Privacy Policy

Overview

San Diego Mortgage Calculator (mortgagecalculatorsandiego.com) provides educational mortgage tools, calculators, and loan guidance for consumers in San Diego County and across California. This Privacy Policy explains what information we collect when you use this site, how we use it, who we share it with, and the choices you have.

We are committed to handling your information responsibly and only collecting what is necessary to operate the site, deliver the tools you request, and connect you with licensed mortgage professionals when you ask us to. By using this site, you agree to the practices described in this policy.

Information We Collect

Information you provide directly

When you submit a quote request, contact form, or email, we collect the information you choose to provide. This typically includes your name, email address, phone number, the property address or ZIP code, the loan amount or purchase price you are considering, your estimated credit profile, and any notes or questions you include.

Information collected automatically

When you visit the site, our servers and analytics tools automatically log standard technical information, including your IP address, browser type and version, operating system, the pages you view, the date and time of your visit, the referring URL, and general location data derived from your IP (typically city or metro level).

Calculator inputs

Our mortgage calculators run entirely in your browser. The values you enter (purchase price, down payment, interest rate, loan term, property tax estimate, and so on) are not transmitted to our servers unless you choose to submit them as part of a quote request. Calculator inputs may be stored locally in your browser to remember your most recent calculation between visits.

Cookies and similar technologies

We use a small number of cookies and similar tracking technologies. Strictly necessary cookies keep the site functional. Analytics cookies help us understand which pages and tools are most useful so we can improve them. Preference cookies remember settings such as your most recent calculator inputs. We do not use third-party advertising cookies, retargeting pixels, or cross-site tracking. You can disable cookies in your browser settings, though some site features may not work as expected if you do.

How We Use Your Information

We use the information we collect to operate, maintain, and improve the site; to respond to your questions, requests, or contact form submissions; to deliver quote requests to the licensed lender or broker you select; to monitor site performance, security, and abuse; to comply with applicable laws and regulations; and to send transactional follow-up communications related to a request you initiated.

We do not use your information to build advertising profiles, and we do not use automated decision-making to evaluate your loan eligibility on this site.

How We Share Your Information

Licensed lenders and brokers

If you submit a quote request, the information you provide is shared with the licensed lender or mortgage broker associated with that request. They will use the information to contact you and prepare a quote. Their handling of your information is governed by their own privacy practices, which they will provide directly. We share information only with mortgage professionals operating under valid California licenses.

Service providers

We use a limited set of service providers to host the site, deliver email, process forms, and analyze aggregated traffic. These providers process information on our behalf under contractual obligations to keep it confidential and use it only to deliver their service.

Legal and safety

We may disclose information if required by law, subpoena, or court order; to enforce our Terms of Service; to investigate suspected fraud, abuse, or security incidents; or to protect the rights, property, or safety of our users, our company, or the public.

What we do not do

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We do not share your information with data brokers. We do not allow third parties to track your activity across other websites through this site.

Your Rights and Choices

Depending on where you live, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Ask us to correct information that is inaccurate or incomplete.
• Deletion: Ask us to delete personal information we have collected, subject to legal retention requirements.
• Opt out of sale or sharing: California residents have the right to opt out of the sale or sharing of personal information. We do not sell or share personal information for cross-context behavioral advertising.
• Limit sensitive data: Request that we limit the use of sensitive personal information to what is necessary to provide the services you requested.
• Non-discrimination: We will not discriminate against you for exercising any of these rights.

To exercise any of these rights, contact us using the details in the sidebar. We will respond within the timeframe required by applicable law.

California Residents (CCPA / CPRA)

This section provides additional disclosures required by the California Consumer Privacy Act and the California Privacy Rights Act. In the past twelve months, we have collected the categories of personal information described in Information We Collect: identifiers (name, email, phone, IP address), commercial information (loan amounts and property details you submit), internet activity (pages viewed, calculator usage), and inferences drawn from this information for the purpose of operating the site.

We have not sold personal information and have not shared personal information for cross-context behavioral advertising in the past twelve months.

To submit a verifiable consumer request, email us with the subject line "California Privacy Request". We may need to verify your identity before fulfilling your request. You may use an authorized agent; we will require written proof of authorization.

Data Retention

We retain personal information for as long as it is reasonably needed to provide the services you requested, comply with our legal obligations, resolve disputes, and enforce our agreements. Quote request information is generally retained for the period required by mortgage industry recordkeeping rules, which can extend several years. Aggregated or de-identified analytics data may be retained indefinitely.

Security

We use commercially reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, alteration, disclosure, or destruction. The site is served over HTTPS, form submissions are transmitted using TLS encryption, and access to systems containing personal information is restricted to authorized personnel. No method of transmission or storage is perfectly secure, however, and we cannot guarantee absolute security.

Children's Privacy

This site is intended for adults aged eighteen and older who are researching mortgage options. We do not knowingly collect personal information from children under thirteen. If you believe a child has provided us with personal information, contact us and we will promptly delete it.

Third-Party Links

The site may contain links to third-party websites, including lender sites, government resources, and reference materials. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policies of any third-party sites you visit.

Do Not Track

Some browsers transmit a "Do Not Track" signal. Because there is no industry standard for how to interpret these signals, we do not currently respond to them. We do not, however, engage in cross-site tracking regardless of the signal sent.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes to the site, our practices, or legal requirements. When we make material changes, we will update the "last updated" date at the top of this page and, where appropriate, provide additional notice on the site. We encourage you to review this page periodically.

Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact us using the details in the sidebar. We will respond as quickly as possible and within any timeframe required by applicable law.