Privacy Policy for Mortgage Payoff Calculator

Effective Date: January 1, 2025 Last Updated: January 1, 2025

Introduction

Welcome to Mortgage Payoff Calculator, a free online tool that helps you calculate mortgage payoff schedules, interest savings, and payment strategies. Your privacy is important to us, and this privacy policy explains how we handle your information when you use our calculator.

Important: We do NOT collect, store, or transmit any of your personal or financial information to our servers. All calculations are performed locally in your web browser.

Information We Do NOT Collect

When you use our Mortgage Payoff Calculator, we want you to know that:

• ❌ We do NOT collect your mortgage details (loan amount, interest rate, term, etc.)
• ❌ We do NOT store your calculation results
• ❌ We do NOT require account creation or login
• ❌ We do NOT collect personal information (name, email, address, etc.)
• ❌ We do NOT collect financial information (bank account, credit card, etc.)
• ❌ We do NOT track your calculations

All mortgage calculations happen entirely in your web browser using JavaScript. Your data never leaves your device.

Information We May Collect

1. Anonymous Usage Analytics

We may use privacy-respecting analytics tools to collect anonymous, aggregated data about how visitors use our website, such as:

• Pages visited
• Time spent on site
• Browser type and version
• Device type (mobile, tablet, desktop)
• Geographic location (country/region level only)
• Referral source (how you found our site)

This data is:

• Anonymous: Not linked to any individual
• Aggregated: Combined with data from all users
• Non-personal: Cannot identify you

Purpose: To understand how people use our calculator and improve the user experience.

2. Cookies and Local Storage

We may use cookies and browser local storage for:

• Theme preferences (light/dark mode)
• Language preferences
• Session management

You can disable cookies in your browser settings. Our calculator will still work without cookies, but your preferences won't be saved.

3. Technical Log Data

Our web servers may automatically log standard technical information:

• IP address (for security and spam prevention)
• Browser user agent string
• Timestamp of visits
• Pages requested

This data is used only for:

• Security monitoring
• Preventing abuse
• Technical troubleshooting

Retention: Server logs are automatically deleted after 30 days.

How Your Data is Processed

Client-Side Calculations

All mortgage calculations are performed in your web browser using JavaScript. When you enter your mortgage details and click "Calculate":

1. ✅ Your data stays on YOUR device
2. ✅ JavaScript code runs locally in your browser
3. ✅ Results are displayed immediately
4. ✅ Nothing is sent to our servers

No Account Required

Our calculator is 100% free and requires no registration, email, or account creation. You can use it anonymously as many times as you want.

Third-Party Services

Analytics (Optional)

If we use analytics services (such as Google Analytics or Plausible Analytics), they may collect anonymous usage data. We only use privacy-respecting analytics tools that:

• Do not use cookies for tracking
• Do not collect personal information
• Comply with GDPR and CCPA
• Allow users to opt-out

CDN and Hosting

Our website may be served through Content Delivery Networks (CDNs) for faster performance. These services may log IP addresses for security purposes but do not have access to your mortgage calculation data.

Data Security

Since we don't collect or store your personal financial data, there's no database of mortgage information that could be breached or leaked.

The security measures we implement include:

• ✅ HTTPS encryption for all connections
• ✅ Secure hosting infrastructure
• ✅ Regular security updates
• ✅ Protection against common web vulnerabilities

Your Rights and Choices

Browser Privacy Controls

You have complete control over your data:

• Clear your browser cache to delete any locally stored preferences
• Disable cookies in your browser settings
• Use private/incognito mode for completely anonymous usage
• Use ad blockers to prevent any third-party tracking

Do Not Track

We respect Do Not Track (DNT) browser settings. If you enable DNT, we will not use any analytics tracking.

GDPR Rights (EU Users)

Since we don't collect personal data, most GDPR rights don't apply. However:

• Right to Access: We have no personal data to provide
• Right to Deletion: We have no personal data to delete
• Right to Object: You can block analytics with browser settings

CCPA Rights (California Users)

Under CCPA, California residents have rights regarding personal information. Since we don't sell or share personal information:

• We don't sell your personal information
• We don't share your personal information for cross-context behavioral advertising
• You can use our calculator without providing any personal information

Children's Privacy

Our calculator is not directed at children under 13. We do not knowingly collect any information from children. If you are under 13, please do not use our calculator without parental supervision.

External Links

Our website may contain links to external websites (e.g., blog posts, educational resources). We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing any information.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will:

• Update the "Last Updated" date at the top of this page
• For significant changes, display a notice on our website
• Continue to respect the principles of privacy and data minimization

Contact Us

If you have any questions or concerns about this privacy policy or our privacy practices, please contact us:

Website: https://mortgagepayoffcalculator.me Email: support@mortgagepayoffcalculator.me

Summary

In Simple Terms:

• 🔒 Your data stays on your device - We never see your mortgage details
• 🆓 No account needed - Use the calculator anonymously
• 📊 Only anonymous analytics - To improve the site, not track you
• ✅ You're in control - Clear your browser data anytime

We believe financial tools should respect your privacy. That's why we designed our calculator to work entirely in your browser, with no data collection or storage.

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Last Updated: January 1, 2025