Privacy Policy

Introduction

PrimeMortgageCalc ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website primemortgagecalc.com.

Please read this privacy policy carefully. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by all the terms of this privacy policy. If you do not agree with any part of this policy, you should not use the site.

The short version: our calculators run in your browser, your loan inputs stay on your device, and we never ask you to create an account. The sections below explain the limited information that is involved when you simply load a page or write to us.

Information We Collect

Calculator inputs are not collected

The calculators on this site run entirely in your browser. Home price, down payment, loan amount, interest rate, loan term, property tax, insurance, HOA dues, and everything else you type in is used by local JavaScript to produce a result on your screen. Those values are not sent to our servers, not written to a database, and not attached to any analytics event. Closing the tab erases them. You do not need an account, and there is no submission step between entering numbers and seeing a payment.

Information You Provide

The only information you might voluntarily provide is:

• Contact Information: If you choose to contact us via email or the contact form, we will receive your email address, your name if you give it, and any information you include in your message.
• Feedback: If you submit feedback or suggestions, we may collect any information you provide, including screenshots you choose to attach.

Information Automatically Collected

When you visit our website, we may automatically collect certain information through cookies and similar tracking technologies:

• Usage Data: Pages you visit, time spent on pages, links clicked, and referring page
• Device Information: Browser type, operating system, device type, and screen size category
• Analytics: We use Google Analytics to understand how visitors use our site. This data is aggregated or anonymized and cannot reasonably be used to identify you personally.

We do not collect Social Security numbers, income, employment, bank account details, credit scores, or any other sensitive financial data, and you should never enter such information anywhere on this site.

How We Use Your Information

We use the information we collect to:

• Operate and maintain our website
• Improve user experience and website performance
• Understand how visitors use our website through analytics
• Respond to your inquiries and communicate with you
• Detect, prevent, and address technical issues and abuse
• Meet legal obligations and enforce our Terms of Service

We do not use anything you enter in a calculator for any purpose, because that input never reaches us. We do not build financial profiles, do not score or qualify visitors, and do not send marketing email unless you have specifically asked to receive it.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and to measure site performance. Cookies are small files stored on your device that help us remember your preferences and count visits.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly, such as remembering that a cookie banner was dismissed
• Analytics Cookies: Help us understand how visitors interact with our website so we can fix slow or confusing pages
• Preference Cookies: Remember your settings and preferences, such as calculator defaults you have changed
• Advertising Cookies: Set by our advertising partners to control how often you see an ad and to measure ad performance

You can control or disable cookies through your browser settings, and you can opt out of Google Analytics with Google's available opt-out tools. Where a consent banner is shown, you may reject non-essential cookies and continue to use every calculator on the site. Disabling cookies will not affect calculation results, because the calculators do not depend on them.

Third-Party Disclosure

We do not sell your personal information. We may share limited information with service providers that help us operate the site:

• Google Analytics: Used for website analytics. Google processes anonymized information about website usage under its own privacy policy.
• Advertising partners: Ad networks may set cookies to serve and measure ads. You can adjust ad personalization through the ad settings provided by those networks.
• Hosting and CDN providers: Content delivery networks and our host process request data such as IP address and page requested in order to serve pages securely.
• Contact form provider: Messages sent through the form on our contact page are delivered to our mailbox by the form processor.

We may also disclose information if required by law, regulation, or legal process, or to protect the rights, safety, and property of our site or its users. Any third party that processes data for us is restricted to using it for the purpose we engaged them for.

Data Retention

We keep personal information only as long as it is needed for the purpose it was collected for. Because calculator inputs are never transmitted, there is nothing about your loan scenario for us to retain or delete. Messages sent through the contact form or by email are kept for as long as needed to respond and to keep a reasonable record of correspondence, and are deleted sooner on request. Analytics records are retained by our analytics provider under its standard retention settings. Server logs used for security and error diagnosis are rotated on a short schedule. When information is no longer required, we delete it or de-identify it.

Data Security

We implement appropriate technical and organizational measures to protect your information:

• Secure data transmission using SSL/TLS encryption
• Regular security assessments and updates
• Access to personal information limited to the people who need it
• Spam and abuse protection on our contact form

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If we become aware of a breach affecting personal information we hold, we will notify you and the appropriate authorities as required by law.

Your Rights

You have the following rights regarding your information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request deletion of your personal information, subject to legal recordkeeping requirements
• Opt-out: Opt out of analytics and advertising cookies through your browser settings or the consent controls on the site
• Non-discrimination: You will not receive a different price or service for exercising a privacy right

Under the California Consumer Privacy Act (CCPA), California residents may also request to know the categories of personal information collected, request deletion, and opt out of any "sale" of personal information. We do not sell personal information, so there is nothing to opt out of on that front. To exercise any of these rights, contact us at [email protected] or through our contact page. We will respond within the period required by applicable law.

Children's Privacy

Our website is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. Where state or regional law sets a higher age — 16 in some jurisdictions — we apply that higher threshold before collecting information from a minor. If you believe we have collected information from a child below the applicable age, contact us immediately and we will delete it. Because our calculators require no registration and collect no input data, children can use the tools without providing personal information, but the site is written for adults making borrowing decisions.

International Data Transfers

PrimeMortgageCalc is based in the United States, and the information we do hold is processed on servers located in the United States. Our analytics, hosting, and advertising providers may process data in other countries as well. When data moves across borders, it is handled under the provider's contractual safeguards. By using the site, you understand that privacy protections in the United States may differ from those in your own country. If you are visiting from outside the United States and have questions about how your data is handled, contact us before submitting personal information through the contact form.

Changes to This Privacy Policy

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 shown at the top of the page. Material changes, such as a new category of information collected or a new purpose for using it, will be called out clearly on this page. You are advised to review this privacy policy periodically for any changes. Your continued use of the site after a revision means you accept the revised policy.

Contact Us

If you have any questions about this Privacy Policy or want to exercise one of your rights, please contact us:

• By email: [email protected]
• Through our Contact page
• By mail: PrimeMortgageCalc, 1603 Capitol Ave, Suite 310, Cheyenne, WY 82001

See also our disclaimer for the limits on our calculators, and our Terms of Service for the terms that govern use of the site.