Privacy Policy

1.1 No Personal Information Collection
MortgageCalc does NOT collect, store, or transmit any personally identifiable information (PII). Our mortgage calculator operates entirely in your browser and does not send your financial data to our servers.

1.2 Information You Provide
The only data entered into our calculator is used locally to generate payment estimates. This includes:

• Home price
• Down payment amount
• Interest rate
• Loan term
• Property taxes
• Insurance costs
• HOA fees

This data is NEVER transmitted to our servers or any third party. It remains on your device and is cleared when you close your browser.

1.3 Automatically Collected Information
We may collect the following technical information through our hosting provider and analytics services:

• Browser type and version
• Operating system
• Referring website
• Pages visited and time spent
• IP address (anonymized)

We use the limited information we collect for:

• Improving our website functionality and user experience
• Analyzing traffic patterns and popular calculator features
• Diagnosing technical problems
• Generating aggregate, anonymous statistics

We do NOT:

• Sell your personal information
• Rent your personal information
• Share your personal information with third parties for marketing

We use Google Analytics to understand how visitors use our website. Google Analytics collects information anonymously and reports website trends without identifying individual visitors.

You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

4.1 Cookies
We use minimal cookies solely for analytics purposes through Google Analytics. You can disable cookies in your browser settings.

4.2 Local Storage
Our calculator may use browser local storage to remember your preferences (such as default values). This data is stored only on your device and is not transmitted to our servers.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

Under the California Consumer Privacy Act (CCPA), California residents have the right to:

• Know what personal information is collected
• Know whether personal information is sold or disclosed
• Opt-out of the sale of personal information
• Access personal information
• Request deletion of personal information
• Non-discrimination for exercising privacy rights

Important: Since we do not collect personal information, there is no personal information for us to provide, delete, or restrict.

If you are located in the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR):

• Right to Access: Request access to your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your personal data
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a structured format
• Right to Object: Object to processing of your data

Important: Since we do not collect personal information, there is no personal data for us to provide, correct, or delete.

Since we do not collect or store personal information on our servers, there is no personal data at risk of breach. All calculator calculations are performed locally in your browser.

Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically. Your continued use of our website after any changes constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy, please contact us at:

contact@mymortgagecalc.net