This Privacy Policy explains how DSCR Calculator ("https://dscrloantool.com/") collects, uses, and protects any information you provide when using our free DSCR Loan Qualifier Calculator. We are committed to your privacy. Please read this policy carefully.
1. Information We Collect
Calculator inputs: All calculations on this site — including rent amounts, loan amounts, interest rates, taxes, insurance, and HOA figures — are performed entirely in your browser (client-side). We do not transmit, store, or log any financial figures you enter into the calculator.
Automatically collected data: Like most websites, our hosting provider (Cloudflare) may automatically collect standard server log information, including your IP address, browser type, referring/exit pages, and date/time stamps. This data is used solely for security, performance monitoring, and abuse prevention.
Contact form: If you use our Contact page, we collect your name, email address, and message content. This information is used only to respond to your inquiry.
2. Cookies
Theme preference: We store a single item in your browser's localStorage(key: theme) to remember whether you have chosen light or dark mode. This is not a cookie and is never transmitted to any server.
Advertising cookies: We display advertisements through Google AdSense. Google may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting Google's Ads Settings or by visiting aboutads.info.
3. Third-Party Services
We may use the following third-party services, each with their own privacy policies:
- Google AdSense — for displaying advertisements. Google Privacy Policy
- Cloudflare Pages — for hosting and content delivery. Cloudflare Privacy Policy
- Google Fonts — for loading the Inter typeface. Google Fonts logs minimal request data. Google Fonts Privacy FAQ
4. How We Use Your Information
We use the information we collect to:
- Operate and improve the calculator and website
- Monitor and protect the security of our site
- Respond to contact inquiries
- Display relevant advertising (via Google AdSense)
We do not sell, trade, or rent your personal information to third parties. We do not share your information with any third party except as necessary to operate the services described above or as required by law.
5. Data Retention
Since we do not store any calculator inputs, there is no financial data to retain or delete. Contact form submissions are retained only as long as necessary to resolve your inquiry, after which they are deleted. Server logs are typically retained for 30 days for security purposes.
6. Children's Privacy
This website is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.
7. Your Rights
Depending on your location, you may have rights under applicable privacy laws (such as GDPR or CCPA) including the right to access, correct, or delete personal data we hold about you. Since we collect minimal personal data, there is typically very little to act on. To make a privacy request, contact us at privacy@dscrloantool.com.
8. Security
We take reasonable technical and organizational measures to protect information against unauthorized access, alteration, disclosure, or destruction. Our site is served exclusively over HTTPS. However, no method of transmission over the Internet is 100% secure.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically. Continued use of the site after changes constitutes acceptance of the updated policy.
10. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at privacy@dscrloantool.com or use our Contact page.