Privacy Policy
Your privacy is important to us. This policy explains how we handle your information.
Last Updated: December 8, 2025
Mortgage Advisor AI is committed to protecting your privacy. As an educational platform, we do not collect, store, or share personal financial information. All calculations are performed client-side in your browser, and no data is transmitted to our servers.
This Privacy Policy explains what limited information we may collect through general website usage, how we use it, and your rights regarding your information.
1. Information You Do NOT Need to Provide
Our platform does not require you to create an account or provide any personal information to access our educational content or use our calculators. You can use our entire platform anonymously.
2. Automatically Collected Information
Like most websites, we may automatically collect:
- •Technical Information: Browser type, operating system, device type, and screen resolution
- •Usage Data: Pages visited, time spent on pages, and navigation patterns
- •Referral Information: The website that referred you to our platform
- •IP Address: General location information (country/region level only)
3. Calculator Data
Important: Your Financial Data is Private
All calculator inputs (loan amounts, interest rates, income, etc.) are processed entirely in your web browser. This data is never transmitted to our servers, never stored in our databases, and never shared with third parties. Your calculations remain completely private.
4. Contact Information
If you contact us via email, we will collect the information you provide (email address, name if provided, and message content) solely for the purpose of responding to your inquiry.
5. Third-Party Data Sources
- •Federal Reserve Economic Data (FRED): Current mortgage rate information displayed on our platform is sourced from the Federal Reserve Bank of St. Louis' FRED API. This data is publicly available and does not involve any personal information collection. Learn more at fred.stlouisfed.org.
The limited information we collect is used solely to improve our educational platform:
- ✓Improve User Experience: Understanding which content and tools are most useful
- ✓Technical Optimization: Ensuring our platform works well across different devices and browsers
- ✓Content Development: Identifying which topics need more educational resources
- ✓Security: Detecting and preventing abuse or security threats
- ✓Communication: Responding to your inquiries if you contact us
We may use cookies and similar technologies to enhance your experience:
Essential Cookies
Required for basic website functionality, such as maintaining your preferences during a session.
Analytics Cookies
Help us understand how visitors use our site through services like Google Analytics. This includes information about page views, time on site, and navigation patterns.
Advertising Cookies (Google AdSense)
We use Google AdSense to display advertisements that help support our free educational content. AdSense may use cookies to show you relevant ads based on your browsing activity across the web.
Managing Your Cookie Preferences
You can control cookies through your browser settings. Please note that disabling certain cookies may limit your ability to use some features of our website. For more information about Google AdSense cookies, please visit Google's Privacy Policy.
We may use the following third-party services, each with their own privacy policies:
Google AdSense
Displays advertisements on our site. AdSense may collect information to provide relevant ads. View Google's Privacy Policy.
Google Analytics
Helps us understand how visitors use our website. Analytics data is anonymized and aggregated. View Google Analytics Privacy Policy.
We do not share any personally identifiable information with these services. They may collect anonymous usage data as described in their respective privacy policies.
We take reasonable measures to protect the limited information we collect:
- •HTTPS encryption for all website communications
- •Client-side processing of all calculator data (no server transmission)
- •Regular security assessments and updates
- •Limited data retention policies
However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
You have the following rights regarding your information:
- •Access: Request information about what data we may have collected
- •Correction: Request correction of any inaccurate information
- •Deletion: Request deletion of your information (where applicable)
- •Opt-Out: Disable cookies or opt out of analytics tracking
To exercise these rights, please contact us at privacy@mortgageadvisorai.com.
Our platform is intended for adults making mortgage decisions. We do not knowingly collect information from children under 13 years of age. If you believe we have inadvertently collected such information, please contact us immediately so we can delete it.
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify users of any material changes by:
- •Updating the "Last Updated" date at the top of this page
- •Posting a notice on our homepage for 30 days after changes
Your continued use of the platform after changes are posted constitutes acceptance of the updated Privacy Policy.
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
We will respond to privacy inquiries within 30 days.