Privacy Policy

Last updated: October 2026

This page explains what happens to information when you visit RecastDesk. The short version: our calculators collect nothing, we never ask for loan or identity details, and the only third party materially involved in your visit is the advertising network that funds the site.

1. What the calculators collect

Nothing. Every calculator on this site runs entirely in your browser using plain JavaScript. The numbers you type — balance, interest rate, months remaining, lump sum — are held in the memory of the page you are looking at. They are not written to your device, not sent to us, and not sent to anyone else. Refresh the page and they are gone.

This matters more here than on most sites, so we will be explicit about what we do not ask for: we do not ask for your name, address, email, phone number, date of birth, Social Security number, loan number, account number, property address or credit details. There is no form on this site that submits anything anywhere.

2. Information collected automatically

Like almost every website, the server that delivers these pages keeps standard access logs. Those logs typically include your IP address, the browser and operating system you are using, the time of the request, the page requested and the referring page. This information is used in aggregate to keep the site working and to understand roughly how many people visit. It is not used to identify individuals and is not combined with any other data.

3. Cookies

RecastDesk itself does not set cookies for its articles or calculators. You can read every page and use every calculator with cookies blocked entirely.

Cookies may be set by third parties whose services appear on the site, principally our advertising provider. Details are below.

4. Advertising

RecastDesk is funded by display advertising, served through Google AdSense and its partner networks. We do not sell advertising space directly and we do not run sponsored articles.

Google and its partners use cookies to serve adverts based on your prior visits to this and other websites. Google’s use of advertising cookies enables it and its partners to serve adverts to you based on your visit to this site and other sites on the internet.

Third-party vendors and ad networks may also place and read cookies on your browser, or use web beacons, in the course of serving adverts on this site.

You can opt out of personalised advertising at any time:

• Google’s Ad Settings: adssettings.google.com
• Industry-wide opt-out for participating vendors: www.aboutads.info/choices
• European users: www.youronlinechoices.eu

Opting out does not remove adverts from the site. It means the adverts you see are no longer based on your browsing history.

If you are in the European Economic Area, the United Kingdom or Switzerland, a consent message is shown before any advertising cookie is set, and you may accept or refuse personalised advertising there. Consent is collected through a Google-certified consent management platform operating under the IAB Europe Transparency and Consent Framework (TCF v2.3). Your choice is recorded so that you are not asked again on every visit, and you can change it at any time using the link in the footer of any page.

5. Analytics

We currently use only the server logs described in section 2. If we add a web analytics service in future, this policy will be updated before it goes live, and the service will be configured to anonymise IP addresses where that option is available.

6. What we never do

• We do not sell, rent or share personal information with lenders, brokers or lead-generation networks.
• We do not run quote forms, “check your rate” forms or call-back requests.
• We do not email you, because we never ask for an email address to use the site.
• We do not build profiles of individual readers.

7. Your rights

Depending on where you live, you may have some or all of the following rights over personal data relating to you:

• The right to access the personal data held about you
• The right to have inaccurate data corrected
• The right to have your data deleted
• The right to object to processing, including processing for direct marketing
• The right to restrict how your data is used
• The right to receive your data in a portable format
• The right to withdraw consent at any time, where processing is based on consent

Because we hold virtually no personal data ourselves, most requests of this kind relate to data held by our advertising partners, and those requests are best directed to them. We will help where we can: write to us using the details in section 10 and we will tell you what we hold, which in most cases is nothing.

8. California residents

California law gives residents the right to know what personal information is collected, to request deletion, and to opt out of the sale or sharing of personal information. We do not sell personal information. The sharing that takes place for personalised advertising can be limited using the opt-out links in section 4.

9. Children

RecastDesk is not directed at children under the age of 13, and we do not knowingly collect personal information from them. The subject matter — mortgage servicing — is not aimed at minors. If you believe a child has provided personal information to us, contact us and we will delete it.

10. Contact

Questions about this policy, or requests relating to your data, can be sent to [email protected]. Please put “Privacy” in the subject line.

11. Changes to this policy

If this policy changes in a way that affects what is collected or how it is used, the change will be described here and the date at the top of the page will be updated. Continued use of the site after a change means you accept the revised policy.