Mortgage Refinance Legal & Policy Center

AltFTool Mortgage Refinance operates as an educational discovery and rate comparison tool. We collect only minimal parameters to deliver personalized refinance calculations:

• Loan & Property Figures: Estimated mortgage balance, current interest rate, estimated home market value, property ZIP code, and primary refinancing goal (lower monthly payment, shorter loan term, lower interest rate, or cash-out equity).
• Contact Details (Optional): Email address when you explicitly request a saved rate breakdown or corner rate-drop alerts.
• Telemetry & Diagnostics: Anonymized interaction logs, browser headers, and performance timings to ensure rapid calculator response times.

Your property figures are processed strictly for mathematical modeling and presenting side-by-side refinance scenarios:

• To calculate monthly amortization changes, potential monthly and annual savings, and estimated break-even timelines.
• To compute loan-to-value (LTV) ratios and equity availability.
• To deliver rate alerts if and when requested by you.

Using the AltFTool Mortgage Refinance calculator, goals selector, and scenario comparison tools uses no hard credit pull.

If you choose to submit a formal refinance application directly to a participating lender, that lender will conduct standard credit underwriting with your explicit authorization.

When you submit your email for refinance rate updates:

• We only send relevant market rate updates, educational mortgage guides, and requested estimates.
• We never sell or rent your contact details to third-party telemarketing firms.
• Every email contains an immediate 1-click unsubscribe link.

Under state and federal privacy statutes, you retain full ownership of your data:

• Right to Know: Request a full copy of data retained during your session.
• Right to Delete: Request permanent removal of all submitted email inquiries.
• Right to Opt-Out: Manage cookie preferences or opt out of telemetry.

Session records are stored only as long as necessary to complete your calculation or fulfill statutory record-keeping requirements. For privacy inquiries, contact our Data Protection Team at privacy@altftools.com.