Privacy Policy

Last Updated: February 22, 2026

MortgageCalc ("we," "us," or "our") operates the website located at calcowa.com/mortgage-calculator (the "Site"). This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this policy carefully. By accessing or using the Site, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please discontinue use of the Site immediately.

1. Information We Collect

1.1 Automatically Collected Information

When you visit the Site, our servers and third-party analytics services may automatically record certain information about your visit. This information may include:

• IP Address: Your Internet Protocol address is collected for analytics, security, and fraud prevention purposes. IP addresses may be anonymized before storage depending on your geographic region and applicable law.
• Browser and Device Information: We collect your browser type and version, operating system, device type (desktop, tablet, or mobile), screen resolution, and preferred language settings.
• Usage Data: We record pages visited, time spent on each page, referral URLs, click patterns, and navigation paths through the Site.
• Approximate Location: Based on your IP address, we may determine your approximate geographic location at the country or city level. We do not collect precise GPS coordinates.

1.2 Calculator Input Data

All mortgage calculations performed on MortgageCalc are processed entirely on the client side, within your web browser. The financial data you enter into our calculators — including home prices, loan amounts, interest rates, down payments, income figures, and debt amounts — is never transmitted to our servers. Your calculation data remains private on your device and is not stored, logged, or accessible to us or any third party.

1.3 Voluntarily Provided Information

If you contact us via email at contact@calcowa.com, we will collect the information you provide in your correspondence, such as your name, email address, and the content of your message. This information is used solely to respond to your inquiry and is not shared with any third parties for marketing purposes.

2. Cookies and Tracking Technologies

2.1 What Are Cookies?

Cookies are small text files placed on your device by websites you visit. They are widely used to make websites work more efficiently, provide reporting information, and enable certain features such as remembering your preferences.

2.2 Cookies We Use

MortgageCalc uses the following categories of cookies:

• Strictly Necessary Cookies: These cookies are essential for the Site to function properly. They enable core functionality such as page navigation, access to secure areas, and rendering of interactive calculator tools. These cookies do not collect personally identifiable information and cannot be disabled without affecting site functionality.
• Analytics Cookies (Google Analytics): We use Google Analytics (provided by Google LLC) to understand how visitors interact with our Site. Google Analytics uses cookies to collect anonymized data including pages visited, session duration, bounce rates, and traffic sources. This data helps us improve our content, tools, and user experience. Google Analytics may transfer data to servers located in the United States. For more information, see Google's Privacy Policy.
• Preference Cookies: These cookies remember settings you have chosen, such as your preferred language for Google Translate. They enhance your browsing experience by personalizing the Site to your preferences across visits.

2.3 Managing Cookies

Most web browsers allow you to control cookies through their settings. You can typically set your browser to refuse all cookies, accept only first-party cookies, or delete cookies when you close the browser. Please note that disabling cookies may impair certain features of the Site. Instructions for managing cookies in popular browsers:

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

3. Google Analytics

We use Google Analytics 4 (GA4), a web analytics service provided by Google LLC ("Google"). GA4 uses cookies and similar technologies to collect and analyze information about the use of our Site. The data generated by these cookies about your use of the Site (including your IP address) is transmitted to and stored by Google on servers that may be located outside your country of residence.

Google will use this information on our behalf to evaluate your use of the Site, compile reports on website activity, and provide us with other analytical services relating to website activity and internet usage. Google may also transfer this information to third parties where required by law or where such third parties process the information on Google's behalf.

You may opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on. This add-on instructs Google Analytics JavaScript (ga.js, analytics.js, and dc.js) to prohibit sending information to Google Analytics.

4. Google Fonts

This Site uses Google Fonts, a web font service provided by Google LLC. When you access a page on our Site, your browser loads the required fonts from Google's servers. This means that your browser establishes a direct connection to Google's servers, and Google may receive your IP address and information about the browser and device you used to access the Site. Google Fonts does not set or use cookies for font delivery. For more information, refer to Google Fonts Privacy FAQ.

5. Third-Party Services

In addition to Google Analytics and Google Fonts described above, we may use the following third-party services:

• Google Translate: We offer language translation functionality via Google Translate. When you use this feature, your request is processed by Google's servers, and Google's privacy policy governs the handling of that data.
• DMCA.com: We display a DMCA protection badge on our Site. Loading this badge may involve a request to DMCA.com's servers, which is governed by DMCA.com's own privacy policy.
• Content Delivery Networks (CDNs): We may load fonts, icons, or other static assets from third-party CDNs. These CDNs may log standard web server data such as IP addresses and user-agent strings.

We do not sell, rent, or trade your personal information to any third parties. We do not use third-party advertising networks or display personalized advertisements on this Site. We do not participate in any data broker arrangements.

6. How We Use Your Information

We use the information we collect for the following purposes:

• To operate, maintain, and improve the Site and our mortgage calculator tools
• To analyze usage trends and measure the effectiveness of our content
• To respond to your inquiries and provide customer support
• To detect, prevent, and address technical issues, security threats, and fraudulent activity
• To comply with legal obligations and enforce our Terms of Service
• To generate aggregated, anonymized statistical data that cannot be used to identify any individual

7. Data Retention

We retain automatically collected analytics data for a maximum of 26 months, consistent with Google Analytics default data retention settings. Any personal data provided through direct correspondence (such as emails) is retained only for as long as necessary to resolve your inquiry and for a reasonable period thereafter for record-keeping purposes, typically no longer than 12 months after the last communication.

8. Data Security

We implement reasonable administrative, technical, and physical security measures to protect the information we collect. Our Site is served over HTTPS (TLS encryption) to ensure that data transmitted between your browser and our servers is encrypted in transit. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

9. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Right of Access: You have the right to request a copy of the personal data we hold about you.
• Right to Rectification: You have the right to request correction of inaccurate personal data.
• Right to Erasure: You have the right to request deletion of your personal data, subject to certain legal exceptions.
• Right to Restriction: You have the right to request that we restrict the processing of your personal data under certain circumstances.
• Right to Data Portability: Where applicable, you have the right to receive your personal data in a structured, commonly used, and machine-readable format.
• Right to Object: You have the right to object to the processing of your personal data for certain purposes, including direct marketing.
• Right to Withdraw Consent: Where processing is based on your consent, you have the right to withdraw that consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.

To exercise any of these rights, please contact us at contact@calcowa.com. We will respond to your request within 30 days or as required by applicable law.

10. Children's Privacy

The Site is not intended for individuals under the age of 16. We do not knowingly collect personal information from children under 16 years of age. If we become aware that we have inadvertently collected personal data from a child under 16, we will take reasonable steps to delete such information from our records promptly. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at contact@calcowa.com.

11. Do Not Track Signals

Some web browsers transmit "Do Not Track" (DNT) signals to websites. Because there is no universally accepted standard for how to respond to DNT signals, we do not currently respond to DNT signals. However, you can manage your privacy preferences through the cookie management options described in Section 2.3 above and by using the Google Analytics opt-out tool referenced in Section 3.

12. International Data Transfers

If you are accessing the Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers and third-party service providers are located. Data protection laws in the United States may differ from those in your country of residence. By using the Site, you consent to the transfer of your information to the United States, subject to the safeguards described in this Privacy Policy.

13. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. 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 to stay informed about how we protect your information. Your continued use of the Site after any changes to this Privacy Policy constitutes your acceptance of the revised policy.

14. Contact Us for Privacy Matters

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

• Email: contact@calcowa.com
• Website: calcowa.com/mortgage-calculator/contact.html

We take all privacy inquiries seriously and will respond within 30 days of receiving your message.