Privacy Policy

Information the site may process

Hosting providers, browsers, content-delivery services, and basic analytics tools may process standard access data such as IP address, visit time, browser and device type, referring page, pages viewed, and approximate region. This data supports security, troubleshooting, traffic measurement, and site improvements. The site currently has no accounts, comments, mortgage applications, or document uploads.

Optional mortgage-rate alerts

If you opt in to a rate alert in the companion app, the service processes an Expo push token, selected loan type, target rate, language, update time, which alert types you turned on (target rate, big moves, weekly summary, Fed decision days, daily brief), and—after an alert is sent—the notification time and observed rate. A buyer's payment goal is converted to a target rate on the phone; the payment, price, and down payment are never sent. The subscription is stored with Upstash Redis so the scheduled alert service can evaluate the target. Expo processes the push token and notification delivery under its own terms.

Alert records remain until an unsubscribe request deletes the token or the service removes records that are no longer needed. The alert feature does not request a name, Social Security number, income document, bank account, or mortgage application. Disabling an alert in the app sends the deletion request.

Anonymous app usage count

To measure how many people use the companion app each day, it sends at most one anonymous request per day containing only a random install ID generated by the app, the app language, the operating system (iOS or Android), which home-screen mode was chosen (refinance, buying, or just watching), and whether any alert is switched on. The ID is not linked to a name, email, advertising identifier, or loan details, and is not used for advertising or cross-app tracking. The server only adds it to daily aggregate counts (HyperLogLog) in Upstash Redis without storing the ID itself; daily aggregates are kept for about 400 days. Deleting the app removes the install ID from the device.

Rate guesses, widget, and reminders

If you use the app's "Your call" guess, it sends only the market date and whether you picked up or down. The server keeps a running count per date for about 45 days to show how others guessed; nothing in it identifies you or your device, and your streak stays on your phone. The home-screen widget and its background refresh download public rate data from this site; loan details, extra payments, and the monthly payment reminder stay on the phone.

AI-written daily rate explainer

Once each weekday the service sends public market data—national mortgage-rate averages and Treasury yields—to Anthropic's Claude API, which searches news coverage and drafts a short explanation of the move. No information about any visitor, device, alert subscription, or loan is included. The explanation is labeled as AI-written, links its sources, has its figures checked against the published data, and is general information rather than advice. Personal "for you" figures in the app are calculated on the phone.

Google ads, cookies, and similar technologies

Google AdSense is disabled unless the production site explicitly enables advertising after its review and release checks. When AdSense is enabled, Google, advertising partners, and other third parties may place or read cookies in your browser and may use web beacons, IP addresses, or other identifiers to serve, limit, measure, and improve ads. Google and its partners may serve personalized or non-personalized ads.

Readhow Google uses information from partner sitesand manage preferences inGoogle Ads Settings.

Consent choices and browser controls

Before advertising is enabled for visitors in the European Economic Area, United Kingdom, Switzerland, or another region where consent is required, the production site must publish a Google-certified consent message with options to consent, decline, or manage choices. You can also block or delete cookies in your browser. Site content remains readable when cookies are disabled, though advertising or measurement may not work normally.

Sharing, external links, and retention

The site does not sell personal mortgage information and does not request Social Security numbers, income files, or bank details. Hosting, Upstash, Expo, advertising, and analytics providers may process the limited data described above under their own policies. Links to FRED, Freddie Mac, ICE, the Federal Reserve, and other outside sites are governed by those operators. Security logs and aggregate measurements are retained under the normal schedules of the relevant service providers.

Children and policy changes

The site is intended for a general audience researching U.S. mortgage markets, is not directed to children under 13, and does not knowingly collect personal information submitted by children. This page and its update date will change if site features, advertising services, or data practices materially change.