Privacy Policy

MortgageCalculatorIQ ("we," "us," or "our"), operated by MortgageCalculatorIQ LLCand owned by Dr. Tiffani Shelton, operates mortgagecalculatoriq.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://mortgagecalculatoriq.com, use our free mortgage calculators, subscribe to our newsletter, or create a Pro account.

Please read this policy carefully. By accessing or using our site, you consent to the practices described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our website.

Automatically Collected Information

When you visit mortgagecalculatoriq.com, we automatically collect certain information, including:

• Log data: IP address, browser type and version, pages visited, time spent on pages, referring URLs, and access timestamps
• Cookies and tracking technologies: session cookies, persistent cookies, and analytics cookies (see Section 5 for details)
• Device information: device type, operating system, screen resolution, and language preferences

Information You Provide Voluntarily

• Email address when signing up for rate alerts or our weekly mortgage rate newsletter
• Name when creating a MortgageCalculatorIQ Pro account
• Payment information processed entirely by Stripe — we never store, process, or have access to your full credit card numbers
• Calculator inputs such as loan amounts, income, and home values entered into our calculators — stored only if you save calculations as a Pro member

Information from Third Parties

• Google Analytics: aggregate usage data and demographic information about how visitors interact with our site
• Google AdSense: cookie-based ad targeting data managed by Google
• Stripe: payment processing data including subscription status and billing history (card details remain with Stripe)
• Supabase: secure database storage for account information and saved calculations for Pro members

We use the information we collect for the following purposes:

• Provide, operate, and maintain our calculator tools and website
• Send rate alert notifications you specifically requested
• Send our weekly mortgage rate newsletter if you have subscribed
• Process MortgageCalculatorIQ Pro membership payments through Stripe
• Analyze usage patterns to improve calculator accuracy, user experience, and content
• Display relevant advertisements through Google AdSense
• Comply with legal obligations and respond to lawful requests
• Prevent fraud, abuse, and unauthorized access to our services

We use Google AdSense to display advertisements on mortgagecalculatoriq.com. This section describes how advertising works on our site and your choices regarding personalized ads.

• We use Google AdSense, a third-party advertising service provided by Google LLC, to display advertisements on our website
• Google uses cookies to serve ads based on your prior visits to our site and other websites on the Internet
• Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to mortgagecalculatoriq.com and/or other sites on the Internet
• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website or other websites
• Users may opt out of personalized advertising by visiting Google's Ads Settings at adssettings.google.com
• We comply with the Google AdSense Program Policies and applicable advertising regulations
• Information about Google's privacy practices is available at policies.google.com/privacy

Advertising revenue helps us keep our calculator tools free for all users. Our editorial content and calculator results are not influenced by advertisers.

Types of Cookies We Use

• Essential cookies: required for the site to function, including session management and security features
• Analytics cookies: Google Analytics cookies that help us understand how visitors use the site
• Advertising cookies: Google AdSense cookies used to display relevant advertisements
• Preference cookies: remember your calculator settings and dismissed notifications

How to Control Cookies

• Adjust your browser settings to block or delete cookies — consult your browser's help documentation for instructions
• Opt out of Google Analytics at tools.google.com/dlpage/gaoptout
• Opt out of Google ad personalization at adssettings.google.com

Note: Disabling cookies may affect site functionality, including the ability to save calculator preferences or maintain your login session.

We do NOT sell your personal information. We share data only with the following categories of service providers and as otherwise described in this policy:

• Google (Analytics and AdSense) — for site analytics and ad serving
• Stripe — for secure payment processing of Pro subscriptions
• Supabase — for secure database storage of account information
• Resend — for transactional email delivery (rate alerts, newsletters, account notifications)
• Vercel — for website hosting and content delivery
• Law enforcement — when required by law, court order, or legal process

All third-party service providers are contractually obligated to protect your data and use it only for the purposes we specify.

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information:

• Right to know what personal information we collect, use, disclose, and sell
• Right to know whether personal information is sold or disclosed and to whom
• Right to opt out of the sale of personal information — we do not sell personal information
• Right to access your personal information
• Right to equal service and price even if you exercise your privacy rights
• Right to delete personal information we hold about you, subject to certain exceptions

To exercise your CCPA rights, contact us at privacy@mortgagecalculatoriq.com. We will respond to verifiable requests within 45 days as required by law.

If you are located in the European Union (EU) or European Economic Area (EEA), the General Data Protection Regulation (GDPR) provides you with the following rights:

• Access personal data we hold about you
• Correct inaccurate personal data
• Request deletion of your personal data ("right to be forgotten")
• Object to processing of your personal data
• Request restriction of processing
• Data portability — receive your data in a structured, machine-readable format
• Withdraw consent at any time where processing is based on consent

Legal basis for processing: We process personal data based on legitimate interests (operating and improving our website), contractual necessity (Pro membership services), and consent (newsletter subscriptions and non-essential cookies).

To exercise your GDPR rights, contact privacy@mortgagecalculatoriq.com. You also have the right to lodge a complaint with your local data protection authority.

• All data transmitted between your browser and our servers is encrypted via SSL/TLS (HTTPS)
• Payment data is processed by PCI-compliant Stripe — we never see or store your full card numbers
• Account and saved calculation data is secured by Supabase with row-level security policies
• We conduct regular security reviews and apply security updates to our infrastructure

Despite our security measures, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

• Account data: retained while your account is active; deleted within 30 days of account closure
• Calculator saves: deleted immediately when you delete them or when you close your account
• Email subscribers: retained until you unsubscribe, then deleted within 30 days
• Analytics data: retained per Google Analytics default retention settings
• Payment records: retained as required by law, typically 7 years for tax and accounting purposes

MortgageCalculatorIQ is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe we have inadvertently collected information from a child under 13, please contact us immediately at legal@mortgagecalculatoriq.com and we will promptly delete such information from our records.

Our site contains affiliate links to third-party websites including LendingTree, Bankrate, Zillow, Apartments.com, and others. We are not responsible for the privacy practices, content, or security of these external sites. We encourage you to review the privacy policies of any third-party website before providing personal information.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by posting the new policy on this page with an updated effective date. For significant changes, we will provide 30 days' notice via email to registered users and Pro subscribers.