Privacy Policy

Last updated: August 6, 2026

Lighten is built to help you, not to harvest you. This policy explains what we collect, why, and your choices.

Calculator inputs stay in your browser. The balance, APR, and payment you type into our calculator are used to compute your results on your device. We do not require an account, and we don't need your identity to show you the math.

Information we collect

Calculator inputs — processed in your browser to produce estimates. We do not store these with your name attached unless you choose to submit them to get matched with offers.
Information you submit — if you choose to be matched to lender offers, we (or our lending-marketplace partner) collect the details you provide (such as name, contact info, and financial information) to return relevant offers.
Usage & device data — standard analytics (pages viewed, device/browser, approximate location from IP) via cookies or similar technologies, to improve the site.

How we use it

To provide the calculator and, if you request it, to match you with lender or marketplace offers.
To operate, secure, and improve the site.
To comply with legal obligations.

Sharing

If — and only if — you choose to be matched with offers, we share the information you submit with our lending-marketplace partner and/or the lenders relevant to your request, so they can present offers. We do not sell your personal information for unrelated third-party advertising. Service providers (hosting, analytics) may process data on our behalf under contract.

Cookies

We use cookies and similar technologies for functionality and analytics. You can control cookies through your browser settings.

Your choices & rights

Depending on your state (for example, California residents under the CCPA/CPRA), you may have rights to access, delete, or opt out of certain uses of your personal information. To exercise them, contact us at [contact email — TBD]. You can also opt out of marketing communications at any time.

Data security & retention

We use reasonable administrative and technical safeguards and retain personal information only as long as needed for the purposes described here or as required by law.

Children

Lighten is intended for U.S. residents 18 and older and is not directed to children.

Changes & contact

We may update this policy; material changes will be reflected by the "last updated" date above. Questions: [contact email — TBD] · [mailing address — TBD].