utangfree.com ("we," "us," "our") is a free tool that helps borrowers in the Philippines and Southeast Asia check whether a loan offer looks fair before they sign. This page explains what little data we handle, and how advertising on this site works.
Information we don't collect
utangfree.com has no accounts and no sign-up. The loan amount, payment, and term you enter into the calculator are processed entirely in your own browser and saved only to your device's local storage, so the tool can remember your last entry the next time you visit. That information is never sent to, or seen by, any server we operate. We do not collect your name, contact details, or any financial account information.
Cookies and advertising
This site may show ads served by Google AdSense and its advertising partners. Google and third-party vendors use cookies — including the DoubleClick DART cookie — to serve ads based on a visitor's prior visits to this site and other sites on the internet. This allows Google and its partners to serve ads based on your visit to utangfree.com and/or other sites.
You can opt out of personalized advertising by visiting Google Ads Settings. If you're in a region covered by the Digital Advertising Alliance, you can also visit www.aboutads.info to opt out of participating vendors' use of cookies for personalized advertising. For more on how Google uses information from sites that use its services, see Google's Partner Sites policy.
Analytics
utangfree.com does not currently use any analytics or visitor-tracking service. If this changes in the future, this policy will be updated to reflect it before the change takes effect.
Children's privacy
This site is not directed at children under 13, and we do not knowingly collect information from children.
Your choices
You can clear your browser's local storage at any time to remove any data the calculator has saved on your device, disable cookies entirely in your browser settings, or use the Google Ads Settings link above to limit personalized advertising.
Changes to this policy
We may update this policy from time to time. The "Last updated" date at the top of this page will always reflect the most recent revision.
Contact
Questions about this policy can be sent to info@utangfree.com.