Updated on 2025-11-12

Privacy Policy

At 50 Year Mortgage Calculator, we are committed to protecting your privacy. This Privacy Policy explains how we handle data when you use our website and calculator tools.

1. Our Privacy-First Approach

We believe in minimal data collection. Unlike many financial websites, we:

Do NOT store your mortgage calculations - All calculations are performed locally in your browser
Do NOT require account creation - Use our tools anonymously
Do NOT collect personal financial information - Your loan amounts, income, and financial data stay private
Do NOT share data with mortgage lenders - We don't sell or provide your information to third parties
Do NOT track your financial activities - Your calculations remain completely private

2. Information We Collect

Information You Provide

We collect minimal information, and only when you voluntarily provide it:

Contact Information: Email address if you contact us with questions or feedback
Feedback Data: Messages and suggestions you send us

Automatically Collected Information

Like most websites, we collect basic technical information:

Usage Data: Pages visited, time spent on site (via analytics)
Device Information: Browser type, operating system, screen resolution
IP Address: General location information (city/country level only)
Cookie Data: Preferences and session information (see Cookie section below)

What We DO NOT Collect

We explicitly do not collect:

Mortgage loan amounts you calculate
Interest rates you enter
Home prices or down payment amounts
Income or employment information
Credit scores or financial history
Social security numbers or identification
Banking or payment information

3. How We Use Information

We use the limited information we collect for:

Service Operation: Maintaining and improving our calculator tools
Analytics: Understanding how users interact with our site to improve the experience
Communication: Responding to your questions and feedback
Security: Detecting and preventing abuse, spam, or malicious activities
Legal Compliance: Meeting legal obligations when required

We do NOT use your information for:

Targeted advertising based on financial calculations
Selling or sharing with mortgage lenders
Creating user profiles for marketing
Credit decisions or loan offers

We do NOT sell your personal information. We may share limited data only in these circumstances:

Service Providers

We use trusted third-party services to operate our website:

Hosting Provider: To serve our website and ensure uptime
Analytics Services: Google Analytics, Vercel Analytics (anonymized data)
CDN Services: To deliver content quickly and securely

These providers have strict privacy agreements and cannot use your data for other purposes.

Legal Requirements

We may disclose information when required by law, such as:

In response to valid legal processes (subpoenas, court orders)
To protect our rights, safety, or property
To prevent fraud or security threats
To comply with applicable laws and regulations

Business Transfers

If our website is acquired or merged, user information may be transferred to the new owner, subject to this privacy policy.

5. Cookies and Tracking Technologies

We use cookies and similar technologies for:

Essential Functions: Remember your preferences (dark mode, language)
Analytics: Understand site usage patterns (anonymized)
Performance: Improve site speed and reliability

Essential Cookies (Required):

Session management
Security features
Basic site functionality

Analytics Cookies (Optional):

Google Analytics (anonymized IP addresses)
Vercel Analytics (privacy-focused)
Page view tracking

Managing Cookies

You can control cookies through your browser settings:

Block All Cookies: Some features may not work properly
Block Third-Party Cookies: Recommended for privacy
Delete Cookies: Clear stored preferences and data

Most browsers accept cookies by default, but you can change this setting.

6. Third-Party Services

Our website integrates with third-party services:

Analytics Providers

Google Analytics: Website traffic analysis (Privacy Policy)
Vercel Analytics: Performance monitoring (Privacy Policy)

We link to social platforms (Twitter/X, Bluesky) but do not embed tracking widgets.

External Links

Our site may link to mortgage lenders, financial resources, and educational content. These third parties have their own privacy policies. We are not responsible for their practices.

7. Data Security

We implement security measures to protect your information:

HTTPS/SSL Encryption: All data transmitted to our site is encrypted
Secure Hosting: Industry-standard server security
Access Controls: Limited access to any collected data
Regular Updates: Security patches and software updates

However, no Internet transmission is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

8. Your Privacy Rights

You have the following rights regarding your information:

General Rights

Access: Request information about data we hold (minimal)
Correction: Update any contact information you provided
Deletion: Request deletion of your contact information
Opt-Out: Decline analytics cookies via browser settings

California Residents (CCPA)

If you're a California resident, you have additional rights:

Right to know what information is collected
Right to delete personal information
Right to opt-out of "sales" (we don't sell data)
Right to non-discrimination for exercising rights

If you're in the EU/EEA, you have rights under GDPR:

Right to access, rectify, or erase personal data
Right to restrict or object to processing
Right to data portability
Right to withdraw consent
Right to lodge complaints with supervisory authorities

To exercise these rights, contact us at [email protected].

9. Children's Privacy

50 Year Mortgage Calculator is intended for users 18 years and older. We do not knowingly collect information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately for deletion.

10. International Users

Our website is operated from the United States. If you access our site from outside the U.S.:

Your data may be transferred to and processed in the United States
U.S. privacy laws may differ from your country's laws
By using our Service, you consent to this transfer
We implement appropriate safeguards for international data transfers

11. Data Retention

We retain information only as long as necessary:

Analytics Data: Typically retained for 14-26 months
Contact Information: Until you request deletion or we determine it's no longer needed
Calculation Data: Not stored - processed only in your browser

When data is no longer needed, we securely delete or anonymize it.

12. Do Not Track Signals

Some browsers have "Do Not Track" (DNT) features. Currently, there is no industry standard for responding to DNT signals. We do not track you across websites, so DNT settings don't significantly affect our minimal data collection.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

Changes in our practices
New features or services
Legal or regulatory requirements

When we make changes:

We update the "Last Updated" date at the top
We notify users of significant changes via website banner
Continued use after changes constitutes acceptance

We encourage you to review this policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data:

Email: [email protected]
Twitter/X: @mortgagecalc50
Response Time: We aim to respond within 5 business days

For privacy-specific inquiries or to exercise your rights, please include "Privacy Request" in your subject line.

By using 50 Year Mortgage Calculator, you consent to this Privacy Policy and agree to its terms.

Summary: What Makes Our Privacy Policy Different

Unlike many financial websites, we prioritize your privacy:

✅ No storage of financial calculations ✅ No account required ✅ No sharing with lenders ✅ No targeted financial advertising ✅ Minimal data collection ✅ Local browser calculations ✅ Transparent about what we collect

Last Updated: 2025-11-12

Use our calculator with confidence knowing your financial information stays private.