Privacy Policy

1. Information We Collect

When you use PITICheck, we may collect the following information:

• Voluntarily Provided Information: Your email address if you choose to receive a customized PITI report via our "Save & Share Your Results" feature.
• Usage Data: We may collect standard analytics data (such as IP address, browser type, and interactions with the website) to monitor and improve our web operations.

Note on Financial Data: Financial variables entered into the calculator (e.g., loan amount, interest rate, income) are processed locally in your browser to generate the calculations. We do not permanently store your personal financial numbers on our servers unless explicitly requested via email dispatch.

2. How We Use Your Information

We use the generated information to:

• Send you the personalized reports and estimates you explicitly request.
• Improve our website, calculator algorithms, and overall user experience.
• Comply with necessary United States legal obligations.

3. Third-Party Links and Affiliates

PITICheck is a free educational tool supported by affiliate partnerships. Our website contains links to third-party sponsors (such as Rocket Mortgage and NerdWallet). If you click these links, you will be directed to their respective websites. We are not responsible for the privacy practices, data collection, or terms of these third-party platforms. We strongly encourage you to read their independent privacy policies.

4. Information Sharing and Disclosure

While we do not sell your personal email address, we do share data with third-party networks (like Google Analytics and Meta) for marketing purposes. Because we use affiliate links and display advertisements, third-party advertising partners and affiliate networks may collect information about your visit to measure the effectiveness of our campaigns and track affiliate sales commissions.

We may also share information when legally required to do so by US law enforcement, a valid subpoena, or regulatory authorities.

5. United States State Privacy Rights & Minor Policies

Depending on your US state of residence (such as California under the CCPA/CPRA, Texas, Colorado, or Virginia), you have specific statutory rights regarding your personal data. You have the right to request access to, deletion of, or correction of your personal information, as well as the right to opt-out of the "sale" or "sharing" of your data for targeted advertising.

We honor the Global Privacy Control (GPC) signal. Additionally, you may click the "Do Not Sell or Share My Personal Information" link in our cookie preferences to opt-out. We do not knowingly collect, sell, or share the personal data of children under 16 without explicit opt-in consent from a parent or guardian, in compliance with COPPA and state regulations.

6. Cookies & Consent Mode

We use cookies and similar tracking technologies (including Google Ads tags and Meta Pixels) to analyze traffic, optimize advertisements, and manage affiliate tracking. Our website utilizes Google Consent Mode v2 to ensure your choices are respected; marketing and analytics tags will adjust their behavior based on your selections in our Consent Management banner.