Privacy Policy
Last updated: July 11, 2026
Welcome to OweClear ("Website," "we," "our," or "us").
Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial calculators and related services.
By accessing or using OweClear, you agree to the practices described in this Privacy Policy.
1. Who We Are
OweClear is an educational financial tools website that provides calculators, guides, and informational resources designed to help users better understand loans, debt repayment, mortgage costs, and other financial topics.
Our services are intended for informational and educational purposes only.
2. Information We Collect
Depending on how you use our website, we may collect the following types of information.
A. Information You Voluntarily Provide
You may provide information such as:
- Name
- Email address
- Messages submitted through our contact form
- Feedback
- Survey responses
Providing this information is entirely voluntary.
B. Automatically Collected Information
When you visit our website, certain information may automatically be collected, including:
- IP address
- Browser type
- Operating system
- Device information
- Screen resolution
- Language settings
- Time zone
- Referring website
- Pages viewed
- Time spent on pages
- Click interactions
- Date and time of visits
This information helps improve website performance and user experience.
C. Calculator Inputs
Information entered into our calculators, including but not limited to:
- Loan amount
- Interest rate
- Monthly payment
- Mortgage balance
- Debt information
- Repayment preferences
is processed within your browser to generate calculation results.
Unless specifically stated otherwise, we do not permanently store your calculator inputs on our servers.
3. Cookies and Similar Technologies
We use cookies and similar technologies to:
- Keep the website functioning properly
- Improve website performance
- Remember user preferences
- Analyze website traffic
- Deliver relevant advertisements
- Prevent fraud and abuse
You can disable cookies through your browser settings, although some website features may not function properly.
4. Google AdSense
Our website may display advertisements provided by Google AdSense.
Google and its advertising partners may use cookies to personalize advertisements based on your previous visits to this website and other websites.
Google may use:
- DoubleClick Cookie
- Advertising Cookies
- Interest-Based Advertising
You can manage advertising preferences through your Google Ads Settings.
5. Google Analytics
We may use Google Analytics to understand how visitors use our website.
Google Analytics may collect:
- Device information
- Browser information
- Geographic region
- Session duration
- Traffic sources
- User interactions
This information is used only for statistical analysis and website improvement.
6. Third-Party Services
We may use trusted third-party services including but not limited to:
- Google AdSense
- Google Analytics
- Google Search Console
- Cloudflare
- Content Delivery Networks (CDNs)
- Email service providers
- Website hosting providers
Each third-party service maintains its own privacy practices.
7. Affiliate Links
Some pages may contain affiliate links.
If you purchase products or services through these links, we may receive a commission at no additional cost to you.
Affiliate relationships do not influence our editorial integrity.
8. How We Use Information
We use collected information to:
- Operate our website
- Improve our calculators
- Respond to inquiries
- Detect fraud
- Analyze website usage
- Display relevant advertisements
- Maintain security
- Comply with legal obligations
9. Legal Bases for Processing (GDPR)
Where the General Data Protection Regulation (GDPR) applies, we process personal information based on one or more of the following legal bases:
- Your consent
- Contractual necessity
- Legal obligations
- Legitimate interests
- Protection of vital interests
10. International Data Transfers
Because our website is accessible worldwide, your information may be transferred to and processed in countries other than your own.
Where required by applicable law, we implement appropriate safeguards for such transfers.
11. Data Retention
We retain personal information only for as long as necessary to:
- Provide services
- Meet legal obligations
- Resolve disputes
- Enforce agreements
- Improve website security
Anonymous statistical information may be retained longer.
12. Data Security
We implement reasonable administrative, technical, and organizational safeguards designed to protect your information against unauthorized access, disclosure, alteration, or destruction.
However, no internet transmission or electronic storage system can be guaranteed to be completely secure.
13. Your Privacy Rights
Depending on your location, you may have rights including:
- Access your personal information
- Correct inaccurate information
- Delete your information
- Restrict processing
- Object to processing
- Withdraw consent
- Request data portability
- Lodge a complaint with a supervisory authority
14. California Privacy Rights (CCPA/CPRA)
California residents may have additional rights, including:
- Right to Know
- Right to Delete
- Right to Correct
- Right to Opt-Out of certain data sharing
- Right to Non-Discrimination
We will respond to verified requests in accordance with applicable law.
15. European Economic Area (GDPR)
Residents of the European Economic Area may exercise their GDPR rights by contacting us using the information provided below.
16. Children's Privacy
Our website is not directed to children under the age of 13 (or the minimum age required by local law).
We do not knowingly collect personal information from children.
If you believe a child has provided personal information, please contact us so we can remove it.
17. External Links
Our website may contain links to third-party websites.
We are not responsible for the privacy practices or content of external websites.
Users should review the privacy policies of those websites separately.
18. Do Not Track Signals
Some web browsers provide a "Do Not Track" feature.
Because there is no universally accepted standard for responding to these signals, our website may not respond to them.
19. Changes to This Privacy Policy
We may update this Privacy Policy periodically.
Changes become effective immediately upon publication unless otherwise required by law.
The updated "Effective Date" will appear at the top of this page.
20. Contact Us
If you have questions regarding this Privacy Policy or your personal information, please contact us through our Contact page.