Privacy Policy

Short version: we don’t want your data. No accounts, no database, and your calculator inputs are processed entirely in your browser — never sent to us. Share links encode inputs in the URL, so only people you send them to see them.

Always stored only on your device: theme, language, and cookie-banner choice. Clearing site data removes all three. Declining changes nothing about how the calculators work.

Only after you press Accept, two Google services load to keep this tool free: Google Analytics 4, which measures anonymous usage (pages viewed, approximate location, device type — IP addresses anonymized, no calculator inputs collected), and Google AdSense Auto Ads, which shows ads and may use advertising cookies for frequency capping and — where you consent to personalized ads — ad personalization. Press Decline and neither service ever loads: zero tracking scripts, zero ad requests.

You can withdraw consent anytime by clearing this site’s data in your browser (which re-shows the banner), opting out of personalized ads at Google Ad Settings, or blocking analytics with an ad-blocker or the Google Analytics opt-out add-on. Details of each cookie live in the Cookie Policy.

Contact: hello@homeequityloancalc.com. Effective November 2026.