Privacy Policy

1. Introduction

MoneyXPS ("we," "our," or "us") operates https://moneyxps.com. This Privacy Policy describes how we collect, use, and protect your personal and analytical information when you use our free financial calculators, debt payoff simulators, and budgeting tools.

2. Google Analytics 4 (GA4) and Cookies

We use Google Analytics 4 (GA4), a web analysis service provided by Google LLC ("Google"), to help us understand how visitors discover, navigate, and interact with our website.

GA4 uses cookies (small text files stored in your web browser) and standard measurement scripts to collect non-personally identifiable technical information, including:

• Pages viewed and navigation pathways across the website
• General device and browser characteristics (device type, operating system, browser version)
• Approximate geographic location (country/city level; IP addresses are anonymized by default in GA4)
• High-level functional interactions, such as which calculator was used or when an offer link was opened

Google transmits and stores this information on servers in the United States. To learn more about how Google collects and processes data, please visit Google's Privacy Policy and How Google uses information from sites or apps that use our services.

You can opt out of Google Analytics measurement across all websites at any time by installing the Google Analytics Opt-out Browser Add-on.

3. Strict Financial Data Exclusion Policy

We maintain a strict boundary between our analytics telemetry and your financial numbers:

• No Balances or Dollar Amounts: We NEVER transmit your debt balances, loan principals, minimum payments, monthly income, or bill amounts to Google Analytics.
• No Interest Rates or Account Details: We NEVER transmit your credit card APRs, creditor/institution names, account numbers, or loan terms to analytics.
• No Personally Identifiable Information in Events: We do not attach user email addresses, names, or phone numbers to analytical event payloads or page URLs.

4. Information You Voluntarily Provide

When you create a free MoneyXPS account to save your debt portfolio and track payoff progress:

• We collect your email address and optional display name to authenticate your session.
• Your debt accounts, payment logs, and budget entries are stored securely in Google Cloud Firebase Firestore under your private authenticated user identifier (`user_id`).
• Security rules prevent any other user from accessing or reading your financial records.

5. Affiliate & Sponsored Links Disclosure

MoneyXPS is supported by our readers and trusted financial partners. When you click on an external sponsored offer (such as a debt consolidation loan, balance transfer card, or debt counseling provider), we may earn an affiliate commission at no additional cost to you.

When you click on a partner link, an outbound event (`offer_click`) records the partner name and category in our analytics, but NO financial numbers or user account data are ever passed in the referral link.

6. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, please contact us at:

MoneyXPS Privacy Team
Email: support@moneyxps.com