Privacy policy: what Normdale knows about you, and what it doesn't
The numbers you type into the Payoff Calculator stay in your browser, you never need to sign up, and analytics cookies load only if you say yes. This page lists the information Normdale does get, why, how long we keep it, and how to see, fix or delete it.
Key points
- Your calculator numbers aren't collected. The Payoff Calculator runs in your browser. The numbers you type are never sent to Normdale or to any analytics tool.
- No sign-up needed, no ads. You can use every tool and page without giving us your name or email. The only form is an optional waiting list that asks for an email address (details below). There are no ads on Normdale, and we don't sell personal information.
- Analytics cookies only if you accept. Google Analytics and Microsoft Clarity load only after you click Accept in the cookie banner. Reject is just as easy, and you can change your choice any time with "Cookie settings" at the bottom of every page. If your browser sends a Global Privacy Control signal, we treat it as Reject. Details: Cookie policy.
- Visit totals without cookies. Cloudflare Web Analytics counts visits for everyone without cookies, and Google Search Console shows us which searches found Normdale.
- Email us and we get your email. We use it to reply and to fix what you report, and we delete it 24 months after the conversation ends.
- Your rights, with deadlines. Ask to see your information and we answer within 10 business days; ask us to correct or delete it and we answer within 15 business days.
Analytics, in plain words
- Always on, no cookies: Cloudflare Web Analytics counts visits and page views as totals. Google Search Console tells us which Google searches showed or led to Normdale; it runs no code on our pages.
- Only if you click Accept: Google Analytics 4 records which pages you visit and which actions you take, such as "calculator started" and "result shown", but never the numbers you type. Microsoft Clarity records clicks and scrolling as heatmaps and a replay of the page, with the calculator and its results masked.
- If you click Reject, or don't choose: neither one loads.
Who is responsible for your information
Normdale (normdale.com) is run by Diego Franco Media SAS, the company responsible for your personal information under this policy. Diego Franco, founder and editor, handles every privacy request.
- Address: Carrera 87 # 73-45, Bogotá, Colombia, 111111
- Email for privacy requests: hello@normdale.com
- Phone: +57 318 814 5227
Does Normdale store what I type into the calculator?
No. The Payoff Calculator runs entirely in your browser. The balance, rate and payment you type are not sent to normdale.com, to Google Analytics, to Microsoft Clarity or to anyone else, and nothing is saved when you close the page.
If you've accepted analytics, Google Analytics records only that a calculation was started and that a result was shown, as event names with no amounts. In Clarity's replay, the calculator form and its results are masked, so the numbers never appear.
If you use Print this result, your browser makes the printout or PDF on your device. We never see it.
Links from our videos can add a short code to the address, such as normdale.com/payoff/?ep=2. It only tells the page which video's example to show and fill in. It doesn't identify you.
Information we collect
When you visit (everyone). normdale.com is hosted on Cloudflare Pages. Like every web host, Cloudflare processes technical information such as your IP address, browser and the page you asked for, so it can deliver the page and protect the site from attacks. Cloudflare Web Analytics adds visit totals: page views, the site or link that sent the visit, country, device type, browser, operating system and page speed. Cloudflare says Web Analytics uses no cookies or local storage and doesn't fingerprint visitors.
From Google Search (everyone). Google Search Console shows us, as totals, which Google searches showed Normdale and how often people clicked. It runs no code on our site and tells us nothing about you as a person.
Only if you accept analytics.
- Google Analytics 4: the pages you view, the site that sent you, actions such as scrolling, clicking a link that leaves the site, "calculator started" and "result shown", your device type and browser, and an approximate location. It uses a random ID stored in a cookie to tell visits apart. Google says Google Analytics 4 doesn't log or store IP addresses.
- Microsoft Clarity: how the page was used (clicks, taps, scrolling and mouse movement) as heatmaps and session replays, plus your browser, device and approximate location, which Clarity works out from your IP address. Text you type into any form field is masked by Clarity, and we also mask the whole calculator and its results.
When you email us. Your email address, the name your email shows, and what you write.
Not collected. No account details, passwords, bank logins or card numbers. We never ask for them.
How we use it
- To deliver the site and keep it secure (hosting information).
- To see which pages and videos help people and to fix pages that are slow or confusing (analytics).
- To reply to you and to fix mistakes you report (your emails).
We don't use your information for advertising, we don't build profiles to sell anything to you, and we don't use it to make decisions about you.
Who we share it with
Only the services that run Normdale for us, each for the job listed:
- Cloudflare: hosting, security, visit totals and forwarding email sent to hello@normdale.com.
- Google: the Gmail inbox that receives that email, Search Console and, if you accept, Google Analytics 4.
- Microsoft: Clarity, if you accept.
We don't sell or rent personal information, and we don't share it with card issuers, lenders or debt-relief companies. We would hand information to anyone else only if the law required it. If Normdale is ever sold or merged, the information would pass to the new owner, who would have to keep this policy.
AI and your information
When you write to us, we may use an AI assistant to help draft a reply; we remove your name and email address from what we paste. Normdale doesn't build or train AI models. How AI is used for pages, code and videos: Editorial policy.
Cookies and similar technologies
Without your OK, normdale.com sets no analytics cookies. It stores only your cookie choice in your browser, and Cloudflare may set a short-lived security cookie to check that a visitor isn't a bot. Google Analytics and Microsoft Clarity cookies are set only after you click Accept. We use no advertising cookies of our own. The full list, with names and durations: Cookie policy.
How long we keep it
| Information | How long |
|---|---|
| Numbers you type into the calculator | Never collected |
| Cloudflare visit totals | Kept as totals in our Cloudflare account; they don't identify you |
| Google Analytics 4 (if you accept) | Visit-level data deleted after 14 months (our setting); totals in reports remain |
| Microsoft Clarity (if you accept) | Replays and heatmap data kept 30 days; Microsoft keeps favorite recordings and a random sample for up to 9 months |
| Emails to hello@normdale.com | Deleted 24 months after the conversation ends, unless needed for an open correction |
| Your cookie choice | In your browser until you change it or clear your browser's site data |
Your rights and how to use them
Wherever you live, you can ask us to:
- tell you what personal information we hold about you, and how we've used it (free of charge);
- correct or update it;
- delete it;
- stop using it, or withdraw your consent. For analytics, the fastest way is "Cookie settings" at the bottom of every page.
How to ask: email hello@normdale.com with "Privacy request" in the subject, or write to the address above. Tell us what you'd like and how to reach you. We'll ask for more details only if we need them to confirm the request is yours.
How fast we answer: we follow the deadlines in Colombia's data-protection law (Law 1581 of 2012) for everyone. A request to see your information is answered within 10 business days. A request to correct, update or delete it, or a complaint, is answered within 15 business days. If we need more time, we'll tell you why and give a new date, at most 5 more business days for the first kind and 8 more for the second.
One limit you should know: analytics data isn't stored under your name, so we may not be able to find your visits. Clarity doesn't let us delete one visitor's replays; they expire as shown above.
In Colombia: your rights also include asking for proof of your consent. After you've contacted us first, you can file a complaint with the Superintendencia de Industria y Comercio (sic.gov.co), Colombia's data-protection authority.
In the EU, UK or Switzerland: you also have the rights to restrict or object to processing and to data portability, and you can complain to your local data-protection authority. We rely on your consent for Google Analytics and Microsoft Clarity, and on our legitimate interest in running a secure site and answering your emails for everything else.
In US states with privacy laws (such as California): you can ask to know, correct and delete your information and to opt out of its sale or sharing for targeted advertising. We don't sell personal information or use it for targeted advertising, and we won't treat you differently for using any of these rights.
International transfers
Diego Franco Media SAS is based in Bogotá, Colombia. Cloudflare, Google and Microsoft are based in the United States and process information in many countries, so your information may be processed outside the country where you live, including in Colombia and the United States. Each provider describes the safeguards it relies on for international transfers in its own terms (Cloudflare's, for example, names the EU Standard Contractual Clauses and the EU-U.S. Data Privacy Framework):
- Cloudflare privacy policy and Cloudflare data processing addendum
- Google privacy policy, how Google uses information from sites that use its services and Google's data processing terms
- Microsoft privacy statement and Microsoft Clarity terms
How we protect it
normdale.com is a static site: there's no database, no user accounts and no logins to break into. Every page is served over HTTPS with security headers that block scripts from anywhere except our own site, Cloudflare's analytics and the two analytics tools you can accept. Only Diego Franco has access to the accounts that hold the information on this page. No system is perfectly secure, so we also keep what we hold small.
Children
Normdale is made for adults. The site isn't directed to children under 13, and we don't knowingly collect information from children. If you think a child has emailed us, write to hello@normdale.com and we'll delete the message.
Links to YouTube, Instagram and TikTok
Normdale's videos live on YouTube, Instagram and TikTok. Our links to them (such as normdale.com/go/youtube) simply send you there. Once you're on one of those platforms, its own privacy policy and cookies apply. normdale.com doesn't embed their video players, so they don't load on our pages. If that changes, we'll update this page and the cookie policy first.
Waiting list and purchases
The waiting list (open, optional)
You can join a waiting list to get one email when Normdale's Debt Payoff Planner opens. Joining is optional: no tool or page needs it, and the calculator's answer is never hidden behind an email. The form is on a page at go.normdale.com, run by systeme.io, our email service.
- What we collect: your email address, the box you tick to agree, the date, and your click on the confirmation link. We don't ask for your name.
- Why: to email you when the planner opens, and to send occasional notes about new Normdale tools. We don't sell or rent the list.
- You confirm first: we send one email asking you to confirm. If you don't click the link, you aren't added to the list.
- Who handles it: systeme.io stores the list and sends the emails, so its own privacy policy applies too.
- How long we keep it: until you unsubscribe or ask us to delete it. Every email has an Unsubscribe link and our postal address, and you can also write to hello@normdale.com.
- Reports: when we check how the waiting list is doing, we use totals, not names or email addresses.
Purchases (not open yet)
Nothing is for sale on Normdale yet. We plan to sell Normdale's own products, starting with Normdale's Debt Payoff Planner (a spreadsheet, not on sale yet). The checkout is planned on systeme.io at go.normdale.com, with payments processed by PayPal, so Normdale never sees your full card number.
Before the first sale, we'll add to this page what is collected at checkout, which services handle it and how long it's kept, and we'll change the effective date at the top.
Changes to this policy
When we change how we handle information, we update this page and its effective date before the change takes effect. If a change affects what you agreed to, such as a new analytics tool, we'll ask for your choice again in the cookie banner.
This policy is in force from the effective date at the top. The information it covers is kept for the periods listed above, for as long as Normdale operates.
Questions
Write to hello@normdale.com or to Diego Franco Media SAS, Carrera 87 # 73-45, Bogotá, Colombia, 111111. Related pages: Cookie policy · Terms of use · Disclaimer · Editorial policy.