This Privacy Policy explains what data we collect, how we use it, and the rights you have. Calculations run locally in your browser; we do not store your loan inputs on our servers.
1. Information We Collect
- Usage Analytics: Anonymous metrics like page views, device type, approximate region, referring pages.
- Cookies: Only basic cookies used for analytics or preferences; no sensitive financial data.
- Contact Emails: If you email us (e.g., feedback@... or privacy@...), we will process your message to respond.
2. How We Use Your Information
- Product Improvement: Understand usage to optimize features and performance.
- Support: Respond to inquiries and troubleshoot reported issues.
- Security: Detect abuse and maintain service integrity.
3. Legal Bases for Processing (GDPR)
- Consent: For analytics cookies where required.
- Legitimate Interests: Basic telemetry to operate and improve the site.
- Contract/Pre-contract: When you contact us for support or feature requests.
4. Data Retention
- Analytics: Retained in aggregate form; individual identifiers (if any) follow provider retention schedules.
- Emails: Retained as long as necessary to address your request, then periodically purged.
- No storage of loan inputs: Your calculator data remains in your browser memory only.
5. Sharing and Third Parties
- Analytics Providers: We use Google Analytics for usage metrics. See Google’s privacy policy for details.
- No Sale of Personal Data: We do not sell your personal information.
- Legal Requirements: We may disclose information when required by law.
6. Cookies and Analytics
We may use cookies for analytics and preferences. You can block or delete cookies in your browser settings. Some features may be affected if cookies are disabled.
7. Your Rights
- Access, Correction, Deletion: Request a copy, correction, or deletion of information you provided to us (e.g., emails).
- Objection and Restriction: Object to certain processing or request restriction under GDPR.
- Data Portability: Receive your provided data in a portable format where applicable.
- Withdraw Consent: For analytics cookies where consent is used.
8. Regional Disclosures
- GDPR (EEA/UK): We act as a controller for contact messages; analytics may involve processors like Google.
- CCPA/CPRA (California): We do not sell personal information. You may exercise rights to know, delete, and correct.
9. Children’s Privacy
Our services are not intended for children under 13. We do not knowingly collect data from children.
10. Security
We implement reasonable technical and organizational measures to protect information we handle.
11. Updates to This Policy
We may update this policy periodically. The “Effective Date” will be revised accordingly.