, because those never reach the server.

Cookies and advertising

The only cookie we set ourselves is a small preference flag for the consent notice. Advertising is served by third parties, and those partners may place their own cookies to tailor the ads you see. You can refuse or clear them in your browser without losing any functionality — the tool itself has no dependency on cookies.

Analytics

Where analytics are enabled they record aggregate usage only — page views and approximate region. We do not build individual profiles, and analytics providers are never given access to what you enter into the tool.

Financial figures you enter

Balances, rates and income figures stay on your device. They are read to produce the projection on screen and are never written to a server, a log file or an analytics event.

Retention and security

Retention is close to a non-question here, because almost nothing personal is retained. What you enter lives in the tab; the site itself is served over TLS and maintained as needed.

Children's privacy

These tools are meant for a general audience and are not aimed at children under 13. We do not knowingly gather personal information from children; if you believe a child has provided some, contact us and we will remove it.

Contact

To ask about privacy, or to exercise a right, the contact page is the way to get through.