Privacy Policy

Introduction

Amortio ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at amortio.com (the "Site").

By using our Site, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our Site.

Information We Collect

We collect minimal information from you. The calculator performs all calculations locally in your browser, and we do not store any of your financial information entered into the calculator.

Personal Information You Provide

If you contact us through our contact form, we may collect:

• Name
• Email address
• Subject of inquiry
• Message content

Automatically Collected Information

When you visit our Site, we may automatically collect certain information about your device and browsing behavior, including:

• Browser type and version
• Operating system
• Pages visited and time spent on each page
• IP address and geographic location
• Referral source (which website sent you to us)
• Device information (mobile, tablet, desktop)
• Screen resolution and display settings

Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience and gather information about how you use our Site.

What Are Cookies?

Cookies are small text files stored on your device that help us remember your preferences and understand how you interact with our Site.

Types of Cookies We Use

• Essential Cookies: Necessary for the Site to function properly
• Analytics Cookies: Help us understand how visitors use our Site
• Preference Cookies: Remember your settings and preferences
• Advertising Cookies: Used by third-party advertising partners to deliver relevant ads

Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse cookies or delete cookies. However, please note that blocking or deleting cookies may impact your experience on our Site.

Third-Party Advertising Partners

We may partner with third-party advertising networks to display advertisements on our Site. These advertising partners may use cookies, web beacons, and other tracking technologies to collect information about your visits to our Site and other websites in order to provide advertisements about goods and services of interest to you.

How Advertising Works

Third-party vendors, including advertising networks, use cookies to serve ads based on your prior visits to our Site and other websites. This practice is known as interest-based advertising or online behavioral advertising.

Opting Out of Personalized Advertising

You may opt out of personalized advertising by visiting:

• Digital Advertising Alliance (DAA) Opt-Out
• Network Advertising Initiative (NAI) Opt-Out
• European Interactive Digital Advertising Alliance (EDAA)
• Your mobile device settings (iOS: Settings → Privacy → Advertising; Android: Settings → Google → Ads)

Please note that opting out does not mean you will no longer see ads; it means the ads you see will be less relevant to your interests.

Google Services

Google AdSense

We use Google AdSense to display advertisements on our Site. Google AdSense uses cookies and similar technologies to serve ads based on your prior visits to our website and other websites on the Internet.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and/or other sites on the Internet. You may opt out of personalized advertising by visiting Google Ads Settings or by visiting www.aboutads.info.

Google Analytics

We use Google Analytics to collect information about how visitors use our Site. Google Analytics uses cookies to collect standard Internet log information and visitor behavior information in an anonymous form. This information is transmitted to Google, where it is used to compile statistical reports on website activity.

We use these reports to understand traffic patterns, improve user experience, and optimize our content. The information collected by Google Analytics includes:

• Number of visitors to the Site
• Pages visited and time spent on each page
• Geographic location of visitors (country/city level)
• Browser and device information
• Traffic sources and referral websites
• User behavior patterns and navigation flows

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Additional Google Services

For more information about how Google uses data when you use our Site, please visit How Google uses data when you use our partners' sites or apps.

Advertising Revenue Disclosure

Amortio is a free service supported by advertising revenue. We partner with Google AdSense to display advertisements that help us maintain and improve our free calculator and educational content.

These advertising partners may use cookies, web beacons, and other tracking technologies to:

• Serve relevant advertisements based on your interests
• Measure ad performance and effectiveness
• Prevent fraud and ensure ad quality
• Provide aggregated reporting to advertisers

We do not sell your personal information to advertisers. However, advertisers may receive aggregated, anonymous information about our audience demographics and interests.

How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our Site
• Respond to your inquiries and requests
• Improve, personalize, and expand our Site and calculator
• Understand and analyze how you use our Site
• Develop new features, products, and services
• Communicate with you (if you opt-in)
• Display relevant advertisements
• Detect, prevent, and address technical issues
• Comply with legal obligations and protect our rights

Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our Site
• Advertising Partners: We may share aggregated, non-personal information with advertising partners
• Legal Requirements: We may disclose your information if required by law or in response to valid legal requests
• Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites before providing any personal information.

Children's Privacy

Our Site is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete such information.

Your Privacy Rights

General Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Object to processing of your personal information
• Request restriction of processing your personal information
• Request transfer of your personal information (data portability)
• Withdraw consent at any time (where processing is based on consent)
• Opt-out of marketing communications

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising your rights

European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including the rights listed above.

Exercising Your Rights

To exercise any of these rights, please contact us through our contact page. We will respond to your request within 30 days.

Do Not Track Signals

Some web browsers have a "Do Not Track" feature that signals to websites you visit that you do not want to have your online activity tracked. Our Site does not currently respond to Do Not Track signals.

International Data Transfers

Your information may be transferred to, and maintained on, computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Site, you consent to such transfers.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by updating the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.