Privacy Policy

Last Updated: September 12, 2025

1. Introduction

Welcome to TheMortgagePayoffCalc.com (“we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services, including our mortgage calculator tools and educational content (collectively, the “Services”). By using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Services.

2. Information We Collect

We collect both personally identifiable information (“PII”) and non-personally identifiable information, as follows:

A. Personal Information:

  • Information You Provide: When you use our calculator tools, we may collect information such as:
    • Loan amount, interest rate, loan term, and other mortgage-related details.
    • Contact information (e.g., email address) if you voluntarily subscribe to newsletters or contact us.
  • Automatically Collected Information: When you visit our website, we may collect:
    • Log Data: Your IP address, browser type, operating system, pages visited, and time spent on the site.
    • Cookies and Tracking Technologies: We use cookies to enhance user experience and analyze site traffic. For details, see our Cookie Policy.

B. Non-Personal Information:

  • Aggregated or anonymized data that cannot be used to identify you individually.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To provide, operate, and improve our Services.
  • To personalize your experience and respond to your inquiries.
  • To analyze trends and user behavior to enhance our website functionality.
  • To comply with legal obligations and protect our rights.

4. Legal Basis for Processing (GDPR Compliance)

If you are located in the European Economic Area (EEA), we process your data based on:

  • Consent: When you voluntarily provide data.
  • Legitimate Interest: For site analytics and improvements.
  • Legal Obligation: To comply with applicable laws.

5. Sharing Your Information

We do not sell, trade, or rent your PII to third parties. However, we may share information with:

  • Service Providers: Trusted third parties who assist in operating our website (e.g., hosting providers, analytics services). These parties are obligated to protect your data.
  • Legal Requirements: When required by law or to protect our rights.

6. Data Security

We implement reasonable security measures to protect your data, including encryption and access controls. However, no method of transmission over the internet is 100% secure.

7. Your Rights

Depending on your location, you may have the following rights:

  • Access and Portability: Request a copy of your data.
  • Rectification: Correct inaccurate information.
  • Erasure: Request deletion of your data.
  • Opt-Out: Object to processing or withdraw consent (e.g., for cookies).
  • Non-Discrimination: We will not discriminate against you for exercising your rights.

To exercise these rights, contact us at [support@themortgagepayoffcalc.com].

8. Children’s Privacy

Our Services are not intended for children under 13. We do not knowingly collect PII from children. If you believe a child has provided us with data, please contact us immediately.

9. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices. We encourage you to review their privacy policies.

10. Data Retention

We retain your data only as long as necessary to fulfill the purposes outlined in this policy or to comply with legal obligations.

11. Changes to This Policy

We may update this Privacy Policy periodically. The “Last Updated” date will reflect changes. Continued use of our Services constitutes acceptance of these changes.

12. Contact Us

If you have questions about this Privacy Policy, contact us at:

  • Email: [support@themortgagepayoffcalc.com]

13. Additional Disclosures

  • CCPA/CPRA Compliance: California residents have the right to know what personal information is collected and to request deletion. We do not sell your data.
  • GDPR Compliance: For EEA users, we comply with GDPR requirements, including data minimization and accountability.
  • Global Applicability: This policy is designed to meet the requirements of multiple privacy laws, including those in the U.S., Canada, and the EEA.

Disclaimer: This Privacy Policy is a template and does not constitute legal advice. For tailored compliance solutions, consult a legal professional.

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