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Privacy Policy

Last Updated: January 6, 2025

Welcome to HELOC Calculator ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website heloccalculator.click.

1. Information We Collect

1.1 Information You Provide

Our HELOC calculator operates entirely in your web browser. We do not collect, store, or transmit any of the financial information you enter into our calculators, including:

All calculations are performed locally in your browser, and the data never leaves your device.

1.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing actions, including:

1.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These may include:

2. How We Use Your Information

We use the information we collect for the following purposes:

3. Third-Party Services

3.1 Google Analytics

We use Google Analytics to analyze website traffic and user behavior. Google Analytics uses cookies to collect anonymous information about how visitors use our site. This information is used to compile reports and help us improve our website. For more information on Google Analytics' privacy practices, visit Google's Privacy Policy.

3.2 Google AdSense

We use Google AdSense to display advertisements on our website. Google AdSense uses cookies to serve ads based on your prior visits to our website and other websites. You can opt out of personalized advertising by visiting Google's Ads Settings.

3.3 Cloudflare

Our website is hosted on Cloudflare's infrastructure, which provides security and performance services. Cloudflare may collect certain technical information for these purposes. For more information, visit Cloudflare's Privacy Policy.

4. Data Security

We implement appropriate technical and organizational security measures to protect your information. However, please note that:

Since our calculator performs all calculations locally in your browser, your financial data never leaves your device and is not transmitted to our servers.

5. Your Privacy Rights

5.1 Cookie Preferences

You can control and manage cookies through your browser settings. Most browsers allow you to:

5.2 Do Not Track

Some web browsers have a "Do Not Track" feature that signals to websites you visit that you do not want to have your online activity tracked. We currently do not respond to Do Not Track signals.

5.3 Your Rights (GDPR, CCPA)

If you are a resident of the European Union or California, you may have additional rights regarding your personal information, including:

6. Children's Privacy

Our website is not intended for children under the age of 13 (or 16 in the European Union). We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can delete it.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our website, you consent to the transfer of your information to these countries.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any third-party sites you visit.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

11. Consent

By using our website, you consent to this Privacy Policy and agree to its terms. If you do not agree with this Privacy Policy, please do not use our website.

12. Data Retention

Since we do not collect or store your financial calculation data, there is no data retention period for such information. Analytics data collected through third-party services is retained according to their respective retention policies.

13. California Privacy Rights

California residents have specific rights under the California Consumer Privacy Act (CCPA), including:

To exercise these rights, please contact us using the information provided in the Contact Us section.

Disclaimer: This Privacy Policy is provided for informational purposes. We recommend consulting with a legal professional to ensure compliance with all applicable privacy laws and regulations.