Privacy Policy

1. Information We Collect

MortgageWizardTools.com collects minimal information to provide our free calculator services. We may collect:

• Usage data and analytics (pages visited, time on site, calculator interactions)
• Device information (browser type, operating system, screen size)
• IP address and approximate location (country/region level)
• Email address (only if you subscribe to our newsletter or contact us)
• Contact form submissions (name, email, subject, message)

We do not collect Social Security numbers, financial account numbers, mortgage application data, or any other sensitive financial information. Calculator inputs are processed entirely in your browser and are not transmitted to or stored on our servers.

2. How We Use Your Information

We use collected information to:

• Improve our calculators, tools, and educational content
• Analyze site usage patterns to understand what resources are most useful
• Respond to contact form submissions and support requests
• Send newsletter updates (only with your explicit consent)
• Comply with legal obligations and enforce our Terms of Service
• Prevent fraud and abuse of our services

3. Cookies and Tracking Technologies

We use cookies and similar technologies for the following purposes:

• Analytics (Google Analytics — Property ID: G-PZJSJSZ5C1): We use Google Analytics to understand how visitors use our site. You can opt out at Google Analytics Opt-out.
• Advertising (Google AdSense — Publisher ID: ca-pub-8247685745208689): We participate in Google AdSense, which uses cookies to display personalized advertisements. You may opt out at Google Ads Settings or via aboutads.info.
• Functionality: Session cookies to maintain site functionality and user preferences.

You can control cookie preferences through your browser settings.

4. Third-Party Services

• Google Analytics — website analytics (Privacy Policy)
• Google AdSense — advertising (Privacy Policy)
• Wizard Tools Network — affiliated websites. See our Affiliate Disclosure.

5. Data Retention

Contact form submissions are retained for up to 24 months then deleted. We do not sell, rent, or trade your personal information to third parties.

6. Data Security

We implement reasonable technical and organizational security measures to protect your information. No method of transmission over the internet is 100% secure.

7. Your Rights (CCPA / GDPR)

• California residents (CCPA): Right to know, right to delete, right to opt out of sale of personal information (we do not sell personal data), and right to non-discrimination.
• EEA/UK residents (GDPR): Right to access, rectification, erasure, restriction of processing, data portability, and right to object.

To exercise any of these rights, please contact us. We will respond within 30 days.

8. Children's Privacy

This website is not directed at children under 13. We do not knowingly collect personal information from children under 13.

9. Changes to This Policy

We may update this Privacy Policy periodically. Continued use of the site after changes constitutes acceptance of the updated policy.

10. Contact Us

Questions? Contact us or email contact@mortgagewizardtools.com.