Owned Outright

Privacy

Privacy policy

Last updated .

The short version

The numbers you type into our calculators never leave your device unless you choose to send them to an AI assistant (see below). All calculations run in your browser. We don't have accounts and we don't ask for your name, email or loan details.

Shareable links

When you use a calculator, your inputs are added to the end of the page address, after a "#", so you can bookmark or share the result. Browsers never send the part after "#" to any server, including ours, and it stays on your device unless you choose to share the link. Anyone you share it with will see those numbers.

Asking an AI about your results

Calculators have an optional "Ask an AI about these results" section. It shows the exact message, built from the numbers on your screen, and you can edit it first. Nothing is sent until you click:

  • Copy for any AI puts the message on your clipboard. It stays on your device until you paste it somewhere.
  • Open in ChatGPT, Claude or Perplexity opens that service with the message filled in, which sends it to that company. Their privacy policies apply, not ours.

The message never includes hidden instructions. What you see in the box is everything that's shared.

Using Owned Outright inside ChatGPT

If you use the Owned Outright app in ChatGPT, ChatGPT sends the figures it needs for your question (such as a balance, an interest rate, and the years left on a loan) to our calculation service, and we send the answer back. That is separate from the calculators on this site, where your numbers stay on your device.

  • The only data the app receives is the loan figures needed for your question: a balance, an interest rate, the time left or a monthly payment, and any extra payment or refinance details. It receives no names, emails, account or card numbers, or other personal details, and it does not ask you to sign in.
  • The app cannot see your ChatGPT conversation or your account.
  • We do not store the figures you send, and we do not build a profile of you. The service keeps no record of what you send, so there is nothing for us to retain or delete.
  • We keep an anonymous count of how often each tool is used and whether it worked, so we can tell whether the app is useful. The count holds the tool name, the outcome and the date, never your figures or anything about you. Counts are deleted automatically after three months.
  • The service runs on Cloudflare, which, like any host, processes technical data such as IP addresses to deliver the response and block attacks.
  • What ChatGPT keeps from your conversation is governed by OpenAI's privacy policy, not ours. You can stop using the app, or remove it from ChatGPT's settings, at any time.

Hosting and basic logs

The site is served by Cloudflare. Like any web host, Cloudflare processes technical data such as IP addresses to deliver pages and block attacks.

Analytics (only if you accept)

The first time you visit, a banner asks whether we may use Google Analytics. If you decline, nothing from Google loads and no analytics cookie is set; the site works exactly the same. If you accept:

  • Google Analytics sets cookies (named _ga and _ga_…) and tells us which pages are viewed, roughly where visitors are (country), what device and browser they use, and how they found the site.
  • We also record a few named actions: that someone started editing a calculator (which calculator, never what they typed), clicked a book link, used a button in the "Ask an AI" box, copied a link or downloaded a schedule.
  • Page addresses are sent without the part after "#" or "?", so the numbers in a calculator never reach Google. Advertising features and personalisation are switched off.
  • You can change your mind any time with "Analytics settings" in the footer. Declining deletes the analytics cookies.

Google acts as our processor for this data, and its privacy policy applies to what it handles. Für Besucherinnen und Besucher der deutschen Seiten: Analytics läuft nur mit Ihrer Einwilligung (Banner beim ersten Besuch); Sie können sie jederzeit über „Analytics-Einstellungen" im Seitenfuß widerrufen.

Links to Amazon

A few guides have a "Further reading" box with links to books on Amazon. If you click one, you leave this site and Amazon's privacy notice and cookies apply. Amazon tells us if a purchase came from our link so it can pay us a commission. It does not tell us who you are or what else you buy, and we do not add anything to the links about you. If you accepted analytics, we count clicks on these links (which book, on which page) so we can see whether they are useful, not who clicked.

Advertising

We don't show ads yet. If we add them, this policy will be updated first, and where the law requires it we'll ask for your consent before any advertising cookies are set.

Emails

If you email us, we use your message only to reply, and we don't add you to any list.

Contact

Questions about privacy: [email protected].