Privacy Policy

How we handle your data.

Last updated: 2026-05-03

Introduction

This privacy notice explains how mortgage-rate-lock-timing-guide.hub2.day handles information when you visit or interact with this site. We aim to be transparent about what data is collected, why, and what choices you have.

Information We Collect

Browser-Local Inputs

The interactive guide may store your inputs (such as loan amount, rate, lock window, and scenario choices) locally in your browser using localStorage or similar client-side mechanisms. This data stays on your device and is not transmitted to our servers unless you explicitly submit it (for example, by using a contact form).

Contact Email

If you contact us at hello@mortgage-rate-lock-timing-guide.hub2.day, we will process your email address and message content solely to respond to your inquiry. We do not use contact emails for marketing unless you separately opt in.

Server and Security Logs

Our hosting provider may automatically log standard server information such as IP address, request timestamps, user-agent strings, and referring URLs. These logs are used for security, abuse prevention, and basic operational monitoring. Logs are retained for a limited period consistent with operational needs and are not used for individual profiling.

Cookies and Local Storage

This site may use cookies and browser local storage for the following purposes:

  • Strictly necessary: To maintain basic site functionality and session state.
  • Advertising: Google AdSense may set cookies to serve and personalize ads. See the Advertising section below.
  • Preferences: To remember your choices such as consent preferences or display settings.

You can manage cookies through your browser settings. Blocking certain cookies may affect site functionality and ad personalization.

Google AdSense and Advertising

This site uses Google AdSense to display advertisements. Google and its partners may use cookies and similar technologies to serve ads based on your visits to this site and other websites. This may include the use of Google's advertising cookie (IDE) and other identifiers.

Under applicable law, we may seek your consent before allowing Google to use cookies for personalized advertising. Where consent is required and not given, non-personalized or contextual ads may be shown instead.

You can review Google's privacy practices at https://policies.google.com/privacy and manage your ad personalization settings at https://adssettings.google.com.

GDPR / EEA / UK Rights

If you are located in the European Economic Area or the United Kingdom, you have certain rights under the GDPR and UK GDPR, including:

  • The right to access personal data we hold about you.
  • The right to request correction or deletion of your data.
  • The right to object to or restrict certain processing.
  • The right to data portability where applicable.
  • The right to withdraw consent at any time where processing is based on consent.

We rely on legitimate interests for server security logs and on consent where required for advertising cookies. To exercise any of these rights, contact us at hello@mortgage-rate-lock-timing-guide.hub2.day.

CCPA / CPRA Rights

If you are a California resident, you may have rights under the CCPA/CPRA, including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale or sharing of personal information.

This site does not sell personal information in the traditional sense. However, the use of third-party advertising cookies may constitute "sharing" under CPRA. You may opt out by adjusting your cookie consent preferences or by using browser-level opt-out signals such as the Global Privacy Control (GPC).

To submit a request, email hello@mortgage-rate-lock-timing-guide.hub2.day. We will verify your request and respond within the timeframes required by law.

Service Providers

We use third-party service providers for hosting, analytics, and advertising. These providers may process data on our behalf under contractual obligations consistent with this policy. Key providers include:

  • Hosting infrastructure — for serving the website and maintaining server logs.
  • Google AdSense — for serving advertisements and related measurement.

We do not share personal information with other third parties except as described in this notice or as required by law.

Data Retention

We retain personal data only as long as necessary for the purposes described:

  • Server security logs: retained for a limited operational period (typically 30–90 days).
  • Contact inquiries: retained as long as needed to resolve your request, then deleted or anonymized.
  • Browser-local data: remains on your device until you clear it.
  • Advertising cookies: retention periods are set by Google and may vary; refer to Google's policies for details.

Children

This site is not directed at children under 16 (or the applicable age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided personal data, please contact us and we will take steps to delete it.

Security

We implement reasonable technical and organizational measures to protect information against unauthorized access, alteration, or destruction. No method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

Third-Party Links

This site may contain links to external websites. We are not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any external sites you visit.

International Processing

Your information may be processed in countries other than your country of residence, including the United States. Where required, we rely on appropriate safeguards such as standard contractual clauses or adequacy decisions to protect your data during international transfers.

Changes to This Notice

We may update this privacy notice from time to time. Changes will be posted on this page with an updated revision date. Continued use of the site after changes constitutes acceptance of the revised notice.

Contact

If you have questions about this privacy notice or wish to exercise your rights, please contact us at hello@mortgage-rate-lock-timing-guide.hub2.day.