Privacy Policy

This Privacy Policy explains how Mortgage Payoff Calculator(“we,” “us,” or “our”) collects, uses, and protects information when you use this website and its calculators (the “Service”). We have written it in plain language so you can understand exactly what happens to your data. By using the Service, you agree to the practices described here.

Information we collect

We aim to collect as little as possible. The information we handle falls into three categories:

• Email addresses. When you choose to unlock your full results, payoff date, and amortization schedule, our calculators ask for your email address through an email gate. Providing it is voluntary — you can use the free headline results without submitting an email. We may also receive the calculator figures you entered (such as loan balance, interest rate, and payment) so we can prepare the results we send you.
• Server and usage logs. Like most websites, our servers automatically record standard technical information when you visit, such as your IP address, browser type and version, device and operating system, the pages you view, referring URLs, and the date and time of your request. This data helps us keep the Service secure, diagnose problems, and understand general usage trends.
• Cookies and similar technologies. We and our partners use cookies and similar technologies to make the site work, remember preferences, measure traffic, and — where applicable — serve advertising. You can control cookies through your browser settings; see the advertising section below for ad-specific choices.

How we use your email

When you submit your email address through a calculator, we use it to:

• Deliver the results you requested, including your estimated payoff date, total interest, interest saved, and full payoff plan.
• Send you occasional, related tips about paying down your mortgage and getting the most out of our calculators.

Your email address is stored securely with our infrastructure provider and is accessible only to those who need it to operate the Service. We never sell, rent, or trade your email address or other personal information. If we ever send marketing email, every message will include a way to unsubscribe, and you can also opt out at any time by contacting us using the details below.

Third-party advertising

This Service is free to use and is supported by advertising. We use third-party advertising companies, including Google, to serve ads when you visit the site.

• Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites.
• Google’s use of advertising cookies — including the Google and DoubleClick advertising (DART) cookie — enables it and its partners to serve ads to users based on their visits to this site and/or other sites on the Internet.
• You may opt out of personalized advertising by visiting Google Ads Settings.
• Alternatively, you can opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info/choices.

We do not control the cookies set by third-party advertisers, and this policy does not cover their practices. We encourage you to review the privacy policies of those providers, including Google’s policy on how it uses data from sites that use its services.

How we share information

We do not sell your personal information. We share data only in these limited situations: with service providers who help us operate the Service (for example, hosting, database, email delivery, and analytics providers) under obligations to protect your data; with advertising partners as described above, primarily through cookies; and where required by law, such as to comply with a valid legal process or to protect the rights, safety, and security of our users or the public.

Data retention

We keep personal information only for as long as it is needed for the purposes described in this policy, or as required to meet legal, accounting, or reporting obligations. Email addresses are retained while they remain useful for delivering results and related tips, and are deleted on request or when they are no longer needed. Server logs are typically retained for a limited period and then deleted or anonymized.

Your rights and choices

You have control over your information. Depending on where you live, you may have the right to:

• Access the personal information we hold about you.
• Request that we correct or delete your personal information.
• Withdraw consent or unsubscribe from any emails at any time.
• Opt out of personalized advertising using the links in the advertising section above.

To exercise any of these rights, contact us using the details below and we will respond within a reasonable timeframe.

Children’s privacy

This Service is intended for adults making decisions about their mortgages. It is not directed to children under the age of 16, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will revise the effective date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your information.

Contact us

If you have any questions about this Privacy Policy, how your data is handled, or you would like to exercise any of the rights described above, please reach us through our contact form. We will respond within a reasonable timeframe.