Privacy Policy

Effective date: 6 May 2025

Mortgage Paydown Planner ("we", "us", "our") operates the website mortgagepaydownplanner.com. This policy explains what information we collect, why we collect it, and how you can control it.

Information we collect

We do not collect any personally identifiable information directly. When you accept cookies, we use Google Analytics 4 to collect anonymous usage data including:

Pages visited and time spent on each page
General geographic location (country/city level)
Device type, browser, and operating system
Referring website

All calculator inputs you enter are processed entirely in your browser. They are stored temporarily in sessionStorage to pass results between pages and are never sent to any server.

Cookies

Google Analytics sets cookies on your device to distinguish unique visitors and track sessions. These cookies are only set after you click "Accept" on our cookie banner.

We store your cookie preference (accepted or declined) in localStorage so we do not show the banner on every visit.

How we use this information

Analytics data is used solely to understand how visitors use the calculator so we can improve it. We do not sell, share, or use this data for advertising.

Google's privacy practices

Google Analytics data is processed by Google LLC. For details on how Google handles this data, see Google's Privacy Policy. You can also opt out of Google Analytics across all websites using the Google Analytics Opt-out Browser Add-on.

Your choices

You can decline cookies at any time by clicking "Decline" on the cookie banner. To reset your preference and see the banner again, clear your browser's local storage for this site. If cookies are declined, Google Analytics will not load and no tracking cookies will be set.

Third-party services

Other than Google Analytics (when accepted), we do not use any third-party services that collect personal data.

Jurisdiction

This site is operated from Australia and this policy is governed by the Australian Privacy Act 1988 (Cth).

Contact

For any privacy questions, contact us at mortgagepaydownplanner@gmail.com.