Privacy Policy

This Privacy Policy explains how mortgageextrapayment.com ("we", "us", "the Site") handles information when you use our calculators and website.

1. Information you enter into calculators

The loan amounts, interest rates, and payment figures you enter into our calculators are processed entirely within your own browser using client-side JavaScript. That data is not transmitted to, stored on, or logged by our servers. If you close or refresh the page, the information is gone.

2. Cookies and similar technologies

We and our third-party partners (including advertising and analytics providers) may use cookies, web beacons, and similar technologies to operate the Site, remember preferences, understand how visitors use the Site, and serve relevant advertising.

3. Google AdSense & advertising

This Site may display advertisements served by Google AdSense and other third-party advertising networks. These providers may use cookies (including the DoubleClick cookie) and similar technologies to serve ads based on your prior visits to this and other websites.

• You may opt out of personalized advertising by visiting Google Ads Settings.
• You may also visit www.aboutads.info/choices to opt out of third-party vendor cookies used for personalized advertising.
• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites.

4. Analytics

We may use analytics services (such as Google Analytics) to understand aggregate visitor behavior, such as which pages are visited and how long visitors stay. This data is generally anonymized or pseudonymized and used only in aggregate form to improve the Site.

5. Data we do not collect

We do not require account registration, and we do not knowingly collect names, mailing addresses, government ID numbers, or full financial account details through our calculators. If you email us, we retain that correspondence only as needed to respond to you.

6. Children's privacy

This Site is not directed at children under 13 (or the relevant minimum age in your jurisdiction), and we do not knowingly collect personal information from children.

7. International visitors

This Site is intended for visitors in the United States, United Kingdom, Canada, and Australia, and may be accessed from other countries. By using the Site, you consent to the processing of information as described in this policy, which may involve transfer of data to servers located outside your country of residence.

8. Your rights

Depending on your location (for example, under the UK/EU GDPR, Canada's PIPEDA, or Australia's Privacy Act), you may have rights to access, correct, or request deletion of personal data we hold about you. Since we collect minimal personal data directly, most requests will relate to advertising cookie preferences — see Section 3 above.

9. Changes to this policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.

10. Contact us

Questions about this Privacy Policy can be sent to hello@mortgageextrapayment.com or via our Contact page.