Privacy Policy

1. Data Controller

The data controller responsible for your personal data is:

2. Data Collected

Our mortgage calculator collects and processes the following types of data:

2.1 Data you provide to us

The amounts and parameters you enter into the calculator (property price, down payment, duration, rates) are processed exclusively locally in your browser. This data is never sent to our serversand is not stored permanently.

2.2 Automatically collected data

• Advertising cookies: Google AdSense places cookies to personalize ads (only with your consent)
• Local storage: Your preferences (language, theme, cookie consent) are stored in your browser's localStorage
• Navigation data: Google AdSense automatically collects technical information (IP address, browser type, operating system)

3. Legal Basis and Processing Purposes

4. Data Recipients

Your data is shared with the following third parties:

• Google LLC (AdSense): For displaying personalized advertisements. Google may transfer data to the United States under the EU-US Data Privacy Framework.
  Google Privacy Policy
• Hosting provider: The site is hosted by a third-party provider that may have access to server logs
• External links: Our site contains links to third-party websites (personalloancalculator.eu, bmicalculator.eu). These sites have their own privacy policies and are not covered by this privacy policy. We recommend reviewing their policies before providing any personal information on these sites.

5. Retention Period

• Advertising cookies: Maximum 13 months (in accordance with CNIL recommendations)
• Local storage (preferences): Until you manually delete them or clear your browser data
• Calculation data: Never stored (local processing only)

6. Your Rights (GDPR)

Under GDPR, you have the following rights:

• Right of access (Article 15): Obtain a copy of your personal data
• Right to rectification (Article 16): Correct inaccurate data
• Right to erasure (Article 17): Request deletion of your data
• Right to object (Article 21): Object to the processing of your data
• Right to data portability (Article 20): Receive your data in a structured format
• Right to withdraw consent (Article 7.3): Withdraw your cookie consent at any time via Cookie Settings

How to exercise your rights:
To exercise your rights, contact us at: [email protected]
We will respond to your request within one month.

Right to lodge a complaint:
If you believe your rights are not being respected, you can file a complaint with the CNIL (French Data Protection Authority):
https://www.cnil.fr/fr/plaintes

7. Data Transfers outside the EU

Google AdSense may transfer your personal data to the United States. These transfers are carried out under the EU-US Data Privacy Framework, a mechanism approved by the European Commission to ensure an adequate level of protection.

For more information: Data Privacy Framework

8. Cookies and Similar Technologies

We use the following types of cookies:

You can manage your cookie preferences at any time via Cookie Settings.

9. Data Security

We implement appropriate technical and organizational security measures to protect your data against unauthorized access, loss, or destruction. Our site uses HTTPS to encrypt communications and security headers to prevent common attacks.

10. Changes to this Policy

We reserve the right to modify this privacy policy at any time. The date of the last update is indicated at the top of this page. We encourage you to review this page regularly.

11. Contact

For any questions regarding this privacy policy or the exercise of your rights, contact us at:

[email protected]