Effective Date: January 1, 2026
Last Updated: January 1, 2026
Mortgage Pal ("we", "us", or "our") operates the Mortgage Pal mobile application (the "Service") as a Free app. This SERVICE is provided at no cost and is intended for use as is.
This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the Service and tells you about your privacy rights and how the law protects you.
By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions unless otherwise defined in this Privacy Policy.
For a better experience, while using our Service, we may collect certain information automatically and through your use of the app. This information is used to provide and improve the Service.
Personal Data: While using our Service, Mortgage Pal itself does not require you to provide any personally identifiable information such as your name, email address, or phone number. All mortgage calculations are performed locally on your device.
Usage Data: We may collect information that your device sends whenever you use our Service ("Usage Data"). This Usage Data may include information such as:
Calculation Data: Mortgage calculations you perform in the app (such as loan amounts, interest rates, down payments, and property taxes) are stored locally on your device only. This data is not transmitted to our servers and remains private on your device.
The app does use third-party services that may collect information used to identify you. These services help us improve app functionality, analyze usage patterns, and fix bugs.
Links to privacy policies of third-party service providers used by the app:
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol ("IP") address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
This Service does not use these "cookies" explicitly. However, the app may use third party code and libraries that use "cookies" to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
We may employ third-party companies and individuals ("Service Providers") to facilitate our Service, provide the Service on our behalf, perform Service-related services, or assist us in analyzing how our Service is used.
These third parties may have access to your information only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose. Our Service Providers may include:
We carefully vet all Service Providers to ensure they maintain appropriate data protection standards and comply with applicable privacy laws.
We use the collected information for various purposes:
We value your trust in providing us your information, and we are committed to using commercially acceptable means of protecting it. We implement a variety of security measures to maintain the safety of your information when you use our Service.
Our security measures include:
However, please be aware that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.
In the event of a data breach that affects your personal information, we will notify you and relevant authorities as required by applicable law. We will provide you with information about the breach and steps you can take to protect yourself.
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
We will retain your Usage Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Usage Data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.
All calculation data (loan amounts, interest rates, payment schedules, etc.) is stored locally on your device only. We do not have access to this data and cannot delete it from our servers as it is never transmitted to us. You can delete this local data at any time by deleting the app from your device or using the app's built-in data clearing features.
Depending on your location, you may have certain rights regarding your personal information:
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at hello@mortgagepal.co.
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):
To exercise these rights, please contact us at hello@mortgagepal.co. We will verify your identity before processing your request.
We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. However, as Mortgage Pal is a mobile application and does not track your browsing activity across websites, DNT signals do not apply.
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.
If you have any questions, concerns, or requests about this Privacy Policy or our privacy practices, please contact us at:
Email: hello@mortgagepal.co
Website: mortgagepal.co
We will respond to your inquiry within 30 days of receipt.
By using our Service, you hereby consent to our Privacy Policy and agree to its terms.