Privacy Policy

1. Introduction

Own It Sooner ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our Service.

2. Information We Collect

Information You Provide

When you use our Service, you may provide:

• Account information (email address) when creating an account
• Mortgage calculation data (loan amounts, interest rates, payment schedules)
• Saved scenario names and configurations

Automatically Collected Information

We may automatically collect:

• Device and browser information
• Usage data and analytics
• IP address and general location

3. How We Use Your Information

We use the information we collect to:

• Provide and maintain the Service
• Save and sync your mortgage scenarios across devices
• Improve and optimise the Service
• Communicate with you about updates or changes
• Detect and prevent fraud or abuse

4. Data Storage and Security

Your data is stored securely using industry-standard encryption and security practices. We use Supabase for authentication and data storage, which provides enterprise-grade security.

Mortgage calculation data you enter is stored locally in your browser unless you choose to create an account and save scenarios to the cloud.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share information only in the following circumstances:

• With service providers who assist in operating our Service (e.g., hosting, analytics)
• When required by law or to protect our legal rights
• In connection with a business transfer or acquisition

6. Cookies and Tracking

We use essential cookies to maintain your session and preferences. We may use analytics tools to understand how users interact with our Service.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Export your data in a portable format
• Withdraw consent for data processing

To exercise these rights, please contact us through our website.

8. Data Retention

We retain your data for as long as your account is active or as needed to provide you with the Service. You can delete your account and associated data at any time.

9. Children's Privacy

Our Service is not intended for children under 18. We do not knowingly collect personal information from children under 18.

10. 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 "Last updated" date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us through our website.