Privacy Policy

We are committed to protecting your privacy. Here's exactly what we do — and don't do — with your information.

Effective date: January 1, 2026 Last updated: March 1, 2026 Contact: [email protected]

Overview

Mortgage-Calculator.co ("we", "our", or "us") operates the website at mortgage-calculator.co. This Privacy Policy explains how we handle information when you use our site. The short version: we collect as little data as possible, we never sell your information, and all mortgage calculations happen entirely in your browser — nothing you type into our calculators is ever sent to our servers.

Information We Do Not Collect

When you use any calculator on this site, we do not collect, transmit, or store any of the financial figures you enter, including:

  • Home price, loan amount, or down payment figures
  • Interest rates, income, or debt amounts
  • Property tax, insurance, HOA, or PMI values
  • Any other numbers entered into any calculator on this site

All calculations are performed client-side using JavaScript running in your own browser. Your data never leaves your device during the calculation process.

Information We May Collect

Like most websites, our web server may automatically receive standard technical information when you visit, including:

  • Your browser type and version
  • Your operating system
  • The referring URL (the page you came from)
  • Pages visited on our site and time of visit
  • Your IP address (anonymised where possible)

This information is used solely for diagnosing technical issues, understanding general traffic patterns, and improving the site. It is not linked to any individual identity.

Contact Form

If you submit a message through our contact page, we collect the information you voluntarily provide (name, email address, and message content). This information is used only to respond to your enquiry. We do not add you to any mailing list or share this information with third parties.

Cookies

Mortgage-Calculator.co does not use tracking cookies, advertising cookies, or any persistent cookies that identify you personally. We may use minimal session-based browser storage (localStorage) solely to remember your last calculator inputs within a single browsing session for your convenience. This data is stored only on your device.

Third-Party Services

Our site loads the following third-party resources:

  • Google Fonts — to render the Inter typeface. Google may log your IP address when serving font files. See Google's Privacy Policy.
  • Chart.js (jsDelivr CDN) — to render charts. jsDelivr may log access requests. See jsDelivr's Privacy Policy.
  • Cloudflare — our site is served through Cloudflare's network for performance and security. Cloudflare processes request metadata per their Privacy Policy.

We do not use Google Analytics, Facebook Pixel, or any other behavioural tracking or advertising technology.

Data Retention

We do not retain any financial data entered into our calculators. Contact form submissions are kept only as long as needed to respond to your enquiry, and are deleted thereafter. Server access logs are retained for up to 30 days for security and diagnostic purposes.

Children's Privacy

This site is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has submitted personal information to us, please contact us and we will delete it promptly.

Your Rights

Depending on your jurisdiction, you may have the right to access, correct, or delete personal information we hold about you. Since we collect very little personal data, most requests can be resolved quickly. To make a request, email us at [email protected].

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the site after changes are posted constitutes acceptance of the revised policy.

Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected]. We respond to all enquiries within 1–2 business days.