Information processed in the current build
Northlight Mortgage Guide is designed to provide educational mortgage content and browser-based planning tools. When you use the calculator, values such as home price, down payment, loan program, interest rate, taxes, insurance, HOA dues, ZIP code, transaction type, occupancy, property type, and credit band are processed in your browser to generate estimates. Those values are not treated as a completed loan application in the current build.
When you use the scenario handoff into the rates and offers page, selected planning data may be stored temporarily in browser session storage or passed in the URL to help populate the comparison shell. This is a convenience feature for navigation inside the site. It is not the same as submitting information to a lender.
Server logs and technical information
Like most websites, the hosting environment may record standard technical information such as IP address, browser type, operating system, referring page, request time, and requested URL. Website operators commonly use those records for security, uptime monitoring, troubleshooting, fraud prevention, and performance analysis.
If the site later enables analytics platforms, those services may collect information about page views, browser and device types, referral sources, on-site actions, and similar engagement data. If analytics are activated in a meaningful way, this page should be updated to identify the tools in use and the purposes they serve.
Cookies, browser storage, affiliate tracking, and advertising
The current build may use limited browser storage for functional site behavior, including carrying a calculator scenario into the offers page. The site is being prepared for future advertising, affiliate links, sponsored placements, or lender marketplace integrations, but those monetization features are not fully active in this build.
If advertising or affiliate features are activated later, cookies or similar technologies may be used to measure page visits, attribute clicks, remember preferences, support reporting, or serve ads. Third-party vendors, including advertising platforms and affiliate or marketplace partners, may use their own technologies and privacy practices when those services go live. This page should be revised before those features are materially expanded.
How information may be used
Information processed through the website may be used to operate, maintain, secure, improve, and troubleshoot the site; generate calculator results; populate the offers shell with the user’s own planning assumptions; understand page performance; detect abuse; comply with legal obligations; and support future editorial, advertising, affiliate, or marketplace operations.
The site is not intended to sell your calculator inputs as part of its ordinary educational use in the current build. If the business model changes to include direct lead capture, lender submission flows, or materially expanded partner sharing, that change should be described clearly in this policy before it becomes active.
Policy updates
Because websites evolve, this policy may be updated from time to time to reflect changes in features, legal requirements, analytics tools, advertising platforms, affiliate relationships, consent tooling, or lender marketplace integrations. The revised version will apply once posted on this page.
The goal is simple: the privacy page should match how the site actually behaves, not how the site behaved in some earlier build or how it might behave in a future sketch.