Privacy Policy
Last Updated: December 15, 2024
At Iota-Home, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mortgage calculator application.
Information We Collect
Analytics Data
We use Google Analytics to understand how visitors use our site. This includes:
- Pages visited and features used
- Time spent on the application
- Browser type and device information
- Approximate geographic location (city/country level)
- Referral source (how you found our site)
Locally Stored Data
The following information is stored only in your browser (localStorage) and is never transmitted to our servers:
- Saved mortgage scenarios and calculations
- Your theme preference (light/dark mode)
- Last viewed tabs and settings
- Portfolio adjustments and comparisons
This data remains on your device and can be deleted at any time by clearing your browser's localStorage or using our Reset/Clear features.
How We Use Your Information
We use the information we collect to:
- Improve and optimize our application
- Understand which features are most valuable to users
- Identify and fix bugs or issues
- Analyze usage patterns and trends
- Enhance user experience and performance
Data Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties.
The only third-party service we use is Google Analytics, which processes analytics data according to Google's privacy policy. Google Analytics data is anonymized and aggregated.
All your mortgage calculations and scenarios are stored locally in your browser and are never sent to our servers or any third party.
Data Retention
Analytics Data: Google Analytics retains data for 14 months by default, after which it is automatically deleted.
Local Storage Data: Your saved scenarios and preferences remain in your browser until you manually delete them or clear your browser data.
Your Privacy Rights
GDPR Rights (EU Users)
If you are located in the European Economic Area (EEA), you have the following rights:
- Right to Access: Request a copy of your personal data
- Right to Rectification: Request correction of inaccurate data
- Right to Erasure: Request deletion of your data
- Right to Restrict Processing: Request limitation of data processing
- Right to Data Portability: Receive your data in a structured format
- Right to Object: Object to processing of your data
- Right to Withdraw Consent: Withdraw consent for analytics at any time
CCPA Rights (California Users)
If you are a California resident, you have the right to:
- Know what personal information is collected
- Know if your personal information is sold or disclosed
- Opt-out of the sale of personal information (we do not sell data)
- Request deletion of your personal information
- Non-discrimination for exercising your rights
Cookies and Tracking
We use cookies and similar tracking technologies. For detailed information about the cookies we use, please see our Cookie Policy.
You can manage your cookie preferences through the cookie consent banner or by adjusting your browser settings.
Data Security
We implement appropriate technical and organizational measures to protect your data:
- All data transmission uses HTTPS encryption
- Google Analytics is configured with IP anonymization
- Mortgage calculations are processed entirely client-side
- No sensitive financial data is stored on our servers
Third-Party Links
Our application may contain links to external websites. We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies.
Children's Privacy
Our service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this page. Continued use of the application after changes constitutes acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or want to exercise your privacy rights, please contact us at:
Email: contact@iota-home.com
To delete your locally stored data, you can clear your browser's localStorage or use the Reset/Clear features within the application.