Privacy Policy

Introduction

Kost Labs, LLC ("we," "our," or "us") operates Fifty Year Term (fiftyyearterm.com). This page informs you of our policies regarding the collection, use, and disclosure of personal information we receive from users of our mortgage calculator application.

Information Collection and Use

Our mortgage calculator operates entirely in your browser. We do not collect, store, or transmit your personal financial information to our servers. All calculations are performed locally on your device.

Data We May Collect:

• Usage Data: We may collect anonymous analytics data such as page views, browser type, and general geographic location to improve our service.
• Cookies: We may use cookies to enhance user experience and remember your preferences.
• Contact Information: If you contact us through our contact form, we will collect your name and email address solely for the purpose of responding to your inquiry.

How We Use Your Information

Any information we collect is used to:

• Improve our calculator and user experience
• Respond to customer service requests
• Understand usage patterns and optimize performance
• Send periodic emails (only if you opt in)

Data Security

We implement appropriate technical and organizational measures to protect your information. Since financial calculations are performed locally in your browser, your sensitive financial data never leaves your device.

Third-Party Services

We use third-party services to help us understand how our application is used and to improve your experience. These services have their own privacy policies, and we encourage you to review them.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses cookies and similar technologies to collect and analyze information about application usage and to report on activities and trends. This service may also collect information about your use of other websites, apps, and online resources.

Google Analytics collects data such as:

• Pages visited and features used
• Time spent on pages
• Browser type and version
• Operating system
• General geographic location (country/city level)
• Anonymized IP addresses

To opt out of Google Analytics tracking, you can install the Google Analytics Opt-out Browser Add-on. Learn more about how Google uses data at www.google.com/policies/privacy/partners.

We do not share your personal financial calculation data with Google Analytics or any other third party. All financial calculations remain private and are performed locally in your browser.

Your Rights

You have the right to:

• Access any personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of analytics tracking

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.