Privacy Policy

Home Expense Lab (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you visit homeexpenselab.com and use our free financial tools and calculators.

Information We Collect

Information You Provide Directly

We collect information you voluntarily submit, including:

• Email address (when signing up for our newsletter, checklist, or saving calculator results)
• Calculator inputs you enter (debt amounts, home values, utility estimates) — these are processed in your browser and are not stored on our servers unless you explicitly save your results
• Name and message if you contact us via our contact form

Information Collected Automatically

When you visit the site, we may automatically collect:

• Browser type, operating system, and device type
• IP address and approximate geographic location
• Pages visited, time spent, and referring URLs
• Cookies and similar tracking technologies

How We Use Your Information

Purpose	Data Used
Sending you the Home Expense Audit Checklist or other requested content	Email address
Delivering our email newsletter and financial tips	Email address
Improving our calculators and content	Aggregated usage data
Responding to contact form submissions	Name, email, message
Analytics and site performance measurement	Anonymized usage data
Spam prevention and security	IP address, browser data

We do not sell your personal information. We do not use your calculator inputs for advertising targeting.

Third-Party Services

We use the following third-party services that may process your data:

• MailerLite — email list management and newsletter delivery. MailerLite Privacy Policy
• Google Analytics / Site Kit — website traffic analysis. Data is anonymized. Google Privacy Policy
• Google AdSense — display advertising. Google may use cookies to serve relevant ads. Google Privacy Policy
• Gravatar — if you leave a comment, your email hash may be sent to Gravatar to retrieve a profile photo. Automattic Privacy Policy
• Wordfence — security monitoring. May process IP addresses for threat detection.

Cookies

We use cookies to improve your experience. Types of cookies we use:

• Necessary cookies — required for basic site functionality (WordPress login, security)
• Analytics cookies — help us understand how visitors use the site (Google Analytics)
• Advertising cookies — used by Google AdSense to serve relevant ads

You can disable cookies in your browser settings. Note that disabling cookies may affect some site functionality.

Data Retention

We retain your email address for as long as you are subscribed to our list. You may unsubscribe at any time via the link in any email we send. Contact form submissions are retained for up to 12 months. Comments and associated metadata are retained indefinitely for spam prevention.

Your Rights

Depending on your location, you may have rights including:

• The right to access, correct, or delete your personal data
• The right to opt out of marketing emails (unsubscribe link in every email)
• The right to request a copy of data we hold about you
• Rights under GDPR (EU residents) or CCPA (California residents)

To exercise any of these rights, contact us at norrisengineeringsolutions@gmail.com.

Children’s Privacy

Home Expense Lab is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has submitted information to us, please contact us and we will delete it promptly.

Changes to This Policy

We may update this Privacy Policy periodically. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the updated policy.