Privacy Policy
How we collect, use, share, and protect information on mortgageratecalculator.org.
This Privacy Policy explains how Family Brands LLC (“we,” “us,” or “our”) collects, uses, discloses, and protects information in connection with mortgageratecalculator.org (the “Site”).
Last updated: January 2026
California Notice at Collection
If you are a California resident, California law may require us to provide this notice at collection. We collect the categories of information described below for the purposes explained in this policy. We retain information for as long as reasonably necessary to operate the Site, comply with legal obligations, resolve disputes, enforce agreements, and maintain security.
We do not knowingly collect sensitive personal information for the purpose of inferring characteristics (as that term is used under California law).
| Category | Examples | How we use it | Typical retention |
|---|---|---|---|
| Identifiers | IP address, cookie identifiers; (if you contact us) name/email | Operate the Site, security, respond to inquiries, analytics/ads (if enabled) | Server logs often ~30–90 days; messages retained as needed for support/legal |
| Internet/Network activity | Pages viewed, device/browser info, referrer, approximate location (from IP) | Analytics, performance measurement, fraud prevention, improve content | Often up to 14–26 months in analytics tools (or shorter based on settings) |
| Commercial/usage information | Which calculators/features are used (non-sensitive) | Improve features, measure usefulness, troubleshoot issues | As long as needed for analysis; aggregated where possible |
| Inferences (non-sensitive) | General preferences derived from usage patterns | Improve site structure and content at an aggregate level | Aggregate/anonymous where possible |
Calculator inputs: The numbers you enter into calculators are intended to be processed in your browser to generate results. We do not intentionally store those inputs unless you explicitly submit them through a form or feature designed to save information.
Information we collect
We collect information in three main ways: (1) information you provide; (2) information collected automatically; and (3) information from service providers that support our operations.
1) Information you provide
- Messages you send through our contact page (such as your name, email address, and message content).
- Information you choose to include when contacting us for support or feedback.
2) Information collected automatically
- IP address and device identifiers.
- Browser type, operating system, and language.
- Pages you view, links you click, and time spent on pages.
- Referring/exit pages and approximate location derived from IP address.
3) Information from service providers
Vendors that help us operate the Site (such as hosting, analytics, performance monitoring, and advertising services) may provide reports or logs related to site performance and usage.
How we use information
We use information for legitimate business purposes related to operating and improving the Site.
- Provide, operate, maintain, and improve the Site and its features.
- Measure traffic, performance, and content usefulness (analytics).
- Serve and measure advertising (where enabled), including limiting fraud and enforcing policies.
- Detect, prevent, and investigate security incidents and abuse.
- Respond to messages, questions, and support requests.
- Comply with applicable laws and enforce our terms and policies.
Cookies and similar technologies
We use cookies and similar technologies to operate the Site, understand how it’s used, and (if enabled) display and measure ads.
Essential cookies
These are necessary for basic site functionality, security, and fraud prevention.
Analytics cookies
We may use analytics tools (including Google Analytics) to understand usage patterns and improve pages. Analytics may collect information such as pages visited, time on site, device/browser details, and approximate location derived from IP.
Advertising cookies
If we display ads (including via Google AdSense), third parties may use cookies or similar technologies to deliver ads, limit repeated ads, measure performance, and help detect invalid traffic. Depending on your region and settings, ads may be personalized or non-personalized.
How we share information
We share information only as necessary to operate the Site, comply with law, and protect our users and services.
Service providers. We may share information with vendors that process data on our behalf, such as hosting providers, analytics services, performance monitoring tools, and advertising partners. These vendors are permitted to use information only to provide services to us, consistent with contracts and applicable law.
Legal and safety. We may disclose information if required by law, in response to valid legal process, to enforce our policies, or to protect the rights, safety, and security of users and our services.
Business transfers. If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction.
Typical third parties used to operate the Site (examples)
- Hosting and infrastructure providers
- Analytics providers (for example, Google Analytics)
- Advertising partners (for example, Google AdSense)
- Error/performance monitoring tools
Vendors may change over time. We recommend reviewing your browser and Google account settings for controls related to cookies, ads, and analytics.
Your privacy rights
Depending on where you live, you may have rights to request access, correction, deletion, or portability of personal information, and to opt out of certain processing such as targeted advertising.
- Request access, correction, or deletion: Use our contact page.
- Opt out of targeted advertising (where applicable): Adjust cookie controls in your browser and review Google ad settings. Some regions also support Global Privacy Control (GPC) signals.
- Verification: We may need to verify your identity before processing certain requests.
- Non-discrimination: We will not discriminate against you for exercising your rights.
International visitors and data transfers
We are based in the United States. If you access the Site from outside the U.S., your information may be processed in the U.S. or other locations where our vendors operate. Where required, we rely on appropriate safeguards for international transfers (such as contractual protections).
If you are located in the EEA/UK, we generally rely on consent (where required) for non-essential cookies and advertising, and we process necessary operational data to provide and secure the Site.
Security and retention
We use reasonable administrative, technical, and organizational measures designed to protect information. However, no website can guarantee absolute security.
Retention
We retain information only as long as needed for the purposes described in this policy. For example, server logs are typically kept for a limited period to maintain security, and analytics data may be retained for up to 14–26 months depending on provider settings. We may retain aggregated or de-identified information for longer periods.
Children’s privacy
The Site is intended for a general audience and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, contact us and we will take appropriate steps to delete it.
Do Not Track
Some browsers offer a “Do Not Track” (DNT) signal. Because there is no consistent industry standard for responding to DNT, we do not respond to these signals.
Contact us
If you have questions or want to submit a privacy request, please use our contact page.
Family Brands LLC
14090 FM 2920 Rd. Ste G174, Tomball, TX 77377
Changes to this policy
We may update this Privacy Policy from time to time. We will post the updated version on this page and revise the “Last updated” date above. If changes materially affect your rights, we will provide additional notice where required by law.
This policy is provided for general informational purposes and does not constitute legal advice. For advice about your specific situation, consult a qualified attorney.