Privacy Policy

Last updated: June 6, 2025

1. Introduction

Welcome to the Affordable Home Calculator. This Privacy Policy explains how we collect, use, and protect your information when you use our website.

2. Information We Collect

We collect the following types of information:

• Personal Information: Name and email address when you submit our contact form.
• Usage Data: Data such as home cost, land cost, construction cost, annual income, ZIP code, loan term preferences, down payment, credit score, and other debts, provided during calculator use.
• Technical Data: Source IP address and browser information (user agent) to enhance security, monitor usage, and improve our services.
• Cookies: We use cookies to track sessions and personalize ads. A unique session ID is stored to analyze usage patterns.
• Ad Tracking: If you consent, an ad tracking cookie is set to serve personalized ads.

3. How We Use Your Information

Your information is used to:

• Perform affordability calculations for homes and land purchases.
• Provide historical mortgage rate data.
• Process contact form submissions and respond to inquiries.
• Enhance security and monitor website usage through IP address and browser data.
• Improve our services through analytics.
• Serve personalized ads via third-party networks like Google AdSense.

4. Cookies

We use cookies for:

• Session Management: To maintain your session across visits.
• Ad Personalization: To deliver relevant ads based on your inputs (e.g., ZIP code, costs).
• Analytics: To understand user behavior and optimize the site.

You can accept or decline cookies via our consent banner. You can also manage cookies through your browser settings.

5. Third-Party Services

We use Google AdSense for advertising, API Ninjas for property tax data, and Nasdaq Data Link for mortgage rates. These services may collect data as described in their privacy policies.

6. Data Security

We use HTTPS, encryption, and secure storage to protect your data, including personal information, IP addresses, and browser data. However, no method is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

You have the following rights regarding your data:

• Access: Request a copy of the data we hold about you, including personal information and technical data.
• Deletion: Request deletion of your data, such as name, email, or usage data, by contacting us.
• Opt-Out: Opt out of ad tracking by declining cookies or adjusting browser settings.
• Objection: Object to the processing of your data for certain purposes, such as ad personalization.

To exercise these rights, contact us at privacy@homecalculator.example.com.

8. Legal Basis for Processing

We process your data based on:

• Consent: For cookies, ad tracking, and contact form submissions.
• Legitimate Interests: For collecting usage data, IP addresses, and browser information to provide and improve our services and ensure security.
• Contractual Necessity: To process data necessary for performing calculations or responding to inquiries.

9. Data Retention

We retain data only as long as necessary:

• Personal Information: Name and email are retained until you request deletion or for one year after your last interaction.
• Usage Data: Retained for up to two years for analytics purposes.
• Technical Data: IP addresses and browser data are retained for up to one year for security and monitoring.
• Cookies: Session cookies expire after 30 days; ad tracking cookies expire after one year.

10. Contact Us

For questions or to exercise your data rights, contact us.

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