Mortgage Advisor AI

1. Information We Collect

We may collect information about you in various ways:

• Data You Provide to Us: When you use our calculators (Mortgage vs. Investment, Affordability, Refinance), you may provide financial information such as income, debts, mortgage details, investment values, and preferences. If you contact us via email, we will collect your email address and any information you provide in your message.
• Data Stored Locally (LocalStorage): To enhance your experience, we may store your form inputs and shared preferences (like currency, risk profile, active tab) in your browser's `localStorage`. This data remains on your device and is not automatically transmitted to our servers unless you submit a form for AI analysis.
• Usage Data (Analytics): We use Google Analytics to collect information about your interaction with our Service, such as pages visited, features used, time spent on pages, and other statistical data. This data is typically aggregated and anonymized.

2. How We Use Your Information

We use the information we collect for purposes including:

• To provide, operate, and maintain our Service, including processing your inputs through our AI models (powered by Genkit and Google AI) to generate financial analyses and recommendations.
• To improve, personalize, and expand our Service.
• To understand and analyze how you use our Service (via Google Analytics).
• To respond to your comments, questions, and provide customer service if you contact us.
• To comply with legal obligations and protect our rights.

3. Sharing Your Information

We do not sell your personal information. We may share information under the following circumstances:

• With AI Service Providers: Data you submit to our calculators is sent to AI models (e.g., Google's Gemini via Genkit) to perform the requested analysis. These providers have their own privacy policies and terms of service.
• With Analytics Providers: We share usage data with Google Analytics.
• For Legal Reasons: We may disclose your information if required by law, subpoena, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

4. Cookies and Tracking Technologies

Our Service uses cookies and similar tracking technologies (like `localStorage` for preferences and form data persistence on your device). Cookies are small data files stored on your device. Google Analytics uses cookies to track website usage. 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, some parts of our Service may not function properly.

5. Data Security

We take reasonable measures to help protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no electronic transmission or storage of information is completely secure, so we cannot guarantee absolute security. Data submitted for AI analysis is processed by third-party AI providers, and its security is also subject to their policies.

6. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, such as the right to access, correct, or delete your data. For data stored in your browser's `localStorage` by our site, you can typically clear this data through your browser settings. For other requests, please contact us.

7. Children's Privacy

Our Service is not intended for use by children under the age of 13 (or 16 in some jurisdictions). We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to remove that information.

8. Changes to This Privacy Policy

We may update this 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. You are advised to review this Privacy Policy periodically for any changes.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at: info@mortgageadvisorai.com