Privacy Policy

Effective Date: October 21, 2025
Last Updated: October 21, 2025

Introduction

The Payoff Climb ("we," "us," or "our") respects your privacy and is committed to transparency regarding how we collect, use, and protect your personal information. This Privacy Policy explains our data practices when you use our website at thepayoffclimb.com (the "Site") and any related services we provide.

By accessing or using our Site, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy.

Information We Collect

Information You Provide Directly

We collect information that you voluntarily provide to us, including:

• Contact Information: When you subscribe to our newsletter, purchase digital products, or contact us through our forms, we collect your name and email address.
• Payment Information: When you purchase our premium guides or toolkits, our payment processor (Stripe, Inc.) collects your payment card information. We do not store your complete payment card details on our servers.
• Communications: When you email us or submit inquiries through our contact form, we retain the content of your message and associated contact details.

Information Collected Automatically

When you visit our Site, certain information is collected automatically through cookies, server logs, and similar technologies:

• Usage Data: We collect information about how you interact with our Site, including pages visited, time spent on pages, links clicked, and navigation paths.
• Device Information: We collect technical information about the device and browser you use to access our Site, including IP address, browser type and version, operating system, and device identifiers.
• Location Information: We may derive your approximate geographic location from your IP address.

Third-Party Services

We use third-party services that may collect information independently:

• ConvertKit: Our email service provider collects and processes subscriber information for newsletter delivery and marketing communications.
• Stripe: Our payment processor collects transaction data necessary to process purchases securely.
• Hosting and Infrastructure Providers: We use secure third-party hosting services to deliver our Site and process backend functions necessary for service delivery.

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide access to our student loan calculator, deliver purchased digital products, and respond to your inquiries.
• Communications: To send you transactional emails (purchase confirmations, download links), newsletter content you've subscribed to, and important updates about our services.
• Improvement and Analytics: To analyze Site usage, identify technical issues, and improve our content and user experience.
• Legal Compliance: To comply with applicable laws, respond to legal requests, and protect our legal rights.
• Fraud Prevention: To detect, prevent, and address fraudulent activity or security threats.

Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), we process your personal information based on:

• Consent: When you subscribe to our newsletter or provide information voluntarily.
• Contractual Necessity: When processing is necessary to fulfill our obligations under a purchase agreement.
• Legitimate Interests: When processing is necessary for our legitimate business interests, such as improving our services and protecting against fraud, provided these interests do not override your fundamental rights.

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

We may share your information in the following limited circumstances:

• Service Providers: We share information with trusted third-party vendors who assist us in operating our Site, processing payments, delivering emails, and analyzing Site usage. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
• Legal Requirements: We may disclose information when required by law, court order, or government request, or when we believe disclosure is necessary to protect our rights, prevent fraud, or ensure safety.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include secure server environments, encryption of sensitive data in transit, and restricted access to personal information.

However, no method of electronic transmission or storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Newsletter Subscribers: We retain your email address until you unsubscribe.
• Customer Information: We retain purchase records and associated contact information for accounting, tax, and customer service purposes.
• Communications: We retain contact form submissions and email correspondence for a reasonable period to provide support and maintain records.

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

Right to Access and Portability

You may request a copy of the personal information we hold about you.

Right to Correction

You may request correction of inaccurate or incomplete personal information.

Right to Deletion

You may request deletion of your personal information, subject to legal and operational limitations.

Right to Object or Restrict Processing

You may object to or request restriction of certain processing activities.

Right to Withdraw Consent

Where we rely on your consent, you may withdraw it at any time by contacting us or using the unsubscribe mechanism in our emails.

Do Not Sell My Personal Information (CCPA)

We do not sell personal information. California residents have the right to request disclosure of data collection and sharing practices.

To exercise any of these rights, contact us at hello@thepayoffclimb.com. We will respond to verified requests within the timeframes required by applicable law.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our Site. You can control cookie preferences through your browser settings, though disabling certain cookies may limit Site functionality.

Children's Privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take steps to delete it promptly.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States. These countries may have data protection laws that differ from those in your jurisdiction. By using our Site, you consent to such transfers.

Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this policy and, where appropriate, provide additional notice through our Site or via email.

Your continued use of our Site following the posting of changes constitutes your acceptance of such changes.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: hello@thepayoffclimb.com
Website: thepayoffclimb.com