Privacy Policy for Refinance Guide USA

1. Information we collect

We collect only what we need to run the site, answer your messages and send the newsletter you sign up for.

Contact form. When you send us a message, we collect:

• your name (optional), email address, the topic you choose and your message;
• the date and time of the message;
• your confirmation that you agree to this Privacy Policy.

Newsletter. When you subscribe, we collect your email address, the page where you subscribed, the date and time, and your consent.

Security. To protect our forms from spam and abuse, we process technical information such as your IP address and browser type. This information is processed in a protected form and kept only for a short period.

Analytics. We use analytics tools to understand how visitors use the site in general, such as which pages are read most and how people find us. These tools use cookies and collect information such as your approximate location, device, browser and the pages you visit. See section 4 for details and how to opt out.

2. How we use your information

We use the information we collect to:

• reply to your questions, comments or corrections;
• send you educational updates if you subscribed to the newsletter;
• detect and block spam and abuse of our forms;
• understand which content is most helpful and improve the site;
• comply with legal obligations or protect our rights when necessary.

We do not use your information to make decisions about you, and we do not share it with lenders, brokers or advertisers.

3. Service providers

We use a small number of trusted service providers that host the website, store form submissions and measure website traffic. They may process your information only to provide their services to us. These providers may process information in countries other than your own, including the United States.

We may also disclose information when required by law, regulation or legal process, or to protect our rights, safety or the rights and safety of others.

4. Cookies and Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC, which sets cookies in your browser to distinguish visitors and measure usage. We use this information only in aggregated form. You can:

• block or delete cookies in your browser settings; or
• install the Google Analytics Opt-out Browser Add-on.

To learn how Google uses this data, see How Google uses information from sites that use its services.

5. How long we keep your information

• Contact messages: up to 12 months after we receive them.
• Messages identified as spam: up to 90 days.
• Newsletter subscriptions: until you ask us to remove your email.
• Security records: kept only for a short period.
• Analytics data: up to 14 months.

6. Your choices and rights

• You can choose not to use our forms. You can still read all of our guides and articles.
• You can ask us to access, correct or delete your message or your email address, or to remove you from the newsletter, at any time through our Contact page. We will respond within a reasonable time, subject to any legal obligation to keep records.
• You can limit analytics as described in section 4.

7. Security

We take reasonable technical and organizational measures to protect your information. No method of transmission or storage is completely secure.

8. Children's privacy

This website is intended for adults and is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information through this site, please contact us so we can delete it.

9. Third-party websites

Our guides may link to external websites, such as government agencies or educational resources. We are not responsible for the privacy practices of those websites. Please review their privacy policies before providing any personal information.

10. Changes to this Privacy Policy

We may update this Privacy Policy when our content, services or applicable laws change. When we make material changes, we will update the "Last updated" date at the top of this page.

11. How to contact us

If you have questions about this Privacy Policy or how we handle information, please reach us through our Contact page.