piti.com

Privacy Policy

PITI.com, LLC · Effective September 29, 2026

The short version

Piti.com is a free calculator. You can use every tool without creating an account or giving us any personal information. We collect information only when you choose to send it to us, we use it only to do what you asked, and we never sell it.

What we collect, and when

• Email results requests. If you use the "Want these results in your inbox?" box, we receive the email address you enter along with the loan scenario you built (price, down payment, rate, term, loan type, monthly payment, and any property address you typed). We use it to send you your results and to respond if you reply. We do not add you to a marketing list.
• Property addresses. If you use the tax "Look up" feature, the address you enter is sent to our property-data provider (RentCast) to retrieve the county tax record, and a cached copy of the result is kept on our server temporarily so repeat lookups are faster.
• Analytics. We use Google Analytics to understand how the site is used (pages visited, approximate location, device type). Google Analytics sets cookies and receives standard usage data. We see aggregated statistics, not your identity. You can opt out with Google's browser add-on or by blocking analytics cookies in your browser.
• Server logs and rate limits. Like nearly all websites, our server records standard technical logs (IP address, pages requested). We also keep short-lived counters based on a scrambled version of your IP address to prevent abuse of the lookup and email features.
• Agent-branded links. If a real estate agent shares a branded calculator link, the agent's name and contact details are contained in the link itself and displayed on the page. If you contact the agent through the buttons on a branded page, your message goes through your own email app directly to that agent — the agent, not Piti.com, is responsible for how they handle your inquiry.

Cookies

We set no advertising cookies. The cookies on this site come from Google Analytics (usage measurement). Your browser lets you block or delete cookies at any time; the calculator works fine without them.

What we don't do

• We do not sell or rent your information.
• We do not run ads or share your data with advertisers.
• We do not require accounts, and we do not knowingly collect information from children under 18 — this site is for adults researching home financing.

Third-party services

We rely on a small number of providers to run the site: our hosting company, Google Analytics (usage statistics), RentCast (property tax records), and Freddie Mac's published rate data (no personal data involved). Each processes only what is needed for its function.

Your choices and rights

Want to know what we have about you, or want it deleted? Email info@piti.com and we'll take care of it. Depending on your state, you may have specific legal rights to access or delete personal information — we honor reasonable requests from anyone, regardless of where you live.

Changes

If we change this policy, we'll update it here with a new effective date. Questions? info@piti.com.