Privacy Policy
This Privacy Policy explains how Family Brands LLC (“we,” “us,” “our”) collects, uses, discloses, and protects personal information in connection with mortgage-loan-calculator.org (the “Site”).
Last updated: October 2025
California “Notice at Collection”
We collect the categories of personal information listed below for the purposes described. We retain information for the periods needed to provide the Site, comply with law, resolve disputes, and secure our services. We do not collect “sensitive personal information” to infer characteristics.
| Category (CPRA) | Examples | Purpose of Use | Retention (typical) | Sold/Shared? |
|---|---|---|---|---|
| Identifiers | IP address, cookie ID; (if you contact us) name, email | Operate Site, security/fraud prevention, respond to inquiries, analytics | Server logs ~90 days; messages until resolved + compliance period | Not sold for money. Not shared for cross-context ads unless we start ads—see Opt-Out. |
| Internet / Network Activity | Page views, device & browser info, referrer, approximate location | Analytics, improve features, debug, security | ~14–26 months in analytics (per vendor defaults) or shorter | Same as above |
| Commercial/Usage Info | Clicks on calculators, features used (non-sensitive) | Product analytics, feature measurement | As above | Same as above |
| Inferences | Non-sensitive preferences (e.g., which tools are popular) | Improve and personalize content at an aggregate level | Aggregate/anonymous where possible | No |
Financial inputs in calculators. By default, calculator inputs are processed in your browser and are not stored by us.
Information We Collect
- Information you provide (e.g., messages sent via contact forms or email).
- Information collected automatically through cookies and similar technologies, such as IP address, device/browser type, pages viewed, and approximate location derived from IP.
- Information from service providers (e.g., hosting, analytics, error monitoring) as needed to operate and secure the Site.
Sources
Directly from you; automatically from your device when you use the Site; and from vendors that support the Site.
How We Use Information
- Provide, operate, and improve the Site and calculators
- Analyze usage and performance; debug and fix errors
- Prevent, detect, and investigate security incidents and fraud
- Comply with law, legal process, and enforce policies
- Communicate with you when you contact us
- Marketing or personalization (only if enabled by you and applicable law)
Cookies and Similar Technologies
We use essential cookies to make the Site work and optional analytics cookies to understand usage. In the EEA/UK and where required elsewhere, we obtain consent before setting non-essential cookies. You can change your preferences at any time on managing or disabling your cookies.
How We Share Information
We share personal information with service providers that process data on our behalf under contract, such as hosting, analytics, performance monitoring, and email delivery. We require them to use the data only for our instructions and to protect it appropriately.
We do not sell personal information for money. If we use advertising technologies that may constitute “sharing” under California law (cross-context behavioral advertising), you can opt out by not using this Site or contacing us.
We may disclose information if required by law, to protect rights and safety, or in a corporate transaction (e.g., merger).
Typical Service Providers (examples)
- Hosting & infrastructure (e.g., a cloud platform) – site hosting and delivery
- Analytics (e.g., privacy-respecting analytics or GA4) – aggregated usage metrics
- Error/performance monitoring – stability and debugging
- Email provider – to receive and reply to your messages
Your Privacy Rights
Depending on where you live, you may have rights to request: (1) access; (2) correction; (3) deletion; (4) portability; (5) restriction or objection (EU/UK); and (6) to opt out of certain processing such as targeted advertising or “sharing” (CA/CO/CT/UT/VA). We will not discriminate against you for exercising rights.
- Submit a request: /contact
- Verification: We will verify your identity and respond within the time required by law.
- Authorized agents (CA): You may designate an agent; we may require proof of authorization.
- Appeals (VA/CO/CT): If we deny your request, you may appeal by replying to our decision email. If still unresolved, you can contact your state AG.
International Data Transfers
We are U.S.-based. If personal information is transferred outside your country, we rely on appropriate safeguards, such as Standard Contractual Clauses (SCCs) where required, and implement technical and organizational measures to protect data.
Data Security
We employ administrative, technical, and physical safeguards appropriate to the nature of the information we process. No system is 100% secure; please use the Site responsibly.
Retention
We keep personal information only as long as necessary for the purposes described or as required by law. For example, server logs are typically retained for security for ~90 days; analytics may persist up to 14–26 months per vendor defaults. We may anonymize or aggregate data for longer-term trends.
Children’s Privacy
The Site is intended for general audiences and not for children under 13. We do not knowingly collect personal information from children under 13 (or under 16 in the EEA/UK). If you believe a child provided information, contact us and we will delete it.
Do Not Track; Automated Decision-Making
The Site does not respond to browser “Do Not Track” signals. We do not engage in automated decision-making that produces legal or similarly significant effects without human involvement.
Contact Us
For questions or privacy requests, Contact Us.
Family Brands LLC — Postal address: 14090 FM 2920 Rd. Ste G174 Tomball, TX 77377.
Changes to This Policy
We may update this Privacy Policy from time to time. We will post the updated version with a new “Last updated” date. If changes materially affect your rights, we will provide additional notice where required.
This document is provided for general informational purposes and does not constitute legal advice. Please consult your legal counsel.