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Privacy Policy

Last updated: June 28, 2026

This Privacy Policy explains how The Mortgage Ledger (“we”, “us”) handles information when you use this website. The calculator runs in your browser; we aim to collect as little as possible.

Information we collect

  • The figures you enter (home price, down payment, rate, region) are processed in your browser to calculate a payment. They are not sent to us or stored on a server.
  • Your cookie/consent choice is saved locally in your browser (localStorage) so we don’t ask again.
  • Standard server logs. Our hosting provider may record basic technical data (e.g. IP address, browser type) for security and reliability, as is typical for any website.

Live rate data

National interest rates are fetched on our server from public sources — the U.S. Federal Reserve (FRED) and the Bank of Canada. Your browser requests these from us, not directly from those providers, so your details are not shared with them.

Advertising

We do not currently display ads, and no advertising network is connected. If we introduce advertising in the future, third-party partners may use cookies or similar technologies to show and measure ads. Where required (including in the EU, UK, and Canada), we will request your consent first, and personalised advertising will only run if you agree. This policy will be updated before any such change takes effect.

Cookies & consent

We use only essential storage needed to operate the site and remember your consent choice. Visitors in regions with opt-in consent rules are shown a banner; you can change your mind at any time by clearing this site’s data in your browser settings.

Your rights

Depending on where you live (e.g. under the GDPR, UK GDPR, or Canada’s PIPEDA), you may have rights to access, correct, or delete personal data, and to withdraw consent. Because we don’t maintain accounts or store the values you enter, most requests can be satisfied by clearing this site’s data in your browser.

Contact

Questions about this policy? Contact us at [your contact email].

This page is a general template provided for convenience and is not legal advice. Please review it (and complete the bracketed details) before relying on it.