The owners of the LoanDelta.com website understand the concerns people have about privacy and safety on the Internet. This Privacy Policy explains what information we gather from visitors, how we use it, how we store it, and the steps we take to protect your privacy.

LoanDelta.com does not use any cookies of its own. However, LoanDelta.com does make use of a feature called "Save URLs" that can persistently preserve data entered into the site's form fields via a URL string. "Save URLs" are described in more detail in a section below.

At any time LoanDelta.com may decide to make use session cookies, persistent cookies, or both to enhance the user experience or for any other reason. User's should be aware of the possibility of a change in cookie policy without further notification.

Session Cookies vs Persistent Cookies - Browsers are supposed to delete session cookies whenever the browser is closed. Thus, session cookies are not supposed to be saved permanently on a users computer although that's ultimately dependent upon the browser implementation. Persistent cookies contain an expiration date that serves as an indication to the browser that the website would like the browser to save the cookie on the user's computer for a period of time up to the expiration date. Thus, persistent cookies are stored on a computer's hard drive.

LoanDelta.com does NOT put personally identifiable information such as email addresses in cookies or in "Save URLs".

Most browsers allow users to opt out of using cookies. Browsers may also let users opt out of persistent cookies while still allowing session cookies. Some features of LoanDelta.com may not function properly or at all without cookies enabled.

• Internet Explorer 7, 8, 9, 10, 10 for Windows 7, 11, 11 for Windows 7
• Google Chrome
• Apple Safari General, 5.1, 6
• Firefox and Mozilla browsers

LoanDelta.com makes use of the following third party services that use persistent cookies:

• Google Analytics (see "Third Party Services" below for more info)
• Google AdSense (see "Third Party Services" below for more info)
• Tweet button (see "Third Party Services" below for more info)
• Pinterest "Pin it" button (see "Third Party Services" below for more info)
• Facebook "Like" & "Share" buttons (see "Third Party Services" below for more info)
• Google g+ button (see "Third Party Services" below for more info)

LoanDelta.com generates "Save URLs" that are intended to allow users to save and share links to the site with the current form field settings preserved. These Save URLs serve a similar purpose as a persistent cookie except the information is encoded in a URL instead of in a cookie stored by a browser. Users decide how or if they will make use of "Save URLs".

Many users choose to save the "Save URL" in their "Favorites" or "Bookmarks" and in doing so the browser will save the encoded form field data on their computer. Browsers allow "Favorites" or "Bookmarks" to be easily imported and exported, thus "Save URLs" saved to "Favorites" or "Bookmarks" are vulnerable to unintended transfer from one computer to another whenever "Favorites" or "Bookmarks" are exported and imported.

"Save URLs" are, of course, URLs. Thus, they will show up in a browser's navigation history if a "Save URL" page is loaded in a browser. Browsers save their navigation history to the user's computer. Thus, users should avoid accessing "Save URLs" from other people's devices including computers in libraries, kiosks, and other public places if they are concerned with keeping the encoded form field content private.

LoanDelta.com uses the industry standard unsecure HTTP protocol for all page loads. LoanDelta.com does not store any content entered by users on our web servers. All content entered by users is limited to client side analysis by JavaScript code and preservation via "Save URLs" at the users' discretion.

LoanDelta.com does not store any content entered by users on our web servers. All content entered by users is limited to client side analysis by JavaScript code and preservation via "Save URLs" at the users' discretion.

LoanDelta.com allows users to enter information about one or more loans for comparison and analysis purposes. We do not make use of this information beyond the client side loan calculation, analysis, and comparison that is the primary focus of the site. The information collected includes:

• Loan Amount
• Loan Interest Rate
• Loan Term (duration)
• Loan Payment Amount
• Amount of Property Taxes
• Amount of Insurance Payments

At any time we may decide to make use of the information above to enhance our display of ads thereby making them context sensitive based on the information entered by users. For example, a user performing mortgage analysis may be presented with mortgage ads rather than ads for auto loans or other things. Implementation of enhanced context sensitive ads may involve sharing user entered data with third party advertisers such as Google Adsense.

LoanDelta.com creates a "Save URL" that is updated every time a user changes a form input field on the site. If users link to a "Save URL" from their Facebook, Twitter, or other social media accounts or send links via email then the information entered on the site can be associated directly with the user (via their social media account). If users don't want to share the content entered on the site publicly or in a way that can be associated directly with them then they should avoid clicking, sending, linking to, or otherwise using "Save URLs". The use of "Save URLs" is completely optional and at each user's discretion.

LoanDelta.com makes use of the following third party services:

• Google Analytics

  Google Analytics is a robust website analysis tool. Google Analytics utilizes cookies, IP addresses, browser user-agent strings, and other information to help website operators understand how their website is being accessed and utilized.

  All Google Analytics cookies are associated with Google Analytics servers and not with the LoanDelta.com website. However, the information gathered by the use of these cookies is used by the owners and operators of the LoanDelta.com website. The statistical information collected by the Google Analytics system may also be utilized by Google in an aggregate, anonymous fashion to provide multi-site statistical analysis of web traffic, browser popularity, and other interesting, potentially useful data.

  LoanDelta.com loads a script from Google's servers in order to utilize Google Analytics. LoanDelta.com has no control over this script's execution or its use of cookies or other user data.

  Google's Privacy Policy

• Google AdSense

  Google AdSense is Google's world class advertising system that allows website developers to place ads on their web pages. The AdSense service is a godsend for website developers because all websites have operational costs that must be funded somehow. AdSense provides an extremely effective platform that allows websites to optimize their potential ad revenue and support their operational costs. AdSense uses persistent cookies, the content of a site's web pages, and other information to present ads that are context appropriate for the web pages and potentially of high interest to page visitors.

  The persistent AdSense cookies are associated with Google's AdSense servers and not with the LoanDelta.com website. This means other websites that display AdSense ads can share the same persistent AdSense cookie as LoanDelta.com. Thus, the AdSense advertising system can maintain information about all the websites you visit that show AdSense ads. This can help the AdSense system display ads of high interest to you but it is also a privacy issue to be aware of.

  LoanDelta.com loads a script from Google's servers in order to utilize Google AdSense. LoanDelta.com has no control over this script's execution or its use of cookies or other user data.

  Google's Privacy Policy

• Tweet button Twitter's Privacy Policy

  LoanDelta.com provides one or more "tweet" buttons that facilitates the ability of users to tweet the site's home url, a "Save URL", or other information about the site. LoanDelta.com loads one or more scripts, iframes, and/or images from twitter's servers in order to provide this capability. LoanDelta.com has no control over the content, execution, or use of cookies or other user data by these scripts and iframes.

• Pinterest button Pinterest's Privacy Policy

  LoanDelta.com provides one or more "Pin it" buttons that facilitates the ability of users to "pin" the site's home url, a "Save URL", or other information about the site. LoanDelta.com loads one or more scripts, iframes, and/or images from Pinterest's servers in order to provide this capability. LoanDelta.com has no control over the content, execution, or use of cookies or other user data by these scripts and iframes.

• Facebook "Like" & "Share" Facebook's Privacy Policy

  LoanDelta.com provides one or more "Like" & "Share" buttons that facilitates the ability of users to share the site's home url, a "Save URL", or other information about the site on Facebook. LoanDelta.com loads one or more scripts, iframes, and/or images from Facebook's servers in order to provide this capability. LoanDelta.com has no control over the content, execution, or use of cookies or other user data by these scripts and iframes.

• Google g+ button Google's Privacy Policy

  LoanDelta.com provides one or more "g+" buttons that facilitates the ability of users to share the site's home url, a "Save URL", or other information about the site on Google g+. LoanDelta.com loads one or more scripts, iframes, and/or images from Google's servers in order to provide this capability. LoanDelta.com has no control over the content, execution, or use of cookies or other user data by these scripts and iframes.

The owners of the LoanDelta.com website will cooperative fully with legal authorities when required to do so by law or whenever we deem it morally right or in our best interest to do so. This cooperation with legal authorities could expose all user data we collect to authorities.

The owners of the LoanDelta.com website may decide to sell the website at anytime. Users should be aware of the possibility of a change in ownership and the implications that may have for site accessibility and corresponding changes new owners may choose to make to this privacy policy or the terms of use.