Privacy Policy

1 Who We Are

CalcMyMortgage.com ("we," "us," or "our") is a free online mortgage calculator tool operated as a sole proprietorship. The website is accessible at https://calcmymortgage.com.

This Privacy Policy explains how we handle information when you visit our website, use our calculator, or view advertisements served on our pages. By using this website, you agree to the practices described in this policy.

2 Information We Do Not Collect

The CalcMyMortgage.com calculator is designed to protect your financial privacy. Specifically:

• No account required. You do not need to register, log in, or provide any personal information to use the calculator.
• Calculator inputs stay in your browser. All data you enter — home price, down payment, interest rate, loan term, tax rate, and insurance amounts — is processed entirely within your web browser using JavaScript. This data is never sent to our servers, never stored in any database, and never shared with any third party.
• No forms or surveys. We do not ask for your name, email address, phone number, or any other personally identifiable information.
• No user accounts. We do not create or maintain user profiles.

3 Information Collected Automatically

Like virtually all websites, our web server and hosting provider (Vercel) automatically record certain standard technical information when you visit, including:

• Your IP address (anonymized or truncated where possible)
• Browser type and version
• Operating system
• Referring URL (the page you visited before ours)
• Pages visited and time of visit
• General geographic region (country or city level, derived from IP)

This information is used solely for security, performance monitoring, and aggregate traffic analysis. It is not linked to any individual and is not used for marketing purposes by us. Please review Vercel's Privacy Policy for details on how hosting infrastructure handles server logs.

4 Cookies

CalcMyMortgage.com itself does not set any first-party cookies. However, third-party services we use — primarily Google AdSense — do set cookies in your browser. These cookies are described below.

You can control or disable cookies through your browser settings. Note that disabling third-party cookies may affect the relevance of advertisements displayed on this site, but will not affect the calculator's functionality.

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions → Cookies and site data

5 Google AdSense and Third-Party Advertising

This website uses Google AdSense to display advertisements. Google AdSense is an advertising service provided by Google LLC. To serve relevant ads, Google AdSense may:

• Set and read cookies in your browser, including the DoubleClick cookie
• Use device identifiers and browser fingerprinting techniques
• Collect information about your browsing behavior across websites that use Google's advertising services
• Use this data to show you personalized or interest-based advertising

Google's use of advertising cookies enables it and its partners to serve ads based on your visits to this site and other sites on the internet.

Your opt-out options:

• Visit Google's Ads Settings to opt out of personalized advertising from Google.
• Visit aboutads.info to opt out of interest-based advertising from participating companies.
• Visit networkadvertising.org to use the NAI opt-out tool.
• Install the Google Analytics Opt-out Browser Add-on to prevent data collection by Google Analytics.

For more information on how Google uses data collected through its advertising services, please review the Google Privacy Policy and How Google uses data when you use our partners' sites or apps.

6 Third-Party Services and CDN Libraries

To provide the calculator's functionality and design, this website loads resources from the following third-party services:

• Google Fonts — loads the DM Serif Display and DM Sans typefaces. Google may log the font requests. See Google's Privacy Policy.
• cdnjs (Cloudflare) — delivers JavaScript libraries used for the Excel and PDF export features (SheetJS and jsPDF). See Cloudflare's Privacy Policy.

These services may collect IP addresses and other technical information through standard request logs. We do not control their data practices and encourage you to review their respective privacy policies.

7 How We Use Information

The limited information collected through server logs and third-party services is used only for:

• Maintaining the security and performance of the website
• Understanding aggregate visitor traffic (e.g., page views, geographic regions)
• Enabling Google AdSense to serve relevant advertisements
• Complying with legal obligations

We do not sell, rent, or share any personally identifiable information with third parties for their own marketing purposes.

8 Children's Privacy

CalcMyMortgage.com is not directed at children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us using the details below and we will take steps to remove that information.

This site is intended for informational use by adults who are or may be making mortgage-related financial decisions. All visitors are encouraged to consult a licensed mortgage professional before making financial commitments.

9 California Residents — Your Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) may provide you with certain rights regarding your personal information, including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information.

As described in this policy, CalcMyMortgage.com does not collect personal information from calculator usage, and we do not sell personal information. Aggregate server log data retained by our hosting provider (Vercel) may constitute "personal information" under the CCPA's broad definition. Please contact us if you wish to exercise your rights or request further information.

10 Third-Party Links

Our website may contain links to external websites, including through advertisements served by Google AdSense. We are not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policy of any website you visit.

11 Data Security

Since CalcMyMortgage.com does not collect or store personal data from calculator usage, the primary security consideration is the security of the website itself. The site is served over HTTPS (TLS encryption) to protect data in transit. Our hosting provider, Vercel, maintains industry-standard security measures for their infrastructure.

No method of internet transmission or electronic storage is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security.

12 Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other reasons. When we make changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically. Your continued use of CalcMyMortgage.com after any changes are posted constitutes your acceptance of the updated policy.

13 Contact Us

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