Privacy Policy - Mortgage Loan Calculator

🔒 Privacy Quick Summary

• We don't store your personal financial information
• All calculations happen locally in your browser
• We use cookies for essential functionality and analytics
• We comply with GDPR, CCPA, and other privacy regulations
• You can use our calculator completely anonymously

1. Company Information

This privacy policy applies to the Mortgage Loan Calculator website and services operated by:

Service Provider: Mortgage Calculator Team

Location: Shenzhen, China

Contact Email: privacy@mortgageloancalculator.info

Website: mortgageloancalculator.info

2. Information We Collect

2.1 Information We DON'T Collect

Your financial data stays private:

• Mortgage calculations - All calculations happen locally in your browser
• Personal financial information - We never see your loan details
• Social Security Numbers - We don't request or store SSNs
• Bank account information - No financial account details are collected
• Credit information - We don't access credit scores or reports

2.2 Information We Automatically Collect

Website Usage Data

• Pages visited and time spent on site
• Browser type, version, and language
• Operating system and device type
• Screen resolution and browser window size
• IP address (for general location and security)
• Referring website or search terms
• Click patterns and interaction with features

Technical Information

• Cookies and similar tracking technologies
• Log files and server logs
• Error reports and performance data
• Network and connection information

2.3 Information You Provide

When you voluntarily interact with us:

• Contact form submissions (name, email, message)
• Newsletter subscriptions (email address)
• Feedback and survey responses
• Communication with customer support

3. Cookies and Tracking Technologies

🍪 Cookie Usage

We use cookies to enhance your experience. You can control cookie preferences through your browser settings.

Types of Cookies We Use

Essential Cookies

Required for basic website functionality, security, and user preferences.

Analytics Cookies

Help us understand how visitors use our website (Google Analytics, etc.).

Functional Cookies

Remember your preferences and settings for a better experience.

Marketing Cookies

Used to show relevant ads and measure advertising effectiveness (Google AdSense).

Managing Cookies

You can control and/or delete cookies as you wish:

• Use our cookie consent banner to manage preferences
• Adjust your browser settings to refuse or delete cookies
• Use browser extensions to block tracking
• Visit aboutcookies.org for detailed guidance

4. How We Use Your Information

Primary Purposes

• Provide Services: Deliver the mortgage calculator functionality
• Improve User Experience: Enhance website performance and features
• Customer Support: Respond to inquiries and provide assistance
• Analytics: Understand usage patterns to improve our service
• Security: Protect against fraud and maintain website security
• Legal Compliance: Meet legal obligations and enforce our terms

5. Data Sharing and Third Parties

We DO NOT sell your personal information.

Your data is never sold to third parties for marketing purposes.

When We May Share Information

Service Providers

Trusted partners who help operate our website (hosting, analytics)

Legal Requirements

When required by law, court order, or government request

Business Transfers

In case of merger, acquisition, or sale of assets

With Your Consent

When you explicitly agree to share information

Third-Party Services

We use the following third-party services:

• Google Analytics: Website traffic analysis
• Google AdSense: Display advertising
• Google Tag Manager: Tag management
• Vercel: Website hosting and deployment

6. Data Security

We implement appropriate technical and organizational measures to protect your information:

• SSL/TLS encryption for all data transmission
• Regular security audits and updates
• Limited access to personal information
• Secure hosting infrastructure
• Regular backups and disaster recovery procedures

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain information for different periods depending on the type:

• Calculator data: Not stored (processed locally in your browser)
• Analytics data: Up to 26 months
• Contact information: Until you request deletion or unsubscribe
• Legal records: As required by applicable laws

8. Your Rights and Choices

Your Privacy Rights

Depending on your location, you may have the following rights:

Access

Request access to your personal information

Correction

Request correction of inaccurate information

Deletion

Request deletion of your personal information

Portability

Receive your data in a portable format

Opt-Out

Opt-out of marketing communications and certain data processing

Do Not Sell

Request that we don't sell your personal information (we don't sell it anyway)

To exercise these rights, contact us at: privacy@mortgagecalculator.com

9. International Users

GDPR (European Users)

If you're in the European Economic Area (EEA), you have additional rights under GDPR:

• Right to object to processing
• Right to restrict processing
• Right to lodge a complaint with supervisory authorities
• Right to withdraw consent

CCPA (California Users)

California residents have specific rights under CCPA:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination

Data Transfers

Our services are operated from China. By using our services, you consent to the transfer of your information to China and other countries where we operate or use service providers.

10. Children's Privacy

Our services are not directed to children under 18. We do not knowingly collect personal information from children. If we learn we have collected information from a child under 18, we will delete it promptly.

11. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. For significant changes, we may provide additional notice (such as a banner on our website).

Your continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices:

Email: privacy@mortgageloancalculator.info

General Support: support@mortgageloancalculator.info

Location: Shenzhen, China

Response Time: We aim to respond within 48 hours

Data Protection Officer

For privacy-specific inquiries or to exercise your rights, please contact our Data Protection Officer at the email address above with "DPO Request" in the subject line.

Your Consent

By using our website and services, you consent to our Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use our services.