Privacy Policy

1. Introduction

Welcome to 50YearMortgageCalculator.net ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our 50 year mortgage calculator tools.

2. Information We Collect

2.1 Information You Provide

Our 50 year mortgage calculator does not require registration or personal information to use. However, if you contact us via email, we may collect:

• Your name
• Email address
• Message content

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing activity:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website
• Device information

2.3 Calculator Usage Data

When you use our 50 year mortgage calculator, all calculations are performed locally in your browser. We do not store or transmit the specific loan amounts, interest rates, or other financial information you enter into the calculator.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and maintain our 50 year mortgage calculator service
• To improve and optimize our website and user experience
• To analyze website usage and trends
• To respond to your inquiries and provide customer support
• To detect and prevent fraud or abuse
• To comply with legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website:

4.1 Essential Cookies

These cookies are necessary for the website to function properly and cannot be disabled.

4.2 Analytics Cookies

We use Google Analytics and Microsoft Clarity to understand how visitors use our 50 year mortgage calculator. These services collect:

• Pages visited and navigation patterns
• Time spent on pages
• Device and browser information
• General geographic location (city/country level)

5. Third-Party Services

We use the following third-party services that may collect information:

• Google Analytics: For website analytics and performance monitoring
• Microsoft Clarity: For user behavior analysis and heatmaps
• Google Fonts: For typography (may collect IP address)

These third-party services have their own privacy policies and we encourage you to review them.

6. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

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

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Opt-out: Opt-out of certain data collection practices
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us at support@50yearmortgagecalculator.net

8. Children's Privacy

Our 50 year mortgage calculator is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our website, you consent to such transfers.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

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

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your information, and the right to opt-out of the sale of your personal information. We do not sell personal information.

13. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, erase, restrict processing, object to processing, and data portability. You also have the right to lodge a complaint with a supervisory authority.