BuydownCalculator

Privacy Policy

Effective Date: July 30, 2026

1. Introduction

Welcome to BuydownCalculator.com ("we," "us," or "our"). We operate the website BuydownCalculator.com (the "Site"), which provides free mortgage calculators including buydown, mortgage payment, discount points, refinance, seller concessions, and APR calculators. This Privacy Policy explains how we collect, use, and share information about you when you visit our Site.

By using the Site, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Site.

2. Information We Collect

2.1 Information You Provide

Our calculators do not require you to provide personal information such as your name, email address, or phone number. The numbers you enter into our calculators (loan amount, interest rate, term, etc.) are processed entirely in your browser and are not transmitted to or stored on our servers.

2.2 Information Collected Automatically

When you visit the Site, we and our third-party partners may automatically collect certain information about your device and browsing activity, including:

  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent on each page
  • Referring website or search engine
  • Approximate geographic location derived from your IP address

This information is collected using cookies, web beacons, and similar technologies described in Section 3 below.

3. Cookies and Similar Technologies

We and our third-party partners use cookies, web beacons, IP addresses, and similar technologies to operate the Site, measure traffic, and serve relevant advertisements. Cookies are small text files placed on your device when you visit a website.

3.1 Google AdSense

This Site uses Google AdSense, a service provided by Google LLC, to display advertisements. Google AdSense uses cookies (including the DoubleClick DART cookie) to serve ads to you based on your prior visits to this and other websites. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to our Site or other websites.

Google's use of advertising cookies enables it and its partners to serve ads to you 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 vendors' use of cookies for personalized advertising by visiting aboutads.info/choices.

For more information about how Google uses data when you use our partners' sites or apps, visit How Google uses data when you use our partners' sites or apps.

3.2 Google Analytics

We use Google Analytics to understand how visitors use our Site. Google Analytics collects information such as how often users visit the Site, what pages they visit, and what other sites they used prior to visiting ours. Google Analytics uses cookies to collect this information. You can review Google's partner-sites privacy policy and opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

3.3 Grow.me

We use Grow.me, a service that may set cookies to enable site engagement features. You can review Grow's privacy practices and manage your preferences at the Grow.me website.

3.4 Managing Cookies

Most web browsers allow you to control cookies through their settings preferences. You can usually configure your browser to refuse all cookies or to accept only first-party cookies. Disabling cookies may affect the functionality of the Site.

4. How We Use Information

We use the information we collect to:

  • Operate, maintain, and improve the Site and our calculators
  • Analyze how visitors use the Site (via Google Analytics)
  • Display relevant advertisements (via Google AdSense and other third-party ad networks)
  • Detect, prevent, and address technical issues and fraud
  • Comply with applicable legal obligations

5. How We Share Information

We do not sell your personal information. We share information with the following categories of third parties:

  • Google LLC — for ad serving (Google AdSense) and analytics (Google Analytics)
  • Third-party advertising networks — that may set cookies and serve ads based on your browsing activity
  • Grow.me — for site engagement features
  • Service providers — that help us operate the Site (e.g., hosting providers)

These third parties may use cookies, web beacons, and IP addresses to collect information about your device and browsing activity as a result of ad serving on our Site. We do not control the data collection practices of these third parties and recommend you review their respective privacy policies.

6. Third-Party Advertising and Personalized Ads

Third-party vendors, including Google, use cookies to serve ads on our Site based on your prior visits to our Site and other websites on the internet. These cookies enable Google and its partners to serve ads to you and measure their effectiveness.

If you wish to opt out of personalized advertising, you can:

7. Children's Privacy

Our Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it. We do not use Google products to serve personalized ads to users known to be under 13.

8. Your Rights — GDPR and CCPA

If you are located in the European Economic Area, the United Kingdom, or Switzerland, you have the right under the GDPR to access, correct, erase, or restrict the processing of your personal data, and to data portability. If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) to know, delete, and opt out of the sale of your personal information.

Because our calculators do not collect personal information directly, and the only information collected is non-identifiable analytics and advertising data processed by Google and other third parties, you can exercise your rights by managing your cookie preferences as described in Section 3 or by contacting the relevant third party directly.

9. Data Security

We take reasonable measures to protect the information collected on our Site. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.

11. Disclaimer

The calculators and content on this Site are provided for informational and educational purposes only. They are not financial advice and are not an offer or guarantee of credit. For guidance specific to your situation, consult a licensed loan officer or financial advisor.

12. Consent

By using our Site, you consent to this Privacy Policy and the collection and use of information as described herein, including the setting of cookies by Google AdSense, Google Analytics, Grow.me, and other third-party advertising partners.