Privacy Policy

1. Information we collect

SimplifiedLoanCalc ("we," "our," or "us") operates the website simplifiedloancalc.com. This policy explains what information we collect when you visit our site and how we use it.

Information you provide directly

We may collect information you voluntarily provide, such as your email address if you subscribe to our newsletter or submit a contact form. We do not require you to create an account to use our tools or read our articles.

Information collected automatically

When you visit our site, we automatically collect certain information including:

• Your IP address and approximate geographic location (city/region level)
• Browser type, device type, and operating system
• Pages you visit, time spent on each page, and links clicked
• Referring website (the site that sent you to us)
• Date and time of your visit

This data is collected via Google Analytics 4 and is used solely to understand how visitors use our site so we can improve it.

Calculator data

All calculations performed using our mortgage calculator run entirely within your web browser. The numbers you enter (home price, income, loan amount, etc.) are never transmitted to our servers or stored anywhere. We have no access to your financial inputs.

2. How we use your information

We use the information we collect to:

• Improve and optimize our website content and user experience
• Understand which articles and tools are most helpful to our visitors
• Send email newsletters to subscribers (only if you opt in)
• Respond to questions or messages you send us
• Comply with legal obligations

We do not sell, rent, or share your personal information with third parties for their marketing purposes.

3. Cookies and tracking

Our website uses cookies — small text files stored on your device — to improve functionality and analyze site usage. Here is what we use:

Essential cookies

These are required for the website to function properly. They do not collect personal information and cannot be disabled.

Analytics cookies (Google Analytics)

We use Google Analytics 4 to collect anonymous data about how visitors use our site. This helps us understand which content is most valuable. Google Analytics data is anonymized and aggregated. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Advertising cookies

Google AdSense may place cookies on your device to show you relevant advertisements based on your interests. See Section 4 for more details.

You can control cookies through your browser settings. Note that disabling cookies may affect some functionality of the site.

4. Google AdSense and advertising

SimplifiedLoanCalc displays advertisements served by Google AdSense to support the free content and tools we provide. By using this site, you acknowledge that:

• Google uses cookies to serve ads based on your prior visits to this and other websites
• Google's use of advertising cookies enables it and its partners to serve ads based on your visits to our site and other sites on the internet
• You may opt out of personalized advertising by visiting Google Ads Settings
• You can also opt out via the Network Advertising Initiative opt-out page

We do not control which specific ads are shown. Google's advertising privacy policy governs how your data is used for ad personalization. We are not compensated for endorsing any specific advertiser or product that appears in ads on this site.

5. Third-party links

Our articles and calculator pages may contain links to third-party websites such as lenders, financial institutions, government agencies, or tools we recommend. These sites have their own privacy policies, and we have no responsibility for their content or practices.

Some links on our site may be affiliate links, meaning we may earn a small commission if you click through and make a purchase or sign up for a service. This never affects the price you pay. We only recommend products and services we genuinely believe are valuable to our readers.

6. Data security

We take reasonable measures to protect the limited personal information we collect. Our website uses HTTPS encryption (SSL/TLS) for all data transmitted between your browser and our servers. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

We retain analytics data for up to 26 months, after which it is automatically deleted by Google Analytics. Email addresses of newsletter subscribers are retained until you unsubscribe.

7. Children's privacy

SimplifiedLoanCalc is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us and we will promptly delete it.

8. Your rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: You can request a copy of the personal information we hold about you
• Correction: You can ask us to correct inaccurate information
• Deletion: You can request we delete your personal information
• Opt-out: You can unsubscribe from our email list at any time via the unsubscribe link in any email
• Do Not Track: We respect browser Do Not Track signals for analytics purposes

California residents have additional rights under the California Consumer Privacy Act (CCPA). We do not sell personal information to third parties. To exercise your rights, contact us at the address below.

9. Changes to this policy

We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. When we make significant changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our site after any changes constitutes acceptance of the updated policy.

10. Contact us

If you have any questions, concerns, or requests regarding this privacy policy or your personal information, please contact us: