Privacy

What we collect

Aggregate plan-output counts ("RAP recommended in X% of sessions"). No identifying detail.

• AGI · family size · loan balance · state · loan-type mix → never logged with identifiers
• No third-party analytics scripts run on /decide, /tax-bomb-calc, or /pslf-buyback
• Server access logs are rotated weekly and stored in aggregate form only

What we never do

• We never sell your financial data.
• We never share inputs with refinance lenders without your explicit click-through consent.
• We never use third-party cookies for ad re-targeting on tool pages.

Affiliate disclosure

We earn referral fees from refinance lenders (SoFi, Earnest, ELFI, Credible, KeyBank). These referrals are disclosed at every CTA. The PSLF kill-switch on RefiMatchCTA is a component-level enforcement — the CTA literally returns null when your inputs indicate PSLF eligibility.