Effective Date: January 2026
Introduction
Welcome to BEONTRACK Mortgage Tool. We are committed to protecting your privacy and being transparent about our data practices. This Privacy Policy explains our approach to data collection and usage for the BEONTRACK Mortgage Tool mobile application (the "App").
Data Collection
The BEONTRACK Mortgage Tool does not collect, store, or transmit any user data.
We believe in privacy by design. Our app operates entirely on your device without any network communication, data collection, or tracking of any kind. We do not:
- Collect personal information
- Track your location
- Access your contacts, photos, or other device data
- Use cookies, analytics, or tracking technologies
- Create user accounts or profiles
- Store any data on external servers
- Share any information with third parties
Local Processing
All mortgage calculations, amortization schedules, and scenario analyses are performed locally on your device. The numbers you enter into the app remain only on your device and are not transmitted to us or any third party. When you close the app, any unsaved data is removed from memory.
No Third-Party Services
The BEONTRACK Mortgage Tool does not integrate with any third-party services, analytics platforms, advertising networks, or external APIs. The app functions completely offline and requires no internet connection to operate.
Data Usage
Since we do not collect any data, there is no data to use, analyze, or process. Your mortgage calculations and financial information remain private and under your complete control.
Security
The most secure data is data that is never collected. By design, the BEONTRACK Mortgage Tool provides inherent privacy and security because all calculations occur on your device and no data ever leaves your device. You do not need to worry about data breaches, unauthorized access, or information leaks because there is simply no data to breach.
Children's Privacy
Our app does not collect any information from anyone, including children under the age of 13. The app is designed for general use by anyone interested in mortgage calculations, and no personal information is required or collected regardless of the user's age.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If our data practices change in the future, we will notify users through an update to this page and the app. The "Effective Date" at the top of this policy indicates when it was last revised.
Contact Us
If you have any questions, concerns, or inquiries about this Privacy Policy or our privacy practices, please contact us at:
BEONTRACK Mortgage Tool is developed by beontrack.ca