Welcome to Mortgage Advisor AI ("we," "us," or "our"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services (collectively, the "Service").

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. Financial Content Disclaimer

Important Financial Disclaimer

Not Financial Advice: All content, tools, calculators, and AI-generated insights provided on this website are for educational and informational purposes only. Nothing on this site constitutes professional financial, investment, tax, or legal advice.

Consult Professionals: Before making any financial decisions, including mortgage applications, refinancing, or investment choices, you should consult with qualified professionals such as licensed financial advisors, mortgage brokers, real estate agents, tax professionals, and attorneys.

No Guarantees: All calculations, projections, and recommendations are estimates based on the information you provide and general market assumptions. Actual results may vary significantly due to market conditions, individual circumstances, regulatory changes, and other factors beyond our control.

Risk Acknowledgment: Real estate, mortgages, and financial markets involve inherent risks. Property values, interest rates, and market conditions can fluctuate significantly. Past performance is not indicative of future results.

AI Tool Limitations: Our AI-powered analysis tools provide automated insights based on algorithms and may not account for all personal factors, market nuances, or regulatory requirements that could affect your specific situation.

Regional Variations: Mortgage products, interest rates, regulations, and market conditions vary significantly by geographic location and jurisdiction. Information provided may not be applicable to all areas or individual circumstances.

10. Advertising & Google AdSense

This site displays advertising through Google AdSense. Google and its partners may use cookies and similar technologies to serve ads based on your visits to this and other websites. Where required, we request your preference for personalized vs non‑personalized ads. If you decline personalization, AdSense will still show contextual (non‑personalized) ads using, for example, page content or rough (non‑precise) location.

Ad Content Standards: We partner with Google AdSense to display relevant advertisements. All ads comply with Google's advertising policies and content guidelines. We do not control the specific ads displayed but ensure they meet quality and appropriateness standards for financial content.
Ad Placement Disclosure: Advertisements are clearly labeled and positioned to provide a good user experience while supporting our free educational content. Ads are never placed to mislead users or interfere with the primary content.
Personalized vs Non‑Personalized: Your choice is stored locally in your browser. You can change it anytime by clearing site data or through our ad preferences panel.
Opt‑Out & Controls: Manage Google ad personalization globally at Google Ad Settings and learn more about online advertising choices at aboutads.info.
Google Privacy: See Google’s Privacy Policy at policies.google.com/privacy.
Cookies / Local Storage: AdSense and related services may set cookies; we additionally store your personalization preference and certain calculator form inputs in localStorage purely for user experience.

11. Contact Us

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