Last Updated: September 28, 2026
At Payoff Strategy («Payoff Strategy,» «we,» «us,» or «our»), accessible at https://payoffstrategy.com, we respect your privacy and are committed to protecting the personal information you provide to us.
This Privacy Policy explains what information we may collect, how we use it, how it may be shared, and the choices and rights available to you when you visit or use our website.
Payoff Strategy is operated by Miguel Hernandez Lopez, based in Spain.
By using our website, you acknowledge the practices described in this Privacy Policy.
1. Data Controller
The person responsible for the processing of personal information collected through this website is:
Name: Miguel Hernandez Lopez
Website: https://payoffstrategy.com
Email: contacto@payoffstrategy.com
Country: Spain
For privacy-related questions or requests, you may contact us at:
2. Information We Collect
We may collect personal information that you voluntarily provide when you interact with our website.
Information submitted through our contact form
When you contact us through our contact form, we may collect:
- Name
- Email address
- Subject of your message
- Message content
- Any other information you voluntarily provide in your message
Please do not submit sensitive personal information through the contact form, including passwords, payment card information, bank account information, Social Security numbers, or detailed financial information.
3. How We Use Your Information
Information submitted through the contact form may be used to:
- Respond to your questions or requests
- Communicate with you regarding your inquiry
- Provide assistance relating to the website
- Maintain records of communications
- Protect the website against abuse or misuse
- Comply with applicable legal obligations
We do not use contact-form information to provide personalized financial advice.
4. Legal Bases for Processing
Where the General Data Protection Regulation (GDPR) applies, we process personal information using an appropriate legal basis depending on the circumstances.
These may include:
Consent: where you voluntarily provide consent for a specific processing activity.
Legitimate interests: where processing is necessary for legitimate purposes, such as responding to inquiries, maintaining website security, preventing abuse, or managing the website, provided that those interests are not overridden by your rights and freedoms.
Legal obligations: where processing is necessary to comply with applicable laws or legal requirements.
Where consent is the applicable legal basis, you may withdraw your consent at any time.
Providing information through our contact form is voluntary. However, certain information, such as an email address, may be necessary for us to respond to your request.
5. Cookies and Similar Technologies
Payoff Strategy uses cookies and similar technologies to operate the website, maintain functionality, remember preferences, obtain consent where applicable, and support website security.
We use CookieAdmin to manage cookie consent and preferences.
Cookies may include:
- Essential or necessary cookies
- Functional cookies
- Preference cookies
- Other cookies that may be used by services enabled on the website
The types of cookies actually used may change depending on the services and features enabled on the website.
You can manage your cookie preferences through the cookie consent mechanism displayed on our website or through your browser settings.
Blocking or deleting certain cookies may affect some website functionality.
6. Google Services and Advertising
At the time this Privacy Policy was last updated, Google Analytics and Google Site Kit services had not yet been configured on the website.
Payoff Strategy may use Google services in the future, including Google AdSense, to display advertisements and monetize website content.
If Google advertising services are activated, Google and its advertising partners may use technologies such as cookies, web beacons, IP addresses, or other identifiers to collect information and provide, measure, and personalize advertising where permitted.
Google requires publishers using its advertising products to maintain a privacy policy explaining the use of technologies such as cookies, web beacons, IP addresses, and other identifiers.
This Privacy Policy will be updated as necessary when additional Google services or advertising technologies are activated.
7. Google Analytics
At the time of this Privacy Policy, Google Analytics has not been intentionally configured on the website.
If Google Analytics is activated in the future, this Privacy Policy will be updated to explain the relevant data collection and processing practices and the choices available to users.
8. Contact Forms and Form Processing
Our website currently uses FormLayer / FormLayer Pro to provide contact form functionality.
Information submitted through a contact form may be processed by the website and its hosting infrastructure for the purpose of receiving and responding to your message.
We do not intentionally request financial information through our contact forms.
We do not currently operate user accounts or require visitors to register with the website.
9. Hosting
The website is hosted by Namecheap.
Namecheap may process technical information necessary to provide hosting and infrastructure services, including information associated with server requests and website operation.
Such information may include technical logs, IP addresses, browser information, timestamps, and other technical information necessary for the operation and security of the website.
10. Website Security
We use reasonable technical and organizational measures designed to protect the website and information processed through it.
Our hosting infrastructure and WordPress configuration may automatically process technical information for purposes such as:
- Website security
- Preventing malicious activity
- Detecting abuse
- Troubleshooting
- Maintaining website availability
- Protecting the website and its users
No method of transmission over the Internet or electronic storage can be guaranteed to be completely secure.
11. Akismet and Other Plugins
Some WordPress plugins may be installed on the website but are not necessarily active or processing personal information.
At the time of this Privacy Policy, Akismet Anti-spam is installed but is not active.
If plugins or third-party services that process personal information are activated in the future, this Privacy Policy may be updated accordingly.
12. Data Sharing and Third Parties
We may share or allow access to personal information with service providers that are necessary to operate the website.
These may include:
- Website hosting providers
- Website security providers
- Contact form providers
- Cookie and consent-management providers
- Advertising providers, if activated
- Analytics providers, if activated
We do not sell personal information submitted through our contact form.
Third-party service providers may process information according to their own privacy policies and applicable legal requirements.
13. International Data Transfers
Because Payoff Strategy is operated from Spain and may use service providers located in other countries, information may be processed outside your country of residence.
Where applicable law requires safeguards for international transfers of personal information, we will seek to use appropriate safeguards.
14. Data Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.
Contact-form communications may be retained for as long as reasonably necessary to respond to your request, maintain appropriate records, resolve disputes, prevent abuse, or comply with legal obligations.
Technical information and security logs may be retained according to the configurations and policies of our hosting and security providers.
15. Your Privacy Rights Under the GDPR
If the GDPR applies to you, you may have certain rights regarding your personal information, including:
- The right to access your personal information
- The right to correct inaccurate or incomplete information
- The right to request deletion of your information
- The right to request restriction of processing
- The right to object to certain processing
- The right to data portability, where applicable
- The right to withdraw consent where processing is based on consent
- The right to lodge a complaint with a competent data protection authority
To exercise an applicable right, contact:
We may need to request information necessary to verify your identity before fulfilling certain requests.
The Spanish Data Protection Agency (AEPD) provides that privacy information should be clear, accessible and understandable and that individuals should be informed about relevant processing and their rights.
16. U.S. State Privacy Rights
Payoff Strategy may be accessed by residents of U.S. states that have enacted privacy laws.
Depending on the applicable law and whether you meet the relevant legal requirements, you may have rights concerning your personal information, including rights to:
- Know or access personal information collected about you
- Request deletion of personal information
- Request correction of inaccurate personal information
- Opt out of certain forms of targeted advertising
- Opt out of certain sales or sharing of personal information
- Obtain information about how personal information is collected and used
- Exercise applicable privacy rights without unlawful discrimination
These rights vary depending on the state and the circumstances in which the law applies.
For example, California residents may have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). California law provides eligible consumers with rights including the right to know, delete, correct, and opt out of certain sale or sharing of personal information.
To submit a privacy request, contact:
We may need to verify your request as permitted or required by applicable law.
If applicable law requires additional methods or notices for exercising privacy rights, we will provide them.
17. Children’s Privacy
Payoff Strategy is intended for a general audience.
We do not knowingly collect personal information from children under 13 through our website.
If you believe that a child has provided personal information to us, please contact us at:
We will take reasonable steps to address the situation where appropriate.
18. Financial Information
Payoff Strategy provides general educational information concerning debt payoff, debt management, credit, budgeting, and personal finance.
We do not currently request detailed financial information through our contact forms.
You should not submit information such as:
- Bank account numbers
- Credit card numbers
- Social Security numbers
- Passwords
- Account login credentials
- Detailed personal financial records
through our contact forms.
If we introduce financial calculators or interactive tools in the future, we intend, where technically feasible, to process the information entered into those calculators without storing the user’s financial inputs on our servers.
If our practices change, this Privacy Policy will be updated as appropriate.
19. Third-Party Websites
Our website may contain links to third-party websites.
We are not responsible for the privacy practices, content, security, or policies of websites operated by third parties.
We encourage you to review the privacy policy of any third-party website before providing personal information.
20. Affiliate Relationships
Payoff Strategy may participate in affiliate programs in the future.
If we use affiliate links, we may receive compensation when users make qualifying purchases or complete qualifying actions through those links.
Affiliate relationships will be disclosed in accordance with applicable laws and advertising requirements.
This Privacy Policy does not replace any separate affiliate disclosure that may appear on the website.
21. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to:
- Our website
- Our services
- Third-party providers
- Cookies and technologies
- Advertising services
- Applicable laws
- Our privacy practices
When we make changes, we will update the Last Updated date at the beginning of this Privacy Policy.
We encourage you to review this page periodically.
22. Contact Us
If you have questions about this Privacy Policy or wish to exercise an applicable privacy right, please contact:
Payoff Strategy
Miguel Hernandez Lopez
Spain
Email: contacto@payoffstrategy.com
Website: https://payoffstrategy.com
Financial Information Disclaimer
Payoff Strategy provides general educational information about debt, debt payoff strategies, credit, budgeting, and personal finance.
The information provided on this website is not intended to constitute individualized financial, investment, legal, tax, accounting, credit, or debt-relief advice.
Your financial circumstances are unique. You should consider consulting a qualified professional before making significant financial decisions.
Payoff Strategy does not guarantee that any particular strategy will eliminate debt, improve your credit score, save money, or produce any particular financial result.