Privacy Policy

Last updated: February 11, 2026

PayoffMortgage.org ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://payoffmortgage.org. Please read this policy carefully. By using our website, you agree to the practices described in this Privacy Policy.

1. Information We Collect

Information You Provide

We may collect information that you voluntarily provide when you contact us via email. This may include your name, email address, and the content of your message. We do not require you to create an account or provide personal information to use our mortgage payoff calculator.

Information Collected Automatically

When you visit our website, certain information is collected automatically, including:

  • Log data: Your IP address, browser type, operating system, referring URLs, pages viewed, and the date and time of your visit.
  • Device information: Information about the device you use to access our website, including device type, screen resolution, and operating system.
  • Usage data: Information about how you interact with our website, including pages visited, time spent on pages, and links clicked.

Calculator Data

Any data you enter into our mortgage payoff calculator (loan amount, interest rate, payment amounts, etc.) is processed entirely in your browser. We do not collect, store, or transmit your calculator inputs to our servers.

2. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activity. Cookies are small text files stored on your device that help us improve your experience.

Types of Cookies We Use

  • Essential cookies: Required for the basic functionality of our website.
  • Analytics cookies: Help us understand how visitors interact with our website so we can improve content and user experience.
  • Advertising cookies: Used by our advertising partners (including Google AdSense) to display relevant ads and measure ad performance.

Google AdSense and Third-Party Advertising

We use Google AdSense to display advertisements on our website. Google AdSense uses cookies, including the DoubleClick cookie, to serve ads based on your prior visits to our website and other websites on the Internet. Specifically:

  • Google uses cookies to serve ads based on your visits to this website and other sites on the Internet.
  • Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.
  • You may opt out of personalized advertising by visiting Google Ads Settings.
  • You may also opt out of third-party vendor cookies by visiting the Network Advertising Initiative opt-out page.

For more information about how Google uses data when you use our site, please visit Google's Privacy & Terms page.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To operate, maintain, and improve our website and calculator tools.
  • To respond to your inquiries and communications.
  • To analyze usage trends and optimize the user experience.
  • To display relevant advertisements through Google AdSense.
  • To comply with legal obligations and protect our rights.

4. How We Share Your Information

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

  • Advertising partners: Google AdSense and its partners may collect and use data as described above to serve personalized ads.
  • Service providers: We may share information with third-party service providers who assist us in operating our website (such as hosting providers), subject to confidentiality obligations.
  • Legal compliance: We may disclose information if required to do so by law or in response to valid legal process.

5. Your Rights Under GDPR (European Economic Area)

If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR), including:

  • Right of access: You may request a copy of the personal data we hold about you.
  • Right to rectification: You may request correction of inaccurate personal data.
  • Right to erasure: You may request deletion of your personal data.
  • Right to restrict processing: You may request that we limit how we use your data.
  • Right to data portability: You may request a copy of your data in a machine-readable format.
  • Right to object: You may object to our processing of your personal data for certain purposes, including direct marketing.

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

6. Your Rights Under CCPA (California)

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

  • Right to know: You may request information about the categories and specific pieces of personal information we have collected about you.
  • Right to delete: You may request that we delete any personal information we have collected from you.
  • Right to opt out: You may opt out of the "sale" of personal information. Note: We do not sell personal information in the traditional sense, but the sharing of data with advertising partners may constitute a "sale" under the CCPA's broad definition.
  • Right to non-discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise your CCPA rights, please contact us at [email protected].

7. Data Retention

We retain automatically collected data (such as server logs) for a reasonable period to analyze site usage and improve our services. We do not retain personally identifiable information longer than necessary to fulfill the purposes described in this policy.

8. Data Security

We implement reasonable technical and organizational measures to protect the information we collect. However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

9. Children's Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete that information promptly.

10. Third-Party Links

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

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this page periodically for the latest information.

12. Contact Us

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

Email: [email protected]

Website: https://payoffmortgage.org