PRIVACY POLICY

Last updated: March 2026

1. Introduction

This Privacy Policy describes how Todd Schuchart, Insurance Services ("we," "us," or "our") collects, uses, and protects information when you visit effective.freein15.com (the "Site") and use the Mortgage Reality Calculator and related tools.

2. Information we collect

2a. Information you provide

When you use our calculator, the numbers you enter (home price, down payment, APR, loan term, PMI rate) are processed entirely in your web browser. We do not collect, store, transmit, or have access to the values you enter into the calculator. Your calculator inputs never leave your device.

If you voluntarily submit information through a contact form, booking link, or other form on the Site, we may collect your name, email address, phone number, and any other information you choose to provide.

2b. Information collected automatically

When you visit our Site, we or our third-party service providers may automatically collect certain technical information, including:

IP address

Browser type and version

Device type and operating system

Pages visited, time spent on pages, and referring URL

Cookies and similar tracking technologies (see Cookie Policy below)

This information is collected through standard web analytics tools and is used to understand how visitors use our Site so we can improve it.

3. How we use your information

We use the information we collect for the following purposes:

To respond to your inquiries or requests

To schedule and prepare for strategy sessions you request

To improve our Site, tools, and content

To analyze Site traffic and usage patterns

To comply with legal obligations

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Third-party services

Our Site may use third-party services including but not limited to:

Website hosting and funnel builder platforms

Google Fonts (font delivery)

Chart.js (calculator charting library, loaded from cdnjs.cloudflare.com)

Analytics services

Scheduling and booking tools

These third-party services may collect information as described in their own privacy policies. We encourage you to review the privacy policies of any third-party services you interact with through our Site.

5. Data retention

Calculator inputs are processed in your browser and are not stored by us. Any personal information you provide through forms or communications will be retained only as long as necessary to fulfill the purpose for which it was collected or as required by law.

6. Data security

We implement reasonable administrative, technical, and physical safeguards to protect the information we collect. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Children's privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

8. Your rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to access, correct, delete, or restrict the processing of your data. To exercise any of these rights, please contact us using the information provided below.

9. Changes to this policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes acceptance of the updated policy.

10. Contact

For privacy-related questions or requests, contact us at:

Todd Schuchart | Insurance Services

NPN #19891776

Greer, SC 29650

Contact Us