Privacy Policy

Effective Date: June 30, 2026

Last Updated & Verified: September 1, 2026

Welcome to MortgagePro Global ("MortgagePro Global", "we", "our", or "us"), owned and operated by REO Technologies. This Privacy Policy outlines our transparent data practices across our digital services. To ensure complete clarity for our users, regulatory authorities, and advertising partners, this policy is organized into clear operational sections:

Part I: Universal Data Principles (Website & Mobile App)

1. Informational & Educational Scope

MortgagePro Global provides mathematical estimation tools, statutory loan amortization schedules, central bank rate trackers, and educational guides for 7 countries (USA, Canada, UK, Australia, New Zealand, India, and Europe). We are not a bank, mortgage lender, broker, or financial advisor. All calculations run strictly client-side on your local device.

2. Information We Never Collect

We believe in radical data minimization. Across both our Website and Mobile App, we never collect, request, or store:

• Bank account numbers, credit card details, or payment credentials
• Government identification numbers (SSN, SIN, National Insurance, Aadhaar, PAN)
• Personal mortgage applications, credit scores, or property deeds
• User calculation inputs (your loan amounts, income, and interest rates remain private in your session)

Part II: Website Privacy Policy (mortgageproglobal.com)

3. Website Data Collection & Analytics

When you access our Website via a desktop or mobile browser, we collect limited, non-personally identifiable diagnostic data:

• Server Logs: Standard HTTP request data including IP address (anonymized/truncated), browser type, referring URL, operating system, and timestamp. These logs are used exclusively for security monitoring, DDoS mitigation, and server performance optimization.
• Google Analytics (GTM / GA4): We use Google Analytics with IP anonymization enabled to understand aggregate page views, session duration, and country-level traffic distribution. Analytics scripts remain blocked or restricted until consent is registered where required by law.
• Microsoft Clarity: We utilize Microsoft Clarity for anonymous session recording and heatmaps to detect layout bugs and improve user experience. No personal or sensitive keystrokes are recorded.

4. Web Cookies & Advertising (Google AdSense)

Our Website displays advertisements served by Google AdSense (and its certified third-party vendor network):

• Advertising Cookies: Google uses cookies (such as the DoubleClick cookie) to serve ads based on your prior visits to our website or other websites on the internet.
• Personalized vs. Non-Personalized Ads: In jurisdictions requiring consent (such as the EEA, UK, Switzerland, and California), users are presented with a consent modal (via Google Funding Choices / UMP). If you decline consent, only non-personalized, contextual advertisements are served.
• Opt-Out Options: You may opt out of personalized advertising by visiting Google Ads Settings or through the Network Advertising Initiative (NAI) opt-out portal.

5. Web Browser LocalStorage & Session Cache

Our web calculators use browser localStorage solely to save your preferred country selection or theme setting (light/dark mode) locally on your device. This data is never sent to our servers and can be cleared at any time by clearing your browser cache.

Part III: Mobile Application Privacy Policy

6. Dedicated Android / Google Play Policy

To ensure compliance with Google Play Developer Program Policies and provide clear separation from our web platform, data practices for the MortgagePro Global Android Application are governed under our dedicated standalone document:

👉 Read the Standalone Mobile Application Privacy Policy →

Key highlights of our mobile application privacy architecture include:

• Zero Invasive Permissions: No access to contacts, storage, camera, microphone, or GPS.
• Offline Math: All calculations execute strictly locally on device hardware.
• Google AdMob & UMP: Privacy-first consent management for advertising delivery.
• Zero Account Tracking: No remote account registration or profile tracking.

Part IV: Statutory Rights, Regional Disclosures & Governance

9. European Privacy Rights (GDPR & UK DPA)

Users in the European Economic Area (EEA), United Kingdom, and Switzerland have statutory rights under the General Data Protection Regulation (GDPR), including:

• Right of access, rectification, erasure, restriction of processing, and data portability
• Right to withdraw consent at any time without affecting prior lawful processing
• Right to lodge a complaint with your local Data Protection Authority (DPA)

10. California Privacy Rights (CCPA / CPRA)

Under the California Consumer Privacy Act as amended by the CPRA, California residents have the right to know what personal information is collected, request deletion, and opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising. We do not sell personal information for monetary consideration.

11. Data Retention & Deletion

Because we do not maintain user accounts or personal databases, we hold no user profiles to delete. If you wish to purge all local preferences, simply clear your browser storage or uninstall the mobile application. Review our Data Deletion Policy for specific instructions.

12. Grievance Officer & Official Contact

For any privacy inquiries, legal requests, or regulatory questions regarding either our Website or Mobile Application, please contact our designated team: