Last updated: May 2026
FreeHECMCalculator.com ("we," "our," or "us") is operated by Renee Konstantine, CRMP, NMLS #1360025, C2 Financial Corporation. This Privacy Policy explains how we collect, use, and protect information when you visit this website.
Information We Collect
We collect information in two ways:
- Information you provide voluntarily — When you submit an email address through our newsletter signup or contact forms, we collect your name, email address, and any other information you choose to provide.
- Information collected automatically — When you visit our site, we and our third-party partners (including Google) may automatically collect certain information such as your IP address, browser type, pages visited, and time spent on pages. This is done through cookies and similar tracking technologies.
Calculators Are Anonymous
The calculators on this site — including the Reverse Mortgage & Line of Credit calculator and the Reverse for Purchase calculator — are completely anonymous. We do not collect, store, or transmit any information you enter into any calculator. No name, no email, and no phone number is required or collected when you use any calculator.
How We Use Your Information
- To send you educational content and updates you have requested via our email list
- To respond to inquiries you submit through contact forms
- To improve our website and understand how visitors use our calculators
- To serve relevant advertisements through Google AdSense
Google AdSense & Advertising
This site uses Google AdSense to display advertisements. Google uses cookies to serve ads based on your prior visits to this website and other websites. Third-party vendors, including Google, may use cookies to serve ads based on your prior visits to this site or other sites on the internet.
You may opt out of personalized advertising by visiting Google's Ads Settings. For more information on how Google uses data when you use Google's partners' sites or apps, visit Google's Privacy & Terms. You may also opt out of some third-party vendors' use of cookies for personalized advertising by visiting www.aboutads.info.
Email Communications
If you subscribe to our email list, we use ConvertKit (Kit) to manage and send emails. Your email address is stored securely with Kit and is never sold or shared with third parties for marketing purposes. You may unsubscribe at any time by clicking the unsubscribe link in any email we send.
Cookies
Our site uses cookies to improve your experience and to enable advertising functionality. By using this site, you consent to the use of cookies. You can control cookie settings through your browser preferences, though disabling cookies may affect site functionality.
California Privacy Rights (CCPA / CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) provides you with specific rights regarding your personal information:
- Right to know — You may request information about the categories and specific pieces of personal information we have collected about you in the past 12 months.
- Right to delete — You may request that we delete personal information we have collected about you, subject to certain exceptions.
- Right to correct — You may request that we correct inaccurate personal information we maintain about you.
- Right to opt out of "sale" or "sharing" — We do not sell personal information for monetary value. However, the use of advertising cookies may be considered "sharing" under California law. You may opt out of personalized advertising by adjusting your browser settings or visiting the opt-out links provided in the AdSense section above.
- Right to non-discrimination — We will not discriminate against you for exercising any of these rights.
To exercise any of these rights, contact us at reneek@c2financial.com. We will verify your identity before responding to any request.
International Users
This website is operated from the United States and is intended for users in the United States, primarily California and Washington State. If you access this site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country. By using this site, you consent to such transfer.
Third-Party Links
This site contains links to third-party websites including Calendly, Google, ConvertKit, and others. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before submitting any information.
Data Security
We take reasonable steps to protect information submitted to us. However, no internet transmission is completely secure, and we cannot guarantee the absolute security of information transmitted to or from this site.
Children's Privacy
This site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected such information, we will take steps to delete it.
Changes to This Policy
We may update this Privacy Policy from time to time. The date at the top of this page reflects the most recent update. For material changes that affect how we collect or use your information, we will provide notice on this page and, where appropriate, by email to subscribers of our mailing list. Continued use of the site after changes constitutes acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or wish to exercise any of the rights described above, please contact us at:
Renee Konstantine, CRMP
C2 Financial Corporation
12230 El Camino Real Ste 100, San Diego, CA 92130
reneek@c2financial.com
619.244.7492