Privacy Policy

1. Introduction

716 Ventures LLC (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we handle information in connection with your use of HowAffordable.com (the “Site”) and its associated financial affordability calculators (the “Services”). Our core principle is user anonymity; we are dedicated to collecting as little information as possible.

2. Information We Do Not Collect

We do not collect, store, transmit, or process any personal financial information you enter into our calculators. This includes your income, debts, down payment, credit score, or any other data point. All calculations are performed locally within your web browser. When you close or refresh the page, the information you entered is permanently gone. We do not require user registration or accounts.

3. Information We Collect Automatically (Log Data)

Like most website operators, we collect information that your browser sends automatically whenever you visit our Site (“Log Data”). This Log Data is non-personally identifying and may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, and the time spent on those pages. This information is used for website administration, security, and to analyze trends to improve the user experience.

4. Cookies and Third-Party Advertising (Google AdSense)

We use “cookies” to collect information and improve our Services. A cookie is a small data file that we transfer to your computer’s hard disk.

Our Cookies: We may use cookies to save your session information for your convenience.

Third-Party Cookies (Google AdSense): We use Google AdSense to display advertisements on our Site. Google, as a third-party vendor, uses cookies (such as the DoubleClick DART cookie) to serve ads based on a user’s prior visits to our Site and other sites on the Internet. This enables Google and its partners to serve ads to our users based on their visit to our Site and/or other sites on the Internet.

5. How We Use Your Information

The limited information we collect (Log Data and cookie information) is used for the following purposes:

• To operate and maintain the Site.
• To improve the user experience and functionality of our Services.
• To monitor the Site for security purposes and to prevent fraud.
• To display relevant advertisements through Google AdSense.

6. Data Security

We take reasonable measures to protect the limited information we collect from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

7. Data Retention

We retain Log Data and cookie-related information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including website administration, security monitoring, and legal compliance. We do not retain any calculator inputs or personal financial data, as these are processed locally in your browser and are not transmitted to our servers.

8. Children’s Privacy

Our Services are not directed to individuals under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information from our files immediately.

9. Your Rights

You have certain rights regarding your information, including:

• Access and Control: Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or to indicate when a cookie is being sent.
• Opting Out of Personalized Advertising: You can opt out of personalized advertising by visiting the ad settings pages of our third-party advertising partners, such as Google.

10. California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the CPRA, provides you with specific rights regarding your personal information.

• a. Right to Know: You have the right to know what personal information we have collected about you, including the categories of personal information, the sources from which it is collected, and the purpose for collecting it.
• b. Right to Delete: You have the right to request the deletion of your personal information, subject to certain exceptions.
• c. Right to Opt-Out of Sale/Sharing: We use third-party advertising services (Google AdSense) that may constitute a “sale” or “sharing” of personal information under the CCPA. You can opt out of this by visiting the Google Ads Settings page or the Network Advertising Initiative opt-out page.
• d. Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
• e. How to Exercise Your Rights: To exercise your Right to Know or Right to Delete, please contact us at 716venturescontact@gmail.com or through the contact information provided in Section 12 below.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Effective Date” at the top. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Information

If you have any questions about this Privacy Policy, please contact us:

716 Ventures LLC
418 Broadway, Suite R
Albany, NY 12207
Email: 716venturescontact@gmail.com

Use of HowAffordable.com is also governed by our Terms of Service.