Privacy Policy

This Privacy Policy explains how we handle information when you use our website and the embedded HELOC Payment Calculator. We designed the calculator for homeowners in the United States. It provides estimates and educational guidance only. We are not a lender and do not offer credit decisions or loan terms.

1) Who we are and scope

This policy covers:

  • Our public website pages
  • The embedded calculator hosted by us
  • Any contact forms or support emails we publish

It does not cover third-party websites we link to, including banks, lenders, or financial resources. Their policies control once you leave our site.

2) What we collect

We built the tool to work without logins or accounts. We aim to keep personal data to a minimum.

2.1 Calculator inputs

  • What you type into the calculator (e.g., line amount, balance, interest rate, terms) is used only to compute results.
  • By default, calculations run in your browser. We do not store these inputs on our servers.
  • If you export a PDF, it is generated on your device. You may download or share it at your discretion.

If we ever enable “save scenarios” or “email results,” we will ask for consent and explain what gets stored.

2.2 Website usage data

We may collect limited, privacy-friendly analytics to understand page performance, errors, and aggregate usage. Typical data can include:

  • Page URLs, timestamps, referral pages
  • Browser type, device type, approximate location (city/region)
  • Event data such as button clicks (e.g., calculate, reset, export)

We configure analytics to avoid collecting information that directly identifies you. IP addresses may be shortened or discarded depending on the provider.

2.3 Contact data

If you email us or submit a form, we collect:

  • Your name and email address
  • The content of your message
  • Any files you attach

We use this data to respond and keep records required for operations or compliance.

3) What we do not collect or track

  • No account registration
  • No credit reports or Social Security numbers
  • No bank account or card numbers
  • No marketing profiles from calculator inputs
  • No sales of personal data

4) How we use information

We use information to:

  • Run the calculator and show results
  • Improve website reliability and speed
  • Provide customer support
  • Detect and prevent abuse and fraud
  • Meet legal, safety, and compliance needs

We do not build consumer profiles based on calculator values, credit score estimates, debts, or similar financial attributes.

5) Cookies and similar technologies

Our site may use:

  • Essential cookies for core functions such as security or load balancing
  • Performance/analytics cookies to measure page errors and speed

You can control cookies through your browser settings. Blocking essential cookies may affect site behavior.

6) Third-party services and links

We may link to:

  • Lenders and financial institutions
  • Government or consumer education sites
  • News or reference pages

These sites are not under our control. Review their privacy policies before sharing information. If we use third-party analytics or hosting providers, they contractually process data on our behalf and must follow strict confidentiality and security obligations.

7) Your privacy choices

  • Do not email: You can choose not to contact us through forms or email.
  • Cookie control: Use your browser to limit cookies.
  • Analytics opt-out: If we provide an in-page toggle, it will disable analytics events for your session.
  • Email preferences: If we ever send newsletters, you can unsubscribe at any time.

To make a privacy request, email info@calculateheloc.com

8) Data retention

  • Calculator inputs are processed in real time and not stored server-side by default.
  • Support emails and form submissions may be retained as business records for up to 24 months, unless law requires longer or you ask us to delete them sooner where permitted.

9) Security

We use reasonable administrative, technical, and physical safeguards to protect information in transit and at rest. This includes TLS encryption for data sent to our site, access controls for internal tools, and least-privilege practices. No method of transmission or storage is perfectly secure. Please use the site on trusted devices and networks.

10) Children’s privacy

Our site is for adults and general audiences. We do not knowingly collect personal information from children under 13. If you believe a child provided personal information, contact us and we will delete it.

11) Financial content and E-E-A-T commitment

  • The calculator offers estimates based on your inputs. Results are not credit offers, approvals, or financial advice.
  • For information about variable interest rate behavior, APR, loan-to-value, repayment, and amortization, consult official resources:
    • Consumer Financial Protection Bureau (CFPB) — HELOC resources
    • Federal Reserve — consumer credit education
    • FDIC — consumer guidance
  • Always review actual terms with your lender before making decisions.

12) Your rights by region

We handle requests consistent with applicable U.S. laws. Because we minimize collection, we often have little or no personal data to disclose.

12.1 California (CCPA/CPRA)

California residents may have the right to:

  • Know categories of personal information collected and the purpose
  • Request access, correction, or deletion
  • Opt out of sale or sharing of personal information

We do not sell or share personal information for cross-context behavioral advertising. To submit a request, email info@calculateheloc.com with “California Request” in the subject.

12.2 Colorado, Connecticut, Utah, Virginia

Residents may have rights to access, delete, or correct personal data, and to opt out of targeted advertising or profiling. Contact us to exercise these rights.

12.3 Nevada

We do not sell personal information as defined by Nevada law. Nevada residents can still email us with “Nevada Opt-Out” in the subject.

12.4 EEA/UK visitors

Our service is primarily U.S.-focused. If you access it from the EEA or UK, you may have rights under GDPR/UK GDPR. Contact us and we will assess your request and our applicable legal basis.

13) International data transfers

Our infrastructure and providers may operate in the United States and other countries. Where transfers occur, we rely on contractual protections and appropriate safeguards required by law.

14) Changes to this policy

We may update this policy to reflect site changes or legal requirements. We will post the new “Last updated” date at the top of this page. Substantive changes will be highlighted for a reasonable period.

15) Contact us

CALCULATE HELOC
Email: info@calculateheloc.com
Hours: Mon–Fri, 9 a.m. to 5 p.m. local time

We’ll respond as soon as we can. If your request involves identity verification, we may ask for limited details to confirm we’re speaking with the right person.

16) Quick summary

  • No login. No accounts.
  • Calculator inputs processed in your browser.
  • No sales of personal information.
  • Minimal analytics for site performance.
  • Rights honored as the law requires.
  • Use the results for planning, then confirm numbers with your lender.