Privacy Policy

Overview

This Mortgage Recast vs Refinance Calculator ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we handle information when you use our calculator tool.

Information We Collect

Calculator Data: All calculations are performed entirely in your browser. We do not collect, store, or transmit any loan information, payment amounts, or other financial data you enter into the calculator.

Usage Analytics: We may collect anonymous usage statistics (page views, browser type, device type) through privacy-focused analytics services such as Cloudflare Analytics to improve our service. This data is not linked to any personally identifiable information.

How We Use Information

We use anonymized usage data solely to:

• Improve the calculator's functionality and user experience
• Identify and fix technical issues
• Understand which features are most valuable to users

Data Storage

Your calculator inputs are stored locally in your browser using browser storage technology. This allows your data to persist between sessions for your convenience. This data never leaves your device and can be cleared at any time by clearing your browser's data.

Third-Party Services

Affiliate Links: Our site contains affiliate links to third-party financial services. When you click these links, you may be directed to external websites that have their own privacy policies. We are not responsible for the privacy practices of these third parties.

Analytics: We may use third-party analytics services such as Cloudflare Analytics that use cookies and similar technologies. These services collect only anonymized data.

Cookies

We use minimal cookies for essential functionality and anonymous analytics. You can control cookies through your browser settings. Note that disabling cookies may affect the calculator's ability to save your inputs between sessions.

Your Rights

You have the right to:

• Clear your browser's local storage at any time
• Opt out of analytics tracking via browser settings or privacy tools
• Request information about any data we may have collected
• Depending on your location, you may have additional rights under applicable privacy laws. We honor all such rights in accordance with applicable law.

Children's Privacy

Our service is not directed to children under 13. We do not knowingly collect information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.

Contact

If you have questions about this Privacy Policy, please contact us at [email protected].