Privacy Policy

1. Introduction

Welcome to LoanCalcPro.info ("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 www.loancalcpro.info (the "Site").

By using our Site, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Site.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Contact us via email or contact form
• Subscribe to our newsletter (if applicable)
• Fill out forms on our Site
• Participate in surveys or promotions

This information may include:

• Name
• Email address
• Mailing address
• Phone number
• Any other information you choose to provide

2.2 Calculator Input Data

When you use our mortgage and loan calculators, you may enter financial information such as:

• Loan amounts
• Interest rates
• Income figures
• Debt amounts
• Property values
• Down payment amounts

Important: All calculator data is processed locally in your web browser and is NOT transmitted to our servers or stored by us. Your financial calculations remain private and confidential on your device.

2.3 Automatically Collected Information

When you visit our Site, we automatically collect certain information about your device and usage, including:

• Device Information: Browser type and version, operating system, device type
• Usage Data: Pages visited, time spent on pages, clicks, navigation paths
• Location Data: IP address, geographic location (city/country level)
• Referral Data: Referring website addresses, search terms used to find our Site
• Technical Data: Screen resolution, browser language, time zone

3. How We Use Your Information

We use the collected information for the following purposes:

• Provide Services: To operate and maintain our mortgage calculator tools and website
• Improve User Experience: To understand how users interact with our Site and improve functionality
• Analytics: To analyze usage patterns, trends, and Site performance
• Communication: To respond to your inquiries, comments, or requests
• Marketing: To send promotional materials or newsletters (with your consent)
• Security: To detect, prevent, and address technical issues and security threats
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Business Operations: To conduct business analysis and improve our services

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Site and store certain information. Cookies are small data files stored on your device that help us improve your experience.

4.1 Types of Cookies We Use

4.2 Managing Cookies

You can control and manage cookies in several ways:

• Browser Settings: Most browsers allow you to refuse cookies or alert you when cookies are being sent
• Cookie Consent Banner: Use our cookie consent banner to accept or decline specific cookie categories
• Opt-Out Tools: Use browser extensions or opt-out tools provided by advertising networks

Note: If you disable essential cookies, some features of our Site may not function properly.

5. Third-Party Services

We use third-party services to operate our Site and provide better functionality. These services may collect, use, and share your information according to their own privacy policies.

5.1 Google AdSense

We use Google AdSense to display advertisements on our Site. Google AdSense uses cookies to serve ads based on your prior visits to our Site or other websites on the Internet.

• Google's use of advertising cookies enables it and its partners to serve ads based on your visits to our Site and other sites
• You may opt out of personalized advertising by visiting Google Ads Settings
• For more information, visit Google's Privacy & Terms

5.2 Google Analytics

We use Google Analytics to analyze how visitors use our Site. Google Analytics collects information such as how often users visit the Site, what pages they visit, and what other sites they used prior to coming to the Site.

• Google Analytics uses cookies to collect this information anonymously
• We use this information to improve our Site and understand user behavior
• Google Analytics does not collect personal identification information
• You can opt out by installing the Google Analytics Opt-out Browser Add-on
• Learn more at Google Privacy Policy

5.3 Content Delivery Networks (CDNs)

We use third-party CDNs to deliver static assets (fonts, icons, libraries) for better performance:

• Google Fonts
• Tailwind CSS CDN
• Lucide Icons
• JavaScript libraries (Anime.js, ECharts, P5.js)

6. Data Security

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it:

• Encryption: We use SSL/TLS encryption for data transmission
• Access Controls: Limited access to personal information by authorized personnel only
• Regular Updates: We keep our systems and software updated with security patches
• Monitoring: Regular security audits and monitoring for suspicious activity
• Local Processing: Financial calculator data is processed locally in your browser and not transmitted to our servers

Important: While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Contact Information: Retained as long as necessary to respond to your inquiries
• Analytics Data: Retained according to Google Analytics data retention settings (14-50 months)
• Cookie Data: Varies by cookie type (session cookies expire when you close your browser; persistent cookies remain for a specified period)
• Calculator Data: Not retained as it's processed locally in your browser

8. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Objection: Object to processing of your personal information
• Restriction: Request restriction of processing your personal information
• Data Portability: Request transfer of your data to another service
• Withdraw Consent: Withdraw your consent at any time where we rely on consent
• Opt-Out: Opt out of marketing communications and personalized advertising

To exercise these rights, please contact us using the information provided in the Contact section below.

9. Children's Privacy

Our Site is not intended for children under the age of 13. 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 immediately.

If we discover that we have collected personal information from a child under 13 without verification of parental consent, we will delete that information as quickly as possible.

10. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ.

Our website is operated in the United States. If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including personal information, to the United States and process it there.

By using our Site, you consent to the transfer of your information to the United States and processing in accordance with this Privacy Policy.

11. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request information about personal information we have collected about you in the past 12 months
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the sale of your personal information (Note: We do not sell personal information)
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights

To exercise these rights, please contact us at the email address provided below. We will verify your identity before processing your request.

12. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR):

• Right of Access: Obtain confirmation of whether we process your personal data and access to that data
• Right to Rectification: Correct inaccurate or incomplete personal data
• Right to Erasure: Request deletion of your personal data ("right to be forgotten")
• Right to Restrict Processing: Restrict processing of your personal data
• Right to Data Portability: Receive your personal data in a structured, commonly used format
• Right to Object: Object to processing of your personal data
• Right to Withdraw Consent: Withdraw consent at any time
• Right to Lodge a Complaint: Lodge a complaint with a supervisory authority

Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Consent: You have given clear consent to process your personal data for specific purposes
• Legitimate Interests: Processing is necessary for our legitimate interests (e.g., improving our services)
• Legal Obligation: Processing is necessary to comply with legal obligations

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

When we make changes:

• We will post the new Privacy Policy on this page
• We will update the "Last Updated" date at the top of this policy
• For material changes, we may provide additional notice (such as a banner on our homepage or email notification)
• We encourage you to review this Privacy Policy periodically

Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

14. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

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Effective Date: October 2025
Last Reviewed: October 2025
This privacy policy is compliant with GDPR (General Data Protection Regulation), CCPA (California Consumer Privacy Act), and other applicable privacy laws.