At MortgageCompass, we respect your privacy. This Privacy Policy explains what personal data we collect when you visit mortgagecompass.net (the “Website”), how we use it, who we share it with and what rights you have.
We have written this policy to comply with the EU General Data Protection Regulation (GDPR), Spanish Organic Law 3/2018 (LOPDGDD) and, where applicable, the privacy laws of the other countries our readers live in.
1. Who Is Responsible for Your Data
The data controller responsible for your personal data is:
- Email: contact@mortgagecompass.net
You can contact us at the email above with any question about this policy or your personal data.
2. What Data We Collect
We only collect the data we need. MortgageCompass does not ask you for financial information, and we do not collect loan applications.
Data you give us
- When you contact us by email or through our contact form: your name, email address and the content of your message.
- When you leave a comment (if comments are enabled): your name, email address, website (optional), comment and IP address.
Data collected automatically
- Technical data: IP address, browser type, device type, operating system, pages visited, date and time of visit and referring website. This is recorded in server logs by our hosting provider for security and technical purposes.
- Cookies and similar technologies: used for analytics and advertising, only with your consent where the law requires it. See our Cookie Policy for details.
Calculators
Our calculators run entirely in your browser. The numbers you type into them are not sent to us or stored on our servers.
3. Why We Use Your Data and Our Legal Basis
| Purpose | Data used | Legal basis (GDPR) |
|---|---|---|
| Answering your messages and requests | Name, email, message | Your consent and our legitimate interest in responding (Art. 6.1.a and 6.1.f) |
| Publishing and moderating comments | Name, email, comment, IP | Your consent (Art. 6.1.a) |
| Keeping the Website secure and working properly | Technical data, server logs | Legitimate interest (Art. 6.1.f) |
| Measuring how the Website is used (analytics) | Cookies, usage data | Your consent (Art. 6.1.a) |
| Showing advertising, including personalised ads | Cookies, device identifiers, IP | Your consent (Art. 6.1.a); for non personalised ads, legitimate interest where permitted |
| Complying with legal obligations | Any data required by law | Legal obligation (Art. 6.1.c) |
We do not use your data for automated decision making or profiling that produces legal effects for you.
4. Advertising and Google AdSense
MortgageCompass is funded by advertising served by Google AdSense. Google, as a third party vendor, uses cookies to serve ads on our Website. Google’s use of advertising cookies enables it and its partners to serve ads based on your visits to this Website and other websites on the internet.
- If you are in the EEA, the UK or Switzerland, personalised ads are only shown if you give consent through our cookie banner.
- You can opt out of personalised advertising at any time by visiting Google Ads Settings (adssettings.google.com) or www.aboutads.info.
- You can learn how Google uses data from sites that use its services at policies.google.com/technologies/partner-sites.
5. Who We Share Your Data With
We never sell your personal data. We only share it with service providers who help us run the Website, under appropriate contracts:
- Hosting provider: [nombre de tu hosting, por ejemplo “Namecheap, Inc.”], which stores the Website and its server logs.
- Google Ireland Limited and Google LLC: for advertising (AdSense) and analytics (Google Analytics / Site Kit).
- Email provider: [nombre, si usas uno distinto del hosting], to receive and answer your messages.
- Anti spam services: [por ejemplo Akismet, si lo usas en comentarios o formularios].
- Public authorities: only when required by law.
6. International Data Transfers
Some of our providers, such as Google, may process data outside the European Economic Area, including in the United States. When this happens, transfers are protected by appropriate safeguards, such as the EU US Data Privacy Framework, for companies certified under it, or the European Commission’s Standard Contractual Clauses.
7. How Long We Keep Your Data
- Contact messages: for as long as needed to answer you, and no longer than 12 months after our last exchange, unless a longer period is required by law.
- Comments: for as long as the comment is published, or until you ask us to remove it.
- Server logs: for the period set by our hosting provider, usually no longer than a few months.
- Cookies: for the periods listed in our Cookie Policy.
8. Your Rights
If you are in the EEA or the UK, you have the right to:
- Access the personal data we hold about you.
- Rectify inaccurate or incomplete data.
- Erase your data (“right to be forgotten”).
- Restrict the processing of your data.
- Object to processing based on legitimate interest.
- Data portability, receiving your data in a structured, commonly used format.
- Withdraw your consent at any time, without affecting the lawfulness of processing before withdrawal. For cookies, use the “Cookie Settings” link in the footer.
To exercise any of these rights, email us at [contact@mortgagecompass.net]. We may ask you to confirm your identity. We will reply within one month.
If you believe your rights have not been respected, you can file a complaint with the Spanish Data Protection Agency (AEPD) at www.aepd.es, or with the data protection authority in your country, such as the Information Commissioner’s Office (ICO) in the UK.
9. Privacy Rights for Readers in Other Countries
United States: Residents of some US states, such as California, Colorado, Connecticut, Virginia and others, have rights under state privacy laws, including the right to know what personal information is collected, to request its deletion, to correct it and to opt out of the “sale” or “sharing” of personal information for targeted advertising. We do not sell personal information for money. Advertising cookies used by Google may be considered “sharing” under some state laws. You can opt out by rejecting advertising cookies in our cookie settings, by using a browser that sends a Global Privacy Control signal or by visiting adssettings.google.com. To make a request, email us at the address above. We will not discriminate against you for exercising your rights.
Canada and Australia: We handle personal information in line with the principles of Canada’s PIPEDA and the Australian Privacy Principles. You may request access to or correction of your personal information by contacting us.
10. Children’s Privacy
This Website is intended for adults. We do not knowingly collect personal data from anyone under 16. If you believe a child has provided us with personal data, please contact us and we will delete it.
11. Security
We take reasonable technical and organisational measures to protect your data, including an encrypted connection (HTTPS), secure hosting and restricted access to the Website’s administration. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
12. Links to Other Websites
Our Website contains links to third party websites, such as government agencies and lenders. We are not responsible for their privacy practices. Please read their privacy policies before providing any personal information.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The latest version will always be published on this page with the date of the last update. If we make significant changes, we will highlight them on the Website.
14. Contact
For any question about this Privacy Policy or your personal data, contact us at contact@mortgagecompass.net.