Privacy Policy

Information we collect

You can run the calculator without creating an account or providing your name, email address, or phone number. Calculator inputs can include property, rent, financing, tax, insurance, and HOA assumptions.

Calculator arithmetic runs in your browser. We do not include the numeric property, rent, loan, DSCR, or credit-score assumptions in our analytics events. Those details are collected only if you choose to submit a lender-options request.

If you choose to request lender options or a provider introduction, we collect the contact, property, financing, and qualification details you submit. We also keep a record of the consent shown with that request, including its version and submission time.

We and our service providers may automatically collect technical and usage data, such as IP address, browser and device information, pages viewed, interactions, referring page, campaign parameters, and cookie or similar identifiers.

How we use information

• Operate, maintain, secure, and improve the calculator and website.
• Display educational calculations and potentially relevant program information.
• Process an introduction you explicitly request.
• Respond to support, privacy, and partnership inquiries.
• Measure traffic, attribution, and site performance and prevent abuse.
• Comply with applicable obligations and protect our rights and users.

When we share information

Running the calculator does not send your contact information to a lender, broker, lead buyer, or other financing provider.

A lender-options request that does not identify a provider authorizes follow-up by DSCRDealCheck only and is not sent to a lender. If a form identifies a provider and you separately consent to that named provider, we may share the submitted request only with that provider so it can evaluate and respond to your inquiry. We may be compensated for that introduction, referral, or a resulting transaction.

We also use vendors that help us host, secure, analyze, and communicate about the service. They receive information only as needed to perform those functions. We may disclose information when required by law, to protect rights or safety, or as part of a business transaction involving the service.

Cookies and analytics

DSCRDealCheck may use cookies and analytics technologies to understand visits, campaigns, and feature use. You can control cookies through your browser, though blocking them may affect parts of the site.

Google Analytics helps us understand page and feature use. Its events may include broad page context and non-contact scenario fields such as property state or type; we do not intentionally include your name, email address, or phone number in those events.

If you allow advertising measurement cookies, Microsoft Advertising Universal Event Tracking receives a sanitized page path with no URL query parameters, a fixed completed-request event, and the standard technical or cookie identifiers Microsoft uses for advertising measurement. Our UET event does not include names, email addresses, phone numbers, calculator assumptions, or submitted financing details. Microsoft processes that data under its Privacy Statement.

The Microsoft tag loads only after you allow it. If you later decline, we set Microsoft's first-party opt-out cookie, send a denied-consent update to an already loaded tag, and stop queuing conversion events immediately. Code already downloaded in the current page may remain in memory until a full reload; while your choice remains declined, the tag will not load on later page loads.

Retention and security

We retain information only for as long as reasonably needed for the purposes described here, including security, recordkeeping, and applicable obligations. The period varies with the type of information and why it was collected. We use reasonable safeguards, but no online system can guarantee absolute security.

Your choices and privacy requests

You can use the calculator without submitting an introduction request. Depending on where you live, you may have rights to request access, correction, deletion, or other treatment of personal information. To make a request, email ifranco@dscrdealcheck.com. We may need to verify your identity before completing it.

California privacy rights, and whether we sell or share

California residents have rights under the California Consumer Privacy Act as amended by the CPRA, including the right to know what personal information we collect and why, to request correction or deletion, to opt out of the “sale” or “sharing” of personal information as those terms are defined there, and not to be treated differently for exercising any of them.

What happens today. No lender or lead buyer is configured to receive submissions from this site. The consent shown with the lender-options form says so in its own words: your information is not sent to a lender unless you separately consent to a provider identified by name at the time you submit. We do not disclose the contact or financing details you submit to any provider, and we do not exchange them for money.

What would change that. If we introduce you to a provider, the consent you see before submitting will name that provider, and only that provider receives your request. A disclosure of that kind may count as a “sale” or “sharing” under California law even when we receive no payment for it, so we describe it here rather than rely on the fact that it is consented. Adding a second provider requires naming it and collecting your consent again.

How to opt out or make a request. Email ifranco@dscrdealcheck.com with the request you want to make. We may need to verify your identity first, and you may use an authorized agent. We do not currently detect an automated browser opt-out signal such as Global Privacy Control; until we do, email is the way to reach us, and we say so rather than imply coverage we have not built.

Categories we collect. Identifiers such as name, email address, phone number and IP address; commercial and financial information about the transaction you are modeling, including property value, rent, loan amount, the credit-score range you select and the DSCR we compute; internet activity such as pages viewed and the referring page; and inferences limited to whether a scenario meets published program criteria. We do not collect Social Security numbers, account numbers, or a credit report, and we do not pull your credit. We do not knowingly collect information from anyone under 16.

Updates and contact

We may update this policy as the service changes. The effective date above shows the current version. Questions about this policy can be sent to ifranco@dscrdealcheck.com.