Privacy Policy

Information We Collect

MortgageBreak collects and stores the following information:

• Calculator Inputs: Mortgage details you enter into the calculator are stored locally in your browser using localStorage. This data never leaves your device unless you explicitly submit a lead form.
• Lead Form Data: When you choose to contact a mortgage professional, we collect your name, email, phone number, province, and language preference along with your mortgage scenario details.
• Usage Analytics: We may collect anonymous usage data to improve the calculator experience.

How We Use Your Information

We use the information collected for the following purposes:

• To perform mortgage break penalty calculations
• To save your calculator inputs for convenience
• To connect you with licensed mortgage professionals when requested
• To improve our calculator and user experience
• To comply with legal obligations

Data Storage and Security

Your mortgage calculation inputs are stored locally in your browser using localStorage technology. This data is never transmitted to our servers unless you explicitly submit the lead capture form. When you submit a lead form, your information is transmitted securely and stored for the purpose of connecting you with mortgage professionals.

Sharing Your Information

We may share your information in the following circumstances:

• Mortgage Professionals: When you submit a lead form, we share your contact information and mortgage scenario with licensed mortgage brokers or lenders who can assist you.
• Service Providers: We may share data with service providers who help us operate the calculator and connect you with professionals.
• Legal Requirements: We may disclose information if required by law or to protect our rights.

We never sell your personal information to third parties.

Your Rights

You have the following rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate information
• Deletion: You can request deletion of your information (locally stored data can be cleared by clearing your browser data)
• Opt-Out: You can opt out of communications from mortgage professionals

Cookies and Tracking

We use browser localStorage to save your calculator inputs for convenience. This data remains on your device and can be cleared by clearing your browser data. We may use cookies for analytics purposes to understand how users interact with the calculator.

Third-Party Links

Our calculator may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.

Children's Privacy

MortgageBreak is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the calculator after changes indicates acceptance of the updated policy.

Contact Us

If you have questions about this privacy policy or wish to exercise your privacy rights, please contact us through the calculator interface or use the contact information provided on our website.