How MortgageCompass handles your data
What we collect when you visit mortgagecompass.net, why, who we share it with and the rights you have, including how cookies and Google AdSense work on this site.
- Last updated: November 7, 2026
- Applies to: mortgagecompass.net
- Reading time: 7 min
01Who is responsible
The data controller is the owner of MortgageCompass, an independent website operated from Spain that publishes guides and calculators about mortgages and property in the US, UK, Canada and Australia.
For any question about this policy or your personal data, email contact@mortgagecompass.net.
This policy is written to meet the EU General Data Protection Regulation (GDPR), the UK GDPR, Spanish Organic Law 3/2018 (LOPDGDD) and, where applicable, the privacy laws of the other countries our readers live in.
02What we collect
We are not a lender or broker. MortgageCompass does not take loan applications, run credit checks or ask for financial information, and we do not pass your details to lenders.
Data you give us
- Contact form or email: your name, email address, subject and message.
- Comments: your name, email, optional website, comment and IP address.
Data collected automatically
- Technical data: IP address, browser, device, operating system, pages visited, date and time and referring website, recorded in server logs by our hosting provider for security.
- Cookies and similar technologies: for analytics and advertising, only with your consent where the law requires it. See our Cookie Policy.
Our calculators
Our affordability, repayment and stamp duty calculators run entirely in your browser. The figures you enter are not sent to us or stored anywhere.
03Why we use it and our legal basis
| Purpose | Data | Legal basis (GDPR) |
|---|---|---|
| Answering your messages | Name, email, message | Legitimate interest in replying (Art. 6.1.f) |
| Publishing and moderating comments | Name, email, comment, IP | Consent (Art. 6.1.a) |
| Security and running the Website | Technical data, server logs | Legitimate interest (Art. 6.1.f) |
| Analytics | Cookies, usage data | Consent (Art. 6.1.a) |
| Advertising (Google AdSense) | Cookies, device identifiers, IP | Consent (Art. 6.1.a); limited ads cookies where permitted |
| Legal obligations | Data required by law | Legal obligation (Art. 6.1.c) |
We do not use your data for automated decisions or profiling that produce legal or similarly significant effects for you.
04Advertising and Google AdSense
MortgageCompass is funded by advertising served by Google AdSense, which keeps every guide and calculator free.
- Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this Website or other websites.
- Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this Website and/or other sites on the internet.
- You may opt out of personalized advertising by visiting Google Ads Settings. You can also opt out of some third party vendors’ use of cookies for personalized advertising at www.aboutads.info.
- For more information, see How Google uses information from sites or apps that use its services.
EEA, UK and Switzerland: personalised ads are only shown if you give consent in our cookie banner. If you do not, Google may still show non-personalised ads, which use limited cookies for frequency capping, aggregated reporting and fraud prevention.
Advertisers, including lenders, have no influence over our content, rankings or calculators.
05Analytics
We use Google Analytics, connected through Google Site Kit, to understand which pages are read and how visitors find us. Reports are aggregated and only used with your consent where required. Learn more in Google’s Privacy Policy or opt out with the Google Analytics opt-out add-on.
06Who we share it with
We never sell your personal data. We share it only with providers that help us run the Website, under appropriate contracts:
- Namecheap, Inc.: hosting, server logs and the email messages you send us.
- Google Ireland Limited and Google LLC: advertising (AdSense) and analytics (Google Analytics through Site Kit).
- Public authorities: only when the law requires it.
07International transfers
Some providers, such as Google and Namecheap, may process data outside the European Economic Area, including in the United States. These transfers are protected by safeguards such as the EU-US Data Privacy Framework for certified companies or the European Commission’s Standard Contractual Clauses.
08How long we keep it
- Contact messages: as long as needed to answer you, and no longer than 12 months after our last exchange unless the law requires more.
- Comments: while the comment is published or until you ask us to remove it.
- Server logs: for the period set by our hosting provider, usually a few months.
- Cookies: for the durations listed in our Cookie Policy.
09Your rights in the EEA and UK
You can ask to access, correct or delete your data, restrict processing, object to processing based on legitimate interest, receive a portable copy and withdraw consent at any time. For cookies, use the cookie settings button shown on every page.
Email contact@mortgagecompass.net to exercise your rights. We may ask you to confirm your identity and will reply within one month. You can also complain to Spain’s AEPD, the UK’s ICO or the data protection authority in your country.
10Rights in the US, Canada and Australia
United States
Residents of some states, such as California, Colorado, Connecticut and Virginia, can ask to know, delete or correct their personal information and opt out of its “sale” or “sharing” for targeted advertising. We do not sell personal information for money. Advertising cookies may count as “sharing” under some state laws: you can opt out by rejecting advertising cookies in our cookie settings or through Google Ads Settings. We will not discriminate against you for using these rights.
Canada and Australia
We handle personal information in line with Canada’s PIPEDA and the Australian Privacy Principles. You can ask to access or correct your information, and complain to the Office of the Privacy Commissioner of Canada or the OAIC.
11Children, security and other websites
Children: the Website is intended for adults. We do not knowingly collect data from anyone under 16; if you think a child has sent us data, contact us and we will delete it.
Security: we use HTTPS, secure hosting and restricted access to the Website’s administration. No method of transmission over the internet is completely secure.
Other websites: we link to government agencies, central banks, regulators and lenders. Their privacy practices are their own; read their policies before giving them personal information.
12Changes and contact
We may update this policy when the Website, the services we use or the law change. The latest version is always on this page with its “Last updated” date, and significant changes will be highlighted on the Website. Questions: contact@mortgagecompass.net or our contact page.