Privacy

Overview

This monthly payment calculator is designed to respect your privacy. It runs entirely in your web browser. The numbers you enter to calculate a payment are not transmitted to or stored on our servers.

Information we collect

To produce a payment estimate, the calculator does not require an account and does not ask for your name, contact details, Social Security number, or financial-account information. The only time we collect personal information is if you choose to submit the optional financing-incentives contact form, described below. We do not sell personal information.

When you submit the contact form

If you complete the optional “financing incentives” form, we collect the name, email, phone number, community of interest, and any message you provide, and use it solely so a Colten Mortgage representative can contact you about financing. Submissions are transmitted through our website host (Vercel) and an email delivery service (Resend), which process the information on our behalf only to deliver your request. We do not sell this information.

Information stored on your device

This tool does not store your inputs or any personal information on your device. The values you enter exist only in the page while you use it and are cleared when you close or reload the page.

Shareable links

The "Copy shareable link" feature encodes your scenario inputs (such as home price, down payment, rate, term, community, and loan type) into the link's web address (URL) so the scenario can be reproduced. These links contain loan-scenario values, not personal identity information. Avoid adding personal or sensitive details, and share links only with people you trust.

Cookies and analytics

The Tool does not set advertising cookies and does not run third-party analytics or tracking scripts. A temporary session flag remembers whether you have already seen the welcome pop-up; it is cleared when you close the browser tab.

Third-party content

Company logos may be loaded from third-party hosting services (for example, the lenders' and builder's own website hosts). When your browser requests those images, the hosting provider may receive standard request information such as your IP address, as is typical for any image loaded from the web. Hosting on the operator's own domain can avoid this.

Children's privacy

The Tool is intended for adults evaluating home financing and is not directed to children under 13.

Changes

We may update this notice from time to time. Material changes will be reflected by the "Last updated" date above.

Contact

Questions about privacy? Contact Colten Mortgage at info@ColtenMortgage.com or 800.212.1694.