Last updated: June 15, 2026
This Privacy Policy explains how ARSIDIAN LLC, a Wyoming limited liability company ("we", "us", "our"), handles information in connection with the website at www.mlcalc.com (the "Site"). By using the Site you agree to this Privacy Policy and to the Site's Terms of Use.
The Site is an informational mortgage and loan calculator. We do not require you to create an account, and the calculators run in your browser — the figures you type into them are not sent to us or stored on our servers.
Information we collect
Information you provide. If you contact us through the feedback form, we collect the information you submit — typically your name, email address and message — so we can read and respond to it. The form is protected against spam by Cloudflare Turnstile.
Information collected automatically. Like most websites, when you visit the Site our hosting provider and our analytics and advertising partners automatically receive certain technical information, which may include your IP address, device and browser type, operating system, referring page, the pages you view, and the date and time of your visit. This information is used in aggregate to understand usage and to serve and measure advertising.
Cookies and similar technologies. The Site and our third-party partners use cookies and similar technologies (such as pixels and local storage) to remember your preferences (for example, your light/dark theme), measure traffic, and deliver and measure ads. Most browsers let you block or delete cookies in their settings; blocking some cookies may affect how the Site works.
How we use information
We use the information described above to:
- operate, maintain and improve the Site and its calculators;
- respond to your messages and requests;
- measure and analyze traffic and usage so we can improve content and performance;
- display and measure advertising that helps keep the Site free; and
- detect, prevent and address spam, fraud, security issues and violations of our Terms of Use, and comply with applicable law.
We do not sell your personal information for money, run sweepstakes, or send marketing newsletters.
Third-party services
We rely on a small number of reputable providers, each of which processes data under its own privacy policy:
- Google Analytics — website analytics. See Google's Privacy Policy and the Google Analytics opt-out browser add-on.
- Google AdSense — advertising. Google and its partners use cookies to serve ads based on your prior visits to this and other websites. You can control personalized advertising in your Google Ads Settings and opt out of third-party vendors at aboutads.info/choices and, in Europe, youronlinechoices.eu.
- Cloudflare — hosting, content delivery and the Turnstile anti-spam check on our feedback form. See Cloudflare's Privacy Policy.
How we share information
We do not sell your personal information. We may share it only:
- with the service providers listed above, who process it on our behalf;
- when required by law, legal process, or a valid government request, or to protect the rights, property or safety of users, the public or us; and
- in connection with a merger, acquisition, financing or sale of assets, in which case any personal information would remain subject to a policy consistent with this one.
Your privacy rights
EEA/UK (GDPR). If you are in the European Economic Area or the United Kingdom, you have the right to access, correct, delete, restrict or object to our processing of your personal data, to data portability, and to withdraw consent. Our legal bases are your consent (for advertising and non-essential cookies), our legitimate interests (in operating, securing and improving the Site), and compliance with legal obligations. You may also lodge a complaint with your local data protection authority.
California (CCPA/CPRA). If you are a California resident, you have the right to know what personal information we collect, to request access to or deletion or correction of it, and to opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising. We do not sell personal information for money, but our use of advertising cookies may be considered "sharing" under California law. To opt out, use the advertising opt-out links above or enable a Global Privacy Control (GPC) signal in your browser. We will not discriminate against you for exercising these rights.
To exercise any of these rights, contact us. We may need to verify your request before acting on it.
Data retention
We keep feedback messages only as long as needed to handle your inquiry and our records. Analytics and advertising data are retained according to our partners' standard retention periods.
International transfers
We are based in the United States, and our providers may process data in the United States and other countries. Where required, transfers rely on appropriate safeguards such as the providers' standard contractual clauses.
Children's privacy
The Site is intended for adults and is not directed to children. We do not knowingly collect personal information from children under 16. If you believe a child has provided us personal information, please contact us and we will delete it.
Security
We use industry-standard measures, including HTTPS encryption in transit, to protect information. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
Links to other websites
The Site contains links to third-party websites, including advertisers. We are not responsible for the privacy practices or content of those sites, and we encourage you to review their privacy policies.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. We will post the updated version here and revise the "Last updated" date above. Your continued use of the Site after changes take effect constitutes acceptance of the updated policy.
Contact us
If you have questions or requests regarding this Privacy Policy or your personal information, please contact ARSIDIAN LLC through our contact form.