How we handle your data
Last updated: March 2026
Principal Paid ("we", "us", "our") operates the website principal-paid.com (the "Site"). This policy explains what information is collected when you use the Site, how it is used, and your rights in relation to that information.
The Site is a free loan and mortgage repayment calculator. All calculations are performed locally in your browser. We do not collect, store, or transmit any of the loan figures, amounts, or personal financial data you enter into the calculator.
We do not collect any personally identifiable information directly. However, we use third-party services that collect certain information automatically when you visit the Site.
This includes standard usage data such as your browser type, device type, the pages you visit, how long you spend on the Site, your approximate geographic location (country or region level), and the source that referred you to the Site. This data is collected in aggregate and is not linked to any individual identity.
We use Google Analytics (GA4) to understand how visitors use the Site. Google Analytics places cookies on your device to collect anonymised usage data. This data is processed by Google and made available to us in aggregated, non-identifying form.
Google may use this data in accordance with its own privacy policy, which can be viewed at policies.google.com/privacy. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
The Site uses the following cookies:
Theme preference — a single item is stored in your browser's localStorage to remember whether you have selected light or dark mode. This does not leave your device and is not accessible to any third party.
Google Analytics cookies — GA4 sets cookies to distinguish users and sessions for analytics purposes. These are first-party cookies set on the principal-paid.com domain.
You can disable or delete cookies at any time through your browser settings. Disabling cookies will not affect the core functionality of the calculator.
The Site may display advertisements served by Google AdSense. Google AdSense uses cookies to serve ads based on your prior visits to this and other websites. You can opt out of personalised advertising by visiting Google Ads Settings. Alternatively, you can opt out of third-party vendor use of cookies for personalised advertising by visiting aboutads.info.
We do not sell, trade, or otherwise transfer your information to third parties. The only third-party services with access to usage data are Google Analytics and, if enabled, Google AdSense — both governed by Google's privacy policy.
Analytics data is retained for 14 months in Google Analytics, after which it is automatically deleted.