Privacy Policy

1. Introduction

VelocityBanking.io ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our velocity banking calculator and related services.

By using VelocityBanking.io, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Information You Provide

• Financial Data: Income, debt balances, interest rates, monthly payments, expenses (used for calculations only, not stored on our servers)
• Email Address: When you download PDF reports or sign up for our services
• Contact Information: Name, phone number (if voluntarily provided through contact forms)

2.2 Automatically Collected Information

• Usage Data: Pages visited, time spent on site, referring URLs
• Device Information: IP address, browser type, operating system
• Cookies: We use cookies to enhance user experience and track site analytics

3. How We Use Your Information

We use collected information for the following purposes:

• To provide and maintain our calculator service
• To generate personalized debt payoff reports
• To send you PDF reports and educational content (if opted in)
• To improve our website and user experience
• To respond to customer support inquiries
• To send marketing communications (with your consent)
• To analyze usage patterns and optimize our services
• To comply with legal obligations

4. Important: Calculator Data

5. Data Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: Third-party companies that help us operate our website (hosting, email services, payment processing)
• Analytics Partners: Google Analytics and similar services to understand site usage
• Payment Processors: Stripe or similar services for premium feature payments
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, sale, or acquisition

We do NOT sell your personal information to third parties for marketing purposes.

6. Cookies and Tracking Technologies

We use the following types of cookies:

• Essential Cookies: Required for site functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Track ad effectiveness and user preferences

You can control cookies through your browser settings. Note that disabling cookies may limit site functionality.

7. Data Security

We implement industry-standard security measures to protect your information:

• SSL/TLS encryption for data transmission
• Secure hosting infrastructure
• Regular security audits and updates
• Limited employee access to personal data
• Encrypted data storage where applicable

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your information.

8. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal data
• Opt-Out: Unsubscribe from marketing emails
• Data Portability: Receive your data in a structured format
• Restrict Processing: Limit how we use your data

To exercise these rights, contact us at support@velocitybanking.io

9. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any information.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy and applicable laws.

12. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Email addresses and contact information are retained until you request deletion.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically. Continued use of our service after changes constitutes acceptance of the updated policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: