Privacy Policy

Last updated: April 16, 2026

1. Data Controller

The data controller responsible for the personal data collected through this website is:

• Contact email: calculadorahipoteca@gmail.com
• Website: https://calculadorahipoteca.es

Data is processed in accordance with Regulation (EU) 2016/679 (GDPR) and the Spanish Organic Law 3/2018 on the Protection of Personal Data and Guarantee of Digital Rights (LOPDGDD).

2. Data We Collect

The mortgage calculator runs all its computations entirely in the user's browser. We do not collect or store any financial data entered into the forms (principal, interest rate, term, etc.). That data never leaves your device.

The following data may be processed through third-party services:

• IP address and technical browsing data (browser, operating system, pages visited) collected in aggregate by hosting and analytics providers.
• Advertising identifiers used by Google AdSense for ad personalisation and measurement (when the service is active).
• Language preference stored locally on your device (localStorage) to remember your choice between visits. This data is not transmitted to our servers.

3. Purposes and Legal Basis

• Displaying the website and ensuring its technical operation: legal basis in our legitimate interest.
• Measuring site usage in aggregate to improve the service: user consent through the cookie notice (where applicable).
• Showing relevant advertising through Google AdSense: user consent in accordance with ePrivacy regulations and the IAB Transparency and Consent Framework (TCF v2.2).

4. Third-Party Recipients

Data may be shared with the following providers, acting as data processors or independent controllers:

• Google Ireland Ltd. (Google AdSense, Google Analytics): personalised advertising and traffic analysis. International transfers are covered by the Standard Contractual Clauses approved by the European Commission.
• Hosting provider: technical storage of the website and server access logs.

We do not share data with any third parties beyond those mentioned above, nor for unsolicited commercial purposes.

5. Cookies

This site uses essential technical cookies required for its operation. With your consent, we may also use analytics and advertising cookies from Google. You can configure or withdraw your consent at any time through the cookie preferences panel or your browser settings.

Google uses the DoubleClick DART cookie to serve ads to users based on their visits to this and other websites. Users may opt out of the DART cookie by visiting the Google Ads Policy.

6. Retention Period

Data is retained only for as long as strictly necessary to fulfil the purpose for which it was collected and, where applicable, for the periods required by law. Server access logs are typically deleted every few months. Data processed by Google is governed by Google's own retention policies.

7. User Rights under the GDPR

As a user you have the right to:

• Access your personal data.
• Request the rectification of inaccurate data.
• Request erasure when the data is no longer necessary for the purpose that justified its collection.
• Object to processing and request its restriction in certain circumstances.
• Request the portability of the data you have provided to us.
• Withdraw your consent at any time.
• Lodge a complaint with the Spanish Data Protection Agency (AEPD) if you believe your rights have been infringed (www.aepd.es).

To exercise these rights, write to calculadorahipoteca@gmail.com specifying the right you wish to exercise and attaching a copy of a document that verifies your identity.

8. Children

This website is not intended for children under 14 years of age. If we become aware that data has been collected from a minor without the consent of their guardian, we will delete it immediately.

9. Changes

We reserve the right to modify this privacy policy to adapt it to legislative changes or to changes in the operation of the website. In such cases, the new date of last update will be indicated at the top of this document.