Privacy Policy

Last updated: May 27, 2026

Mortgage Calc Tools ("we," "us," or "our") operates the website homecalctools.com. This Privacy Policy explains what information we collect, how we use it, and what choices you have regarding your data. We are committed to protecting your privacy and being transparent about our data practices.

Calculator Inputs — Your Financial Data Stays Private

When you use our mortgage calculators, you enter financial information such as home prices, loan amounts, interest rates, income figures, and debt amounts. This data is processed entirely in your web browser using JavaScript. We do not transmit, store, or have access to any numbers you enter into our calculators. Your financial data never leaves your device and is not sent to our servers or any third party.

This means you can use our calculators with complete confidence that your mortgage details, income information, and other financial data remain private. You can verify this by using our calculators while disconnected from the internet — they function identically because all calculations happen locally.

Information We Collect Automatically

When you visit homecalctools.com, certain technical information is collected automatically by our web hosting provider (Cloudflare) and our analytics service (Google Analytics). This information includes your IP address, browser type and version, operating system, device type (desktop, tablet, or mobile), screen resolution, referring URL (the page you came from), the pages you visit on our site, the time and date of your visit, and how long you spend on each page.

We use this information in aggregate to understand how visitors use our site, which calculators are most popular, and how we can improve the user experience. We do not use this data to personally identify individual visitors or to build profiles of individual users.

Google Analytics

We use Google Analytics 4 to understand how visitors interact with our site. Google Analytics collects information about your visit using cookies and similar technologies. This data helps us understand which pages are most useful, how visitors navigate the site, and where we can improve. Google Analytics data is processed by Google in accordance with their privacy policy. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Cookies and Tracking Technologies

Cookies are small text files stored on your device by your web browser. We use cookies for the following purposes:

Essential cookies: These are necessary for the basic functionality of our website, such as remembering your cookie consent preferences. These cookies do not collect personal information.

Analytics cookies: Google Analytics uses cookies to distinguish unique visitors and track sessions. These cookies (named _ga, _ga_*, and _gid) are set by Google and expire after varying periods (up to 2 years for _ga). They contain randomly generated identifiers and do not contain personal information.

Advertising cookies: We display advertisements through Google AdSense, which may use cookies to serve ads based on your browsing history across websites. Google and its advertising partners may place and read cookies on your browser or use web beacons to collect information for ad personalization. You can control personalized advertising through Google Ad Settings, opt out of third-party ad cookies at aboutads.info, or use your browser settings to block or delete cookies.

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies, accept only first-party cookies, or notify you when a cookie is being set. Note that blocking all cookies may affect the functionality of some features on our site and other websites you visit.

Third-Party Services

Our website uses the following third-party services that may collect data as described in their respective privacy policies:

Cloudflare: Our hosting and content delivery provider. Cloudflare may collect technical data such as IP addresses for security and performance purposes. See Cloudflare's Privacy Policy.

Google AdSense: Our advertising provider. Google may collect and use data for ad personalization as described in Google's Privacy Policy.

Google Analytics: Our analytics provider. See Google's Privacy Policy and Google Analytics data practices.

Information Sharing

We do not sell, rent, or trade your personal information to third parties. We do not share individually identifiable information with anyone except as required by law (for example, in response to a valid legal request such as a subpoena or court order). We may share aggregated, non-personally identifiable data — such as total page views or the percentage of visitors using mobile devices — with analytics and advertising partners.

Data Retention

Web server logs maintained by Cloudflare are retained according to Cloudflare's data retention policies. Google Analytics data is retained for 14 months, after which it is automatically deleted. Calculator inputs are processed client-side in your browser and are never transmitted to or stored by us.

Your Rights and Choices

Depending on your location, you may have the right to access, correct, delete, or restrict the processing of your personal data. Since we collect minimal data (primarily through cookies and server logs) and do not maintain user accounts, the most effective way to exercise control over your data is through your browser's cookie settings and the opt-out tools mentioned above. If you have questions about your data or wish to exercise your privacy rights, contact us at the email address below.

Children's Privacy

Our site is not directed at children under 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take steps to delete that information promptly. If you believe a child under 13 has provided us with personal information, please contact us.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy or our data practices, please email hello@homecalctools.com.