Information We Collect

We collect information you provide directly to us, such as when you sign up for our newsletter or contact us. This may include your email address and any other information you choose to provide.

We automatically collect certain information when you visit our website, including your IP address, browser type, operating system, referring URLs, and information about how you interact with our site.

How We Use Your Information

• To provide and maintain our service
• To send you newsletters and updates (if subscribed)
• To respond to your comments and questions
• To analyze usage and improve our website
• To display personalized advertisements

Advertising

We use Google AdSense to display advertisements on our website. Google may use cookies to serve ads based on your prior visits to our website or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

Cookies & Local Storage

We use cookies, localStorage, and similar technologies to track activity on our website and store certain preferences. These technologies fall into three categories:

• Essential: Required for site functionality, such as storing your cookie consent preferences and display settings.
• Analytics: Used by Google Analytics to understand how visitors interact with our website, helping us improve the user experience.
• Advertising: Used by Google AdSense to serve relevant advertisements based on your browsing activity.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Third-Party Services

We may employ third-party companies and individuals to facilitate our service, provide the service on our behalf, or assist us in analyzing how our service is used. These third parties have access to your information only to perform these tasks on our behalf.

• Google Analytics - for website analytics
• Google AdSense - for advertising
• Federal Reserve Economic Data (FRED) - for mortgage rate and economic data
• Consumer Financial Protection Bureau (CFPB) - for mortgage rate data
• Redfin - for housing market data
• Federal Housing Finance Agency (FHFA) - for house price index data

Rate and market data sources listed above provide publicly available data and do not receive any personal information about our users.

Your Rights (GDPR/CCPA)

If you are a resident of the European Economic Area (EEA) or California, you have certain data protection rights:

• The right to access your personal data
• The right to rectification of inaccurate data
• The right to erasure of your data
• The right to restrict processing
• The right to data portability
• The right to object to processing

Legal basis for processing: We process personal data based on your consent (for advertising cookies), our legitimate interests (for analytics and site improvement), and contractual necessity (for newsletter delivery, if subscribed).

Children's Privacy

Our service is not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information promptly.

Data Sharing

We do not sell, rent, or share your personal information (including your email address) with third parties for their own marketing purposes. Information is shared only with the third-party service providers listed above, solely for the purposes described in this policy.

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy.

Changes to This Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.