Privacy Policy

At AmortizationChecker.com, we believe that your financial privacy is as fundamental as a balanced budget. This policy explains exactly what data we collect, why we collect it, and how we keep it secure — no jargon, no fine print tricks. Our goal is 100% transparency, so you can use our loan calculators and resources with complete peace of mind.

1. Who we are & how to reach us

AmortizationChecker.com is operated by Zyra Velline (CFA, CFP, FPWM) – a seasoned financial analyst and former mortgage executive with over 18 years of experience in amortization schedules, loan structures, and consumer financial protection. Our registered address and principal place of business is:

• 6436 Bud Bexley Pkwy, Land O’ Lakes, FL 34638, USA

If you have any concerns about your data, or simply want to ask a question, you can directly contact operator Zyra Velline using any of these channels:

• 📧 Email: [email protected] (Zyra personally reads every privacy inquiry)
• 📞 Phone: (601) 609-7001 (weekdays 9am–5pm ET, ask for Zyra’s office)
• 🌐 Contact page: https://amortizationchecker.com/contact-us/
• ✉️ Mail: 6436 Bud Bexley Pkwy, Land O’ Lakes, FL 34638

2. Information we collect

We collect two types of information: (a) information you voluntarily provide, and (b) technical data collected automatically when you use our tools.

2.1 Personal data you provide

When you use our contact form, subscribe to email updates, or request support, we may collect:

• Full name
• Email address
• Phone number (optional)
• Any message or details you include

We never ask for sensitive financial data (like bank logins, SSN) via our site — please never share such information.

2.2 Usage & device data (analytics)

Like nearly all websites, we automatically receive and log information from your browser or device when you visit. This includes:

• IP address (anonymized where possible).
• Browser type / version, device type.
• Pages you view (e.g., which mortgage calculator you used)-Time and date of access, referral source.
• Aggregate usage statistics.

3. Cookies & tracking technologies

We use cookies — tiny text files stored on your device — to enhance your experience and understand how our calculators are used. Here’s the breakdown:

• Strictly necessary cookies: for security and to enable basic functions (like remembering your calculator inputs during a session).
• Preference cookies: remember your settings (e.g., preferred currency format).
• Analytics cookies: (via Google Analytics) help us improve content by tracking page popularity, but we anonymize IP addresses.

You can disable cookies through your browser settings, but some parts of the site may not work optimally. By continuing to use AmortizationChecker.com, you consent to our use of cookies as described.

4. How we use your information

We use your data only for legitimate purposes, and we never sell or rent your personal information. Period.

• To answer your questions submitted via contact page
• To improve our calculators and articles based on user behavior
• To send you occasional updates if you opt‑in (you can unsubscribe anytime)
• To detect and fix technical issues (security, bugs)
• To comply with legal obligations (e.g., if required by a court order)

5. Legal basis for processing (EEA/UK visitors)

If you are located in the European Economic Area or the United Kingdom, we process your personal data under the following lawful bases:

• Consent: for optional cookies and email subscriptions
• Legitimate interests: to maintain and improve our site, prevent fraud, and communicate with you after a contact request
• Legal obligation: if we must retain data to comply with applicable laws

6. Data retention

We keep personal data (like emails from contact forms) for 24 months to handle follow‑up questions, then securely delete it. Usage logs are anonymized after 6 months. If you ask us to delete your data earlier, we’ll do so within 30 days, subject to any legal holds.

7. Third‑party services & advertisers

We partner with trusted third parties to display relevant ads and analyze traffic:

• Google Analytics (aggregate, anonymized stats) – how Google uses data.
• Google AdSense – may use cookies to serve personalized ads based on your interests. You can opt out of personalized advertising here.
• Email delivery service (if you subscribe) – only used to send requested information.

These providers have their own privacy policies, and we require them to keep your data confidential.

8. Your rights (GDPR, CCPA, etc.)

We respect your control over personal data. Depending on your location, you have the right to:

• Access the personal data we hold about you
• Request correction or deletion (right to be forgotten)
• Object to processing, or restrict processing
• Data portability (receive your data in a structured format)
• Withdraw consent at any time (without affecting lawfulness of prior processing)
• Opt out of “sales” of data — we do not sell your data, so no action needed.

To exercise any of these rights, simply email [email protected] or call (601) 609-7001. We’ll respond within 30 days.

9. Do Not Track (DNT) signals

Our site does not respond to “Do Not Track” signals because there is no uniform standard. However, you can control cookies and tracking via your browser and the opt‑out tools mentioned above.

10. Children’s privacy (COPPA)

AmortizationChecker.com is a financial education tool intended for adults (18+). We do not knowingly collect any information from children under 13. If you believe a child has provided us with personal data, please contact us immediately so we can delete it.

11. Security measures

We implement industry‑standard protections, including:

• 256‑bit SSL/TLS encryption (look for the padlock in your browser)
• Regular security audits and malware scans
• Access controls – only Zyra Velline (CFA, CFP) and essential technical personnel can access personal data

That said, no online transmission is 100% secure. We strive to protect your data but cannot guarantee absolute security.

12. International transfers

If you are visiting from outside the United States, your data may be transferred to and processed in the U.S., where our servers are located. U.S. data protection laws may differ from those in your country. By using our site, you consent to this transfer. For transfers from the EEA, we rely on Standard Contractual Clauses or adequacy decisions where applicable.

13. Changes to this policy

We may update this privacy policy to reflect changes in our practices or legal requirements. The “last updated” date at the top will always show the latest revision. If we make significant changes, we’ll post a notice on the website or contact you directly if we have your email. Please review periodically.

Update history:

• March 2, 2023 – initial version published by Zyra Velline, CFA, CFP.

14. Your consent

By using AmortizationChecker.com, you acknowledge that you have read and understood this Privacy Policy. For the terms governing use of our calculators and content, please review our Terms and Conditions and Disclaimer.

Still have questions? Zyra is here to help.

You can reach Zyra Velline, CFA, CFP, FPWM directly — the person who holds advanced certifications in amortization and consumer lending — at any of the methods below. Every email is read by Zyra or her designated privacy associate.

📬Zyra Velline, Operator & Senior Financial Analyst
CFA · CFP® · FPWM (Wharton) · CAS™
📍 6436 Bud Bexley Pkwy, Land O’ Lakes, FL 34638
📞 (601) 609-7001 · ✉️ [email protected]
🔗 https://amortizationchecker.com/about-us/ (full credentials & publications)