Privacy Policy

Last updated: March 28, 2026

Mortgage Freedom Calculator ("we," "us," or "our") operates mortgagefreedomcalculator.com. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.

Information We Collect

We collect only what is necessary to provide our service:

• Calculator inputs: Values you enter into our mortgage calculators (loan amount, interest rate, etc.) are processed entirely in your browser and are never transmitted to or stored on our servers.
• Email address: If you subscribe to our newsletter, we collect your email address through our email service provider, Kit (ConvertKit). This is voluntary.
• Usage data: We may collect anonymized data about how visitors interact with the site (pages visited, time on page) through Cloudflare's built-in analytics. This data contains no personally identifiable information.

How We Use Your Information

• To send you the weekly mortgage rate digest and educational content you subscribed to
• To improve the site's content and tools based on aggregated usage patterns
• We do not sell, rent, or share your personal information with third parties for marketing purposes

Email Subscriptions

If you subscribe to our newsletter, your email is stored with Kit (ConvertKit), our email service provider. You can unsubscribe at any time using the unsubscribe link in any email we send. Kit's privacy policy is available at convertkit.com/privacy.

Cookies

This site does not use tracking cookies or advertising cookies. Cloudflare, our hosting provider, may set a cookie for security purposes (bot detection). No third-party advertising or analytics cookies are placed on your device.

Third-Party Services

• Cloudflare: Hosts and serves this website. May collect IP addresses and request data for security and performance purposes. See Cloudflare's Privacy Policy.
• Federal Reserve (FRED API): We use the St. Louis Fed's public FRED API to retrieve current mortgage rate data. No personal data is shared with FRED.
• Kit (ConvertKit): Used for email newsletter delivery. Only email address is shared.

Data Retention

Email addresses are retained until you unsubscribe. Anonymized analytics data is retained per Cloudflare's standard retention policy. We do not retain any calculator input data as none is transmitted to our servers.

Your Rights

You have the right to:

• Access the personal data we hold about you (your email address if subscribed)
• Request deletion of your data at any time
• Unsubscribe from marketing emails at any time

To exercise any of these rights, contact us at [email protected].

Children's Privacy

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

Changes to This Policy

We may update this policy from time to time. The "Last updated" date at the top of this page will reflect any changes. Continued use of the site after changes constitutes acceptance of the updated policy.

Contact

Questions about this Privacy Policy? Email us at [email protected] or visit our contact page.