Who we are

EarlyMortgagePayoff.com ("we", "us", "our") is an independent personal-finance website operated in the United States. This Privacy Policy explains how we collect, use, and protect your information when you visit our site.

What information do we collect?

  • Calculator inputs: Information you enter into our calculators (loan balance, rate, term, etc.) is processed entirely in your browser and is never sent to our servers, never logged, and never stored.
  • Email subscriptions: If you subscribe to our newsletter or request our payoff roadmap, we collect your email address. We use this only to send you the requested content. You can unsubscribe at any time.
  • Contact form submissions: When you submit a contact form, we collect your name, email, and message to respond to your inquiry.
  • Cookies and analytics: We use cookies and analytics tools to understand site usage. You can control cookies through your browser.
  • Advertising data: Third-party advertisers (Google AdSense, etc.) may use cookies and similar technologies to serve ads relevant to your interests.

How do we use your information?

  • To provide and improve our calculators and content
  • To respond to inquiries
  • To send subscribed newsletters and content
  • To display relevant advertising
  • To analyze site performance and usage

Cookies and advertising

We use cookies for essential site functionality, analytics, and advertising. Our advertising partners — including Google AdSense — may use cookies to deliver targeted ads based on your visits to this and other sites. You can opt out of personalized advertising at aboutads.info.

Affiliate links

Our site contains affiliate links to third-party lenders (LendingTree, Bankrate, Better, Rocket Mortgage, Navy Federal Credit Union). When you click an affiliate link and complete an action, we may receive a commission. This never costs you extra and does not influence editorial content.

Your rights (GDPR / CCPA)

If you are a resident of the European Economic Area, the United Kingdom, or California, you have the right to:

  • Access the personal data we hold about you
  • Request correction or deletion of your data
  • Object to processing of your data
  • Receive your data in a portable format
  • Withdraw consent at any time
  • Lodge a complaint with a supervisory authority

To exercise these rights, email contact@earlymortgagepayoff.com.

Data retention

We keep email addresses for as long as you remain subscribed. Contact form messages are retained for up to 24 months. We do not store any calculator inputs.

Data sharing

We do not sell, rent, or trade your personal data. We may share data only with: (1) service providers (email delivery, hosting) bound by confidentiality agreements; (2) when required by law; (3) advertising partners as described above.

Children's privacy

Our site is not directed to children under 13. We do not knowingly collect personal data from children. If you believe a child has provided us data, please contact us.

Security

We implement industry-standard security measures (TLS/SSL, secure session handling, hashed passwords). No method of transmission over the internet is 100% secure, but we work hard to protect your information.

Changes to this policy

We may update this Privacy Policy periodically. The "Last updated" date at the top of this page reflects the most recent revision.

Contact

Questions about this policy? Email contact@earlymortgagepayoff.com or visit our Contact page.