Privacy Policy

Last updated: 2026-05-03

Introduction

This privacy notice explains how home-loan-rate-decision-guide.hub2.day (the “Site”) handles information when you use the Home Loan Rate Decision Guide. The Site is a focused, independent web utility that helps homeowners and buyers think through rate change scenarios, compare fixed vs. variable options, and understand break-even points without requiring live rate data.

Information We Collect

Browser-Local Inputs

The interactive decision framework may process inputs (such as loan amounts, terms, or rate assumptions) in your browser to generate comparisons and break-even estimates. These inputs are used only to power the on-screen results and are not transmitted to our servers unless you explicitly choose to share them (for example, by sending us an email).

Contact Email

If you contact us at hello@home-loan-rate-decision-guide.hub2.day, we will process the information you provide in your message (such as your email address and message content) to respond to your request. We do not use contact details for marketing unless you have explicitly asked us to do so.

Server and Security Logs

Our hosting provider may automatically collect limited technical information (such as IP addresses, request timestamps, browser type, and referring URLs) in server and security logs. This data is used to maintain the availability and security of the Site, to diagnose issues, and to protect against abuse.

Cookies and Local Storage

The Site may use cookies or similar technologies (including browser local storage) for the following purposes:

• Strictly necessary operations – to remember your preferences or inputs within a session so the decision framework works as expected.
• Advertising – if you see ads on the Site, advertising partners (including Google AdSense) may set or read cookies or use similar technologies to deliver and measure ads.

Where required by law, we will ask for your consent before using non-essential cookies or similar technologies.

Google AdSense and Advertising

The Site uses Google AdSense to display advertisements. Google and its partners may use cookies, device identifiers, or similar technologies to:

• Serve ads based on your prior visits to this Site or other sites.
• Measure ad performance and interactions.
• Limit the number of times you see a particular ad.

Google’s use of advertising cookies enables it and its partners to serve ads to you based on your use of this Site or other websites. You can learn more about how Google uses data and manage your preferences at https://policies.google.com/technologies/partner-sites.

GDPR, EEA, and UK Rights

If you are located in the European Economic Area (EEA), the United Kingdom, or another jurisdiction with similar laws, you may have certain rights regarding your personal data, including:

• The right to access, correct, or delete personal data we hold about you.
• The right to restrict or object to certain processing.
• The right to data portability, where applicable.
• The right to withdraw consent at any time, where processing is based on consent.

Where required, we will obtain your consent before using non-essential cookies or similar technologies. You can adjust your cookie preferences through your browser settings or any consent mechanism provided on the Site.

CCPA/CPRA Rights (California Residents)

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• The right to know what personal information is collected, used, shared, or sold.
• The right to request deletion of your personal information.
• The right to opt out of the sale or sharing of your personal information.
• The right to non-discrimination for exercising your privacy rights.

To exercise these rights, please contact us at hello@home-loan-rate-decision-guide.hub2.day. We will verify your request before responding.

Service Providers

We may use third-party service providers (such as hosting, analytics, or advertising partners) to support the operation of the Site. These providers may process limited data on our behalf, subject to contractual obligations to protect your information and use it only for the purposes we specify.

Data Retention

We retain personal data only as long as necessary to fulfill the purposes described in this notice, comply with legal obligations, resolve disputes, and enforce our policies. Server and security logs are typically retained for a limited period (for example, 30–90 days) unless longer retention is required for security or legal reasons.

Children

The Site is not directed to children under the age of 13 (or the applicable age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate steps.

Security

We implement reasonable technical and organizational measures to protect the information processed by the Site. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Third-Party Links

The Site may contain links to third-party websites or resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

International Processing

Your information may be processed in or transferred to countries other than your own, including countries that may not provide the same level of data protection. Where required, we take appropriate steps to ensure your information is handled in accordance with applicable laws.

Contact

If you have questions or requests about this privacy notice or your data, please contact us at hello@home-loan-rate-decision-guide.hub2.day.