Privacy Policy

1. Introduction

At ComparesLoans.com ("we," "our," or "us"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan calculator tools and resources.

By using our website, you consent to the data practices described in this policy. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

2.1 Information You Provide Directly

When you use our loan calculator, we may collect:

• Loan amount inputs
• Interest rate preferences
• Loan term selections
• Payment frequency choices
• Contact information (if you choose to contact us)

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Referring website
• Pages visited on our site
• Time and date of visit
• Time spent on pages
• Other diagnostic data

2.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies we use include:

• Session Cookies: Temporary cookies that expire when you close your browser
• Persistent Cookies: Remain on your device for a set period
• Analytics Cookies: Help us understand how visitors interact with our website
• Preference Cookies: Remember your settings and preferences (like dark mode)

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and maintain our loan calculator service
• To improve and optimize our website and user experience
• To understand and analyze how you use our website
• To develop new products, services, features, and functionality
• To communicate with you, including customer service
• To detect, prevent, and address technical issues
• To comply with legal obligations

4. Google AdSense and Third-Party Advertising

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

Third-party vendors, including Google, use cookies to serve ads based on your prior visits to our website. You can opt out of third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.

5. Google Analytics

We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered is used to create reports about the use of our website.

You can opt-out of Google Analytics by installing the Google Analytics opt-out browser add-on.

6. Data Sharing and Disclosure

We do not sell, trade, or rent your personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information with:

• Business partners
• Trusted affiliates
• Advertisers for the purposes outlined above

We may disclose your information in the following situations:

• To comply with legal obligations or court orders
• To protect and defend our rights or property
• To prevent or investigate possible wrongdoing
• To protect the personal safety of users or the public
• To protect against legal liability

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. However, please note that no method of transmission over the Internet or electronic storage is 100% secure.

Our security measures include:

• SSL/TLS encryption for data transmission
• Regular security assessments
• Limited access to personal information
• Secure storage of data

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. Calculator inputs are processed in your browser and are not stored on our servers unless you explicitly save them to your account (if applicable).

9. Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request copies of your personal data
• Rectification: Request correction of inaccurate data
• Erasure: Request deletion of your data
• Restrict Processing: Request restriction of processing
• Object to Processing: Object to our processing of your data
• Data Portability: Request transfer of your data
• Withdraw Consent: Withdraw consent at any time

To exercise these rights, please contact us using the information provided below.

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know whether your personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to equal service and price, even if you exercise your privacy rights

11. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

12. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

13. Do Not Track Signals

We do not currently respond to Do Not Track (DNT) signals. However, some third-party sites do keep track of your browsing activities. If you are visiting such sites, you can set your preferences in your web browser to inform websites that you do not want to be tracked.

14. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

15. Changes to This Privacy Policy

We reserve the right to update this privacy policy at any time. When we do, we will revise the "Last Updated" date at the top of this policy. We encourage you to review this privacy policy periodically to stay informed about how we are protecting your information.

16. Contact Information

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

17. Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms. If you do not agree to this policy, please do not use our website. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes.