What information does Finora Hubs collect?

Finora Hubs may collect information you voluntarily provide, including but not limited to calculator inputs, email addresses if you contact us, and browser metadata such as IP addresses, browser type, and referring pages. We do not collect sensitive financial data such as Social Security numbers or bank account information through our calculators.

How does Finora Hubs use cookies?

We use essential cookies to maintain basic site functionality and preference storage. Additionally, third-party advertising partners including Google may use cookies and similar tracking technologies to deliver interest-based advertising based on your visit activities across this and other websites. You can manage your cookie preferences through your browser settings.

How can I opt out of targeted advertising?

You can opt out of interest-based advertising by visiting the official Google Ad and Content Network Privacy Policy at https://www.google.com/settings/ads or by installing the Google Analytics Opt-out Browser Add-on. You may also manage ad preferences through the Digital Advertising Alliance's opt-out tool at https://www.aboutads.info/choices/

Does Finora Hubs share my data with third parties?

We do not sell, trade, or transfer personally identifiable information to third parties for marketing purposes. However, we may share non-personally identifiable information with analytics partners and advertising networks to improve our services and deliver relevant advertisements. Any third-party partners are contractually required to maintain the confidentiality and security of such information.

How long is my data retained?

Calculator inputs are processed temporarily and are not stored on our servers. Cookie data is retained according to your browser settings and the duration specified by our advertising partners. If you contact us, communications are retained for up to 24 months for customer service purposes.

Privacy Policy | Finora Hubs

Information Collection

When you use Finora Hubs's calculators, you may voluntarily provide certain information. The types of information we may collect include:

Calculator Inputs: Home price, down payment percentage, interest rate, loan term, and other financial figures you enter into our calculators. This data is processed locally in your browser and is not transmitted to our servers except in aggregate anonymized analytics.
Contact Information: If you contact us via email or our contact form, we may collect your email address and the content of your message to respond to your inquiry.
Technical Data: We automatically collect certain information when you visit our site, including your IP address, browser type, operating system, referring URLs, pages viewed, and the date and time of your visit. This data is collected through server logs and analytics tools.

We do not knowingly collect personally identifiable information from children under 13 years of age. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.

Server Logs

Every time you access Finora Hubs, our servers automatically record certain information that your browser sends with each page request. Server log information may include:

The specific web page or resource you requested
The date and time of your request
The HTTP status code returned for your request
The amount of data transmitted to your browser
The referring page that linked you to our site (if applicable)
Your anonymized IP address (last octet removed for privacy)

These logs are used solely for site security monitoring, traffic analysis, and improving user experience. Log data is retained for a maximum of 90 days and is not shared with third parties except as required by law.

Cookie Usage

Cookies are small text files that are stored on your computer or mobile device when you visit a website. Finora Hubs uses the following types of cookies:

Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as page navigation, security, and preference storage. Essential cookies cannot be disabled because without them the website cannot operate.

Analytics Cookies

We use third-party analytics services, including Google Analytics, to understand how visitors interact with our website. These cookies collect information about how visitors use our site, including which pages are most frequently visited, how long users spend on each page, and any error messages encountered. This data helps us improve our website's functionality and user experience.

Advertising Cookies

We use third-party advertising companies, including Google AdSense, to serve ads when you visit our website. These companies may use cookies and similar tracking technologies (such as the DoubleClick DART cookie) to collect information about your visits to this and other websites. This information is used to deliver relevant advertisements that are tailored to your interests based on your prior browsing history.

Specifically, Google uses the DoubleClick DART cookie to serve ads based on your visits to this and other sites on the internet. You may opt out of the use of the DART cookie for interest-based advertising by visiting the official Google Ad and Content Network Privacy Policy page.

Third-Party Disclosure

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties except in the following circumstances:

Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, as long as those parties agree to keep this information confidential.
Analytics Partners: We use third-party analytics tools (such as Google Analytics) that collect, monitor, and analyze website usage data. These partners have their own privacy policies governing how they use your information.
Advertising Partners: We partner with third-party advertising networks, including Google AdSense, to display advertisements on our site. These advertisers may use cookies and tracking technologies to collect information about your activity on our site and other websites to deliver targeted advertising.
Legal Requirements: We may disclose information if required to do so by law, or in good faith belief that such action is necessary to comply with legal obligations, protect our rights, or respond to legal claims.

Opt-Out Procedures

You have several options to control how your information is used for advertising purposes:

Google Analytics Opt-Out

To prevent your data from being collected by Google Analytics, you can install the Google Analytics Opt-out Browser Add-on. This add-on communicates with Google Analytics JavaScript (ga.js) to indicate that information about the visit should not be sent to Google Analytics.

Interest-Based Advertising Opt-Out

To opt out of interest-based advertising from participating third parties, you can visit the following resources:

Google Ads Settings — Manage your Google advertising preferences
Digital Advertising Alliance Consumer Choice Page — Opt out of targeted ads from participating companies
Network Advertising Initiative Opt-Out Page — Control behavioral advertising from member companies

Please note that even if you opt out, you may still receive advertising from us that is not based on your interests. The opt-out mechanisms described above apply only to interest-based advertising from the specific providers they cover.

Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

SSL/TLS encryption for all data transmitted between your browser and our servers
Regular security updates and patch management for our server software
Access controls limiting who can access server infrastructure
Firewall protection and intrusion detection systems
Secure coding practices following OWASP guidelines

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to maintaining appropriate safeguards relative to the sensitivity of the information we handle.

Your Rights Under GDPR and CCPA

For European Union Residents (GDPR): If you are a resident of the European Economic Area, you have the right to access, rectify, erase, restrict processing of, and port your personal data. You also have the right to object to certain processing activities. To exercise these rights, please contact us at the email address provided below.

For California Residents (CCPA): Under the California Consumer Privacy Act, California residents have specific rights regarding their personal information, including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information, but you may still contact us to exercise your other rights.

To exercise any of these rights or to ask questions about our privacy practices, please contact us at support@finorahubs.com.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by posting a prominent notice on our website's homepage and updating the "Last updated" date at the top of this policy. We encourage you to review this Privacy Policy periodically to stay informed about how we protect the information we collect.

Contact Information

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

Email: support@finorahubs.com
Response Time: We aim to respond to all inquiries within 48 business hours