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1. Information We Collect

Information You Provide

• Contact Information: Email address and phone number (only when you voluntarily provide it)
• Calculator Data: Home price, down payment, interest rate, time horizon, current rent, zipcode, filing status, and investment return expectations (only when you choose to share results)

Information Automatically Collected

• Usage Data: How you interact with our calculator, pages visited, time spent
• Device Information: Browser type, operating system, IP address, screen resolution
• Cookies: We use cookies for Google AdSense advertising and analytics

2. How We Use Your Information

We use the information we collect to:

• Provide and improve our rent vs buy calculator service
• Send you updates about our service (only if you opt-in)
• Display relevant advertisements through Google AdSense
• Analyze usage patterns to improve user experience
• Respond to your questions or requests
• Provide referrals to financial services (planned for future implementation)

3. Information Sharing

We do not sell, rent, or trade your personal information to third parties. We may share information in limited circumstances:

• Google AdSense: Anonymous usage data for ad targeting
• Netlify: Form submissions are stored on Netlify's servers
• Service Referrals: We may refer you to financial service providers (planned for future), but we do not sell your contact information
• Legal Requirements: If required by law or to protect our rights

4. Data Storage and Security

Your data is stored securely:

• Form submissions are stored on Netlify's secure servers
• We use HTTPS encryption for all data transmission
• Calculator inputs are processed in your browser and only stored if you choose to share results
• We retain your data for 1 year unless you request deletion

5. Cookies and Tracking

We use cookies for:

• Google AdSense: To display relevant advertisements
• Analytics: To understand how visitors use our site
• Functionality: To remember your preferences

You can control cookies through your browser settings, but this may affect site functionality.

6. Third-Party Services

Google AdSense

We use Google AdSense to display advertisements. Google may use cookies to serve ads based on your visits to our site and other sites. You can opt out of personalized advertising by visiting Google's Ad Settings.

Netlify

Our forms are processed by Netlify. Please review Netlify's Privacy Policy for information about their data practices.

7. Your Rights

You have the right to:

• Access the personal information we have about you
• Correct inaccurate information
• Delete your personal information
• Opt out of marketing communications
• Withdraw consent for data processing

8. Children's Privacy

Our service is not intended for children under 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will delete it promptly.

9. California Privacy Rights

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 delete personal information
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

10. International Users

If you are accessing our service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

11. Changes to This 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. We encourage you to review this Privacy Policy periodically.