Privacy Policy

1. Introduction

MortgageIQ ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we handle information when you use our mortgage calculator service at mortgageiq-nu.vercel.app (the "Service").

2. Information We Collect

2.1 Information You Provide

All mortgage calculations (home price, down payment, interest rate, loan term) are processed entirely in your web browser using JavaScript. We do not collect, store, or transmit this financial data to our servers.

2.2 Automatically Collected Information

When you visit our website, we may automatically collect:

• Browser type and version
• Device information (type, operating system)
• IP address (anonymized)
• Pages visited and time spent on each page
• Referring website URL
• Date and time of visits

3. How We Use Information

We use collected information to:

• Improve our Service and user experience
• Analyze website traffic and usage patterns
• Display relevant advertisements (Google AdSense)
• Detect and prevent fraud or abuse
• Comply with legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your theme preference (dark/light mode)
• Remember your selected currency
• Analyze website traffic (Google Analytics)
• Serve personalized advertisements (Google AdSense)

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality and limit some features.

5. Third-Party Services

5.1 Google AdSense

We use Google AdSense to display advertisements. Google may use cookies to serve ads based on your prior visits to our website or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

5.2 Google Analytics

We use Google Analytics to understand how visitors use our site. Google Analytics collects information anonymously and reports website trends without identifying individual visitors. Learn more about Google's Privacy Policy.

5.3 Vercel Hosting

Our website is hosted on Vercel. Vercel may collect server logs including your IP address, browser information, and request details. Review Vercel's Privacy Policy.

6. Data Security

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

7. Your Rights

You have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion of your data
• Object to data processing
• Opt-out of marketing communications
• Disable cookies in your browser settings
• File a complaint with a supervisory authority

8. Children's Privacy

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Service, you consent to this transfer.

10. Changes to This 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 questions about this Privacy Policy or our privacy practices, please visit our Contact page.