Privacy Policy

SmartMortgageCalc ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

Please read this policy carefully. By using SmartMortgageCalc, you agree to the practices described herein. If you do not agree, please discontinue use of the site immediately.

1. Information We Collect

Information You Provide Voluntarily

We do not require you to create an account or provide personal information to use our calculators. However, if you choose to contact us, subscribe to rate alerts, or submit a lead form to compare lenders, we may collect your name, email address, phone number, ZIP code or state of residence, and loan preferences or credit score range.

Information Collected Automatically

When you visit our site, we and our third-party partners may automatically collect information such as your IP address, browser type and version, device type and operating system, pages visited, referring website, and date/time of access. We collect this data via cookies, web beacons, and similar tracking technologies to analyze traffic and improve user experience.

Calculator Inputs

Mortgage and personal loan calculations are performed client-side in your browser. We do not store your home price, down payment, interest rate, or other calculator inputs on our servers unless you explicitly submit that information through a lead-matching or contact form.

2. How We Use Your Information

We use the information we collect to provide, maintain, and improve our calculators and content; analyze site usage and trends; display relevant lender offers and affiliate advertisements; respond to inquiries and send rate alerts (if opted in); facilitate lead submissions to our lending partners; detect and prevent fraud, abuse, or security issues; and comply with legal obligations.

3. Cookies and Tracking Technologies

We use cookies and similar technologies for essential functionality (enabling core calculator features and navigation), analytics (understanding how visitors interact with our tools, e.g. Google Analytics), and advertising/affiliate tracking (measuring lender offer performance and lead attribution). You can manage cookie preferences through your browser settings; disabling certain cookies may affect site functionality.

4. Third-Party Services and Data Sharing

We do not sell your personal information. We share data with trusted third parties in the following circumstances:

Lending and lead partners: If you submit a form to "check your rate" or "compare lenders," your information is shared with our lending partners so they can contact you with loan offers. These partners must handle your data in accordance with their own privacy policies and applicable law.

Service providers: We use third-party vendors for web hosting and analytics, email delivery and marketing automation, and advertising/affiliate network tracking. These providers are contractually obligated to use your data only for the services they perform on our behalf.

Legal requirements: We may disclose information if required by law, court order, or government request, or to protect our rights, property, or safety, or that of our users.

5. Affiliate Disclosure and Lead Generation

SmartMortgageCalc participates in affiliate and lead-generation programs. When you click on a lender link, apply for a loan, or submit a lead form through our site, we may receive compensation. We are not a lender, mortgage broker, or financial advisor. We do not make credit decisions or control the terms offered by third-party lenders. Any information you provide to a lender is subject to that lender's privacy policy.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. No internet transmission or electronic storage method is 100% secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your location, you may have the right to access, correct, or request deletion of the personal data we hold about you, subject to legal retention requirements, and to opt out of marketing emails at any time via the "unsubscribe" link.

California residents (CCPA): You have the right to know what personal information is collected, used, shared, or sold; request deletion of personal information; opt out of the sale of personal information (we do not sell personal information, but we share it with lending partners for lead generation); and non-discrimination for exercising privacy rights. To exercise CCPA rights, email us at [email protected] with subject line "CCPA Request."

European residents (GDPR): If you are in the EEA, you have the right to access, rectify, or erase your personal data, restrict or object to processing, request data portability, and withdraw consent at any time. To exercise GDPR rights, email us at [email protected] with subject line "GDPR Request."

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it.

9. Third-Party Links

Our site contains links to third-party websites, including lender application pages. We are not responsible for the privacy practices, content, or security of those sites. We encourage you to review the privacy policy of any site you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The "Last Updated" date above indicates the most recent revision. Continued use of the site after changes constitutes acceptance of the updated policy.

11. Contact Us

Questions, concerns, or requests regarding this Privacy Policy? Contact us at:

Email: [email protected]
Business Name: Smartmortgagecalc

We will respond to inquiries within 30 days.