Privacy Policy

Last Updated: December 26, 2025

Introduction

Mortgage Payoff Calculator (“we,” “us,” or “our”) operates https://mortgage-payoffcalculator.com (the “Site”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site.

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

Information We Collect

Information You Provide

Calculator Inputs: When you use our mortgage payoff calculator, you input financial information such as:

  • Loan amount
  • Interest rate
  • Loan term
  • Payment amounts
  • Extra payment information

Necessary: All calculator inputs are processed locally in your browser. We do NOT store, save, or transmit your financial data to our servers. Your mortgage information remains private and is stored only on your device.

Contact Information: If you contact us through our contact form, we may collect:

  • Name
  • Email address
  • Message content

Information Automatically Collected

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

  • Browser type and version
  • Operating system
  • IP address
  • Pages visited and time spent on pages
  • Referring website
  • Date and time of visit

This information is collected through cookies and similar tracking technologies.

How We Use Your Information

We use the information we collect in the following ways:

To Provide and Maintain Our Service

  • Operate and maintain the calculator functionality
  • Improve user experience
  • Understand how users interact with the Site

To Communicate With You

  • Respond to your inquiries and comments
  • Send administrative information
  • Provide customer support

To Improve Our Site

  • Analyse usage patterns and trends
  • Monitor and analyse Site performance
  • Develop new features and functionality

For Legal and Safety Purposes

  • Comply with legal obligations
  • Protect against fraudulent or illegal activity
  • Enforce our Terms of Service

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Site and hold certain information. Cookies are small files of data sent to your browser from a website and stored on your device.

Types of Cookies We Use:

Essential Cookies: Required for the Site to function properly. Analytics Cookies: Help us understand how visitors use our Site. Preference Cookies: Remember your preferences and settings

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

Third-Party Services

We may use third-party service providers to help us operate our Site and analyse how it is used. These third parties have access to your information only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose.

We may use:

  • Google Analytics for website analytics
  • Advertising networks for displaying ads (if applicable)
  • Hosting providers for website infrastructure

These third-party services have their own privacy policies governing how they use your information.

Data Security

We implement reasonable security measures to protect your information from unauthorised access, use, or disclosure. However, please be aware that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Our security measures include:

  • Secure HTTPS connection
  • Regular security updates and monitoring
  • Limited access to personal information
  • Data encryption where appropriate

Your Financial Data Privacy

Critical Privacy Feature: All mortgage calculations are performed entirely within your web browser. Your financial information (loan amounts, interest rates, payment details) is:

  • Never transmitted to our servers
  • Never stored in our databases
  • Never shared with third parties
  • Completely private and under your control

When you close your browser or leave the Site, your calculator inputs are cleared unless you choose to save them locally on your device.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Right to Access: Request access to personal information we hold about you. Right to Correction: Request correction of inaccurate information. Right to Deletion: Request deletion of your personal information. Right to Object: Object to our processing of your personal information. Right to Data Portability: Request transfer of your information

To exercise these rights, please get in touch with us via our Contact Us page.

Children’s Privacy

Our Site is not intended for children under 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please get in touch with us.

California Privacy Rights

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

  • The right to know what personal information is collected
  • The right to delete personal information
  • The right to opt out of the sale of personal information (we do not sell personal information)

Do Not Track Signals

Some browsers have a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. We currently do not respond to Do Not Track signals.

International Users

Your information may be transferred to and maintained on servers located outside of your country, where data protection laws may differ. By using our Site, you consent to this transfer.

Changes to This Privacy Policy

We may update our 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 for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us through our Contact Us page