Cookies Policy

Last Updated: September 11, 2025

1. Introduction

This Cookie Policy explains how TheMortgagePayoffCalc.com (“we,” “us,” or “our”) uses cookies and similar tracking technologies on our website. By using our website, you consent to the use of cookies as described in this policy. This policy is part of our broader Privacy Policy and is designed to comply with privacy laws such as the GDPR (General Data Protection Regulation) and CCPA (California Consumer Privacy Act).

2. What Are Cookies?

Cookies are small text files stored on your device (computer, smartphone, or tablet) when you visit a website. They help websites remember your preferences, enhance your browsing experience, and provide anonymized data to website owners for analytics and functionality purposes. Cookies can be either:

  • First-party cookies: Set by us directly.
  • Third-party cookies: Set by trusted partners (e.g., analytics services).

3. Types of Cookies We Use

We use the following categories of cookies on our website:

CategoryPurposeExamples
Essential CookiesNecessary for the website to function properly (e.g., security, login sessions, and tool functionality).Session IDs, security tokens.
Performance CookiesHelp us understand how visitors interact with our site (e.g., page views, loading times, and errors).Google Analytics (anonymized data).
Functionality CookiesRemember your preferences (e.g., calculator settings, language, or theme choices).Saved mortgage calculation inputs.
Statistics CookiesCollect aggregated data about website usage to improve content and user experience.Heatmaps, A/B testing tools.
Marketing CookiesNot used on our website. We do not track users for advertising purposes.N/A

4. Why We Use Cookies

  • To Ensure Functionality: Essential cookies enable features like our mortgage calculator and secure session management.
  • To Improve Performance: Analytics cookies help us optimize page load times and fix errors.
  • To Enhance User Experience: Functionality cookies remember your preferences (e.g., loan term inputs or currency settings).
  • To Comply with Legal Requirements: We use cookies to record your consent choices regarding cookie usage.

5. Third-Party Cookies

We may use the following third-party services that place cookies:

  • Google Analytics: To analyze anonymized traffic data. Google’s cookies are subject to its own Privacy Policy.
  • Embedded Content: If we include videos or interactive content (e.g., YouTube), these platforms may set cookies. We do not control these cookies.

6. How to Manage Cookies

You can control or disable cookies through your browser settings. Here’s how:

  • Chrome: Go to Settings > Privacy and Security > Cookies and Other Site Data.
  • Firefox: Go to Options > Privacy & Security > Cookies and Site Data.
  • Safari: Go to Preferences > Privacy > Manage Website Data.

Note: Disabling cookies may affect website functionality (e.g., our calculator tool may not save your inputs).

7. Your Rights

Depending on your location, you have the right to:

  • Withdraw Consent: Change your cookie preferences at any time.
  • Access Information: Request details about the cookies we use.
  • Opt Out of Analytics: Use tools like the Google Analytics Opt-out Browser Add-on.

8. Policy Updates

We may update this policy to reflect changes in technology or legal requirements. The “Last Updated” date at the top of this page will indicate revisions. Continued use of our website constitutes acceptance of these changes.

9. Contact Us

For questions about this Cookie Policy, contact us at:

  • Email: support@themortgagepayoffcalc.com

For more details on data handling, read our Privacy Policy.

10. Additional Information

  • No Advertising: We do not use cookies for advertising or cross-site tracking.
  • Data Retention: Cookies are stored for varying durations (e.g., session cookies expire when you close your browser, while persistent cookies may last up to 2 years).
  • Global Compliance: This policy is designed to meet EU GDPR and California CCPA requirements.

Disclaimer: This Cookie Policy is for informational purposes and does not constitute legal advice. For tailored compliance solutions, consult a legal professional.

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