SmartFinanceNerd.com
Privacy Policy
Effective date: April 17, 2026
SmartFinanceNerd.com ("we," "our," or "us") operates a financial calculator website that provides mortgage and personal finance estimation tools. This Privacy Policy explains how we collect, use, store, and protect information when you use our website. By using SmartFinanceNerd.com, you agree to the practices described below.
1. Information We Collect
A. Information You Enter in Calculators
Our calculators may allow you to input financial information such as income, loan amounts, interest rates, home prices, and debt details. If you are using the website without an account, we do not store, save, or retain this information. All calculations are processed in real time and immediately discarded after results are displayed.
B. Account and Subscription Information
If you choose to create an account or subscribe to a paid plan, we may collect and store personal and financial-related information necessary to provide those services. This may include name, email address, billing information (processed securely through third-party payment providers), account login credentials, subscription status and payment history, and saved calculator inputs or financial profiles if you choose to store them. This information is used to manage your account, provide subscription services, process payments, offer personalized features, and improve user experience. We do not sell your personal information.
C. Automatically Collected Information
When you visit our website, we may automatically collect limited technical data such as IP address, browser type, device information, pages visited, approximate location, and referring website. This information is used for analytics, security, and improving website performance.
2. How We Use Information
We use collected information to operate and maintain the website, provide account and subscription services, improve user experience, monitor traffic patterns, and detect or prevent fraud and abuse. We do not sell personal information.
3. Cookies and Tracking Technologies
We may use cookies and similar technologies to analyze website traffic, improve performance, support analytics tools, manage accounts, and deliver advertising if enabled. You can disable cookies in your browser settings, but some features may not function properly.
4. Third-Party Services
We may use third-party services such as payment processors, analytics providers, hosting platforms, and advertising networks. These third parties may collect and process data under their own privacy policies. We encourage you to review their policies separately.
5. Advertising
If advertising is enabled, third-party vendors such as Google AdSense may use cookies to show relevant ads based on general browsing behavior. You can opt out of personalized advertising through Google settings. We do not control third-party advertising networks.
6. Data Storage and Security
SmartFinanceNerd.com does not store user financial inputs unless the user has created an account and chosen to save data. For registered users, relevant data may be securely stored to provide account functionality and subscription services. We use reasonable security measures including HTTPS encryption, secure hosting, access controls, and monitoring systems. However, no online system can guarantee absolute security.
7. Financial Disclaimer
SmartFinanceNerd.com provides informational and educational tools only. We are not financial advisors, mortgage lenders, or credit providers. All calculations are estimates and should not be considered financial, legal, or investment advice. Users should consult qualified professionals before making financial decisions.
8. Children's Privacy
This website is not intended for children under 13. We do not knowingly collect personal information from children.
9. External Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices, content, or security.
10. Your Privacy Rights
Depending on your location, you may have rights such as accessing your personal data, requesting correction or deletion, opting out of cookies or tracking, and managing account and subscription data. Registered users may update or delete their account data through account settings or by contacting us.
11. Changes to This Policy
We may update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.
12. Contact Us
If you have any questions, you can contact us at: