Privacy Policy

Data Collection

We do not store or collect any financial data. All calculations happen locally on your device, inside your browser. The loan amounts, interest rates, down payments, trade-in values, and any other figures you enter into our calculators are never transmitted to us or to any server, and they are not saved after you close the page.

AmortiWise requires no account, sign-up, or login. We do not ask for, receive, or store names, email addresses, addresses, phone numbers, Social Security numbers, or any other personal information through the calculators.

Cookies and Ads Usage

AmortiWise does not set tracking cookies and does not build advertising profiles itself. Advertising space on the site is reserved for standard, clearly labeled ad placeholders. If third-party advertising or analytics services are ever enabled, they may use cookies or similar technologies to serve and measure ads; those services operate under their own privacy policies, and you can control or delete cookies through your browser settings at any time.

Because disabling cookies can affect how some websites function, we keep the site fully usable without them — every calculator works with cookies and scripts from third parties blocked.

Information Stored on Your Device

Downloaded CSV schedules and printed or saved PDF schedules are created by your own browser at your request. We never see those files and have no access to them.

Children's Privacy

AmortiWise is a general-audience educational tool and is not directed at children under 13. Because we collect no personal information, no data about children is gathered or stored.

Limitation of Liability

AmortiWise is provided on an "as is" and "as available" basis, for educational and informational purposes only, without warranties of any kind, express or implied, including accuracy, completeness, merchantability, or fitness for a particular purpose.

To the maximum extent permitted by law, AmortiWise and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the site or its calculators — including decisions made, loans entered into, or losses incurred based on estimated results. Calculator outputs are estimates; actual loan terms, fees, escrow, taxes, insurance, and interest accrual methods vary by lender. Nothing on this site is financial, tax, or legal advice. Always confirm figures with your lender and a qualified professional before making financial decisions.

Changes to This Policy

We may update this policy as the site evolves. The "Last updated" date at the top of this page reflects the current version, and material changes will be summarized on this page.

Contact

Questions about this policy? Reach us through the contact page. See also our Terms of Service.