1. Introduction
Welcome to MortgageTools.app ("we," "our," or "us"). This Privacy Policy explains how we collect, use, and protect your information when you use our free mortgage calculator tools at mortgagetools.app. By using our site, you agree to the terms of this policy.
2. Information We Collect
We do not require you to create an account or provide personal information to use our calculators. However, we may automatically collect certain non-personal information when you visit our site, including: • Browser type and version • Device type (desktop, mobile, tablet) • Pages visited and time spent on pages • Referring URLs • General geographic location (country/region, derived from IP address) This information is collected through analytics tools and advertising partners to help us improve the site and serve relevant ads. We use Google Analytics 4 (GA4) to collect usage data, approximate location, and device and browser information. GA4 uses cookies to collect this data, and the data is processed by Google on our behalf. Calculator inputs are not sent to Google Analytics or to our servers.
3. How We Use Your Information
We use the information collected to: • Operate and improve the functionality of our calculators • Analyze site usage and traffic patterns • Display relevant advertisements through Google AdSense • Comply with legal obligations
4. Google AdSense & Advertising
We use Google AdSense to display advertisements on our site. Google and its partners may use cookies and similar technologies to serve ads based on your prior visits to this or other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet. You may opt out of personalized advertising by visiting Google's Ads Settings at https://adssettings.google.com. For more information on how Google uses data when you visit our site, please visit: https://policies.google.com/technologies/partner-sites
5. Cookies
Our site uses cookies — small text files stored on your device — to improve user experience and enable advertising features. These include: • Analytics cookies (Google Analytics 4, e.g., _ga and _ga_*) to understand how visitors use our site • Advertising cookies (e.g., Google AdSense) to serve relevant ads You can control cookie settings through your browser. Note that disabling cookies may affect the functionality of some features. To opt out of Google Analytics, you can install the Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout, or block cookies in your browser settings. To opt out of personalized advertising, visit Google's Ads Settings at https://adssettings.google.com.
6. Third-Party Services
We use the following third-party services that have their own privacy policies: • Google Analytics — https://policies.google.com/privacy • Google AdSense — https://policies.google.com/privacy To learn how Google uses information from sites or apps that use its services, including ours, see "How Google uses information from sites or apps that use our services": https://policies.google.com/technologies/partner-sites We are not responsible for the privacy practices of these third parties.
7. Data Retention
We do not store any personally identifiable information from calculator inputs. All mortgage calculations are performed locally in your browser and are not transmitted to or stored on our servers.
8. Children's Privacy
Our site is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.
9. Your Rights
Depending on your location, you may have rights regarding your personal data, including the right to access, correct, or delete information we hold about you. To exercise these rights, please contact us at the email below.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
11. Contact Us
If you have any questions about this Privacy Policy, please contact us at: MortgageTools.app Email: privacy@mortgagetools.app