Privacy Policy
We built IncomeCalculator.com to handle sensitive borrower information responsibly. This policy explains what we collect, how we use it, and the choices you have.
The short version: Documents you upload for an analysis are read once to perform that analysis and then deleted — we do not retain long-term copies of borrower financial documents. We use privacy-friendly, cookieless analytics, and we do not sell your personal information.
This Privacy Policy describes how IncomeCalculator.com (“IncomeCalculator,” “we, ” “us,” or “our”), a service operated by Hancock Processing LLC, collects, uses, discloses, and protects information when you visit our website or use our income-analysis service (the “Service”). By using the Service, you agree to the practices described here.
1. Who this policy applies to
The Service is intended for licensed mortgage professionals and other business users in the United States. It is not directed to consumers seeking a loan, and it is not intended for individuals located outside the United States. Our customers are the loan officers and brokers who hold accounts with us (“Users”).
When a User uploads documents relating to a borrower or applicant, that borrower’s information is “customer data” that the User submits to us and controls. We process it on the User’s behalf to perform the requested analysis. The User is responsible for having the appropriate authority and consent to submit that information to us.
2. Information we collect
Account information
When you create an account or start a trial, we collect information such as your name, email address, and authentication credentials. If you subscribe, our payment processor collects your payment details (see “Payments” below) — we do not store full card numbers on our systems.
Documents and analysis inputs
To perform an income analysis, you may upload documents such as paystubs, W-2s, tax returns, bank statements, and similar financial records, and you may enter figures and details about a borrower’s income scenario. These materials may contain sensitive personal and financial information about third parties (borrowers).
Usage information
We collect limited, aggregate information about how the Service is used — for example, the number of analyses run, loan and calculation types, document counts, processing time, and error events — so we can operate, secure, bill for, and improve the Service.
Technical information & analytics
We use Vercel Web Analytics, a privacy-friendly, cookieless analytics tool. It does not use cookies or persistent identifiers and does not track you across other websites. It collects aggregated, anonymized information such as page views, referrers, device type, and approximate region derived from your IP address, which is not stored. See Vercel’s analytics privacy documentation for details.
3. How we handle your documents (retention & deletion)
We designed the Service to minimize how long sensitive documents persist:
- Read once, then deleted. Uploaded documents are processed to produce your analysis and are then deleted. We do not keep long-term copies of borrower financial documents after the analysis is complete.
- Transient processing. During an analysis, document contents are sent to our processing infrastructure and to our AI model provider solely to extract and calculate income for that request. They are not used to train third-party models.
- What we keep. We retain the resulting analysis record and limited metadata (such as loan type, calculation type, and the figures produced) tied to your account so you have a record of work performed and for audit, support, and billing purposes. You should not rely on the Service as your system of record — retain your own copies as your compliance obligations require.
4. How we use information
- To provide, operate, and secure the Service;
- To perform the income analyses you request;
- To manage your account, process your subscription, and provide support;
- To monitor usage, prevent abuse and fraud, and enforce our Terms of Service;
- To improve the accuracy, reliability, and features of the Service; and
- To comply with legal obligations.
5. How we share information
We do not sell your personal information, and we do not “share” it for cross-context behavioral advertising. We disclose information only to:
- Service providers (sub-processors) who help us run the Service under contractual confidentiality and security obligations — including our cloud and database hosting (e.g., Vercel and Supabase), our AI model provider (Google Cloud / Vertex AI) for processing analysis requests, our payment processor (e.g., Stripe), and our authentication provider;
- Authorities or third parties when required by law, legal process, or to protect the rights, safety, or property of IncomeCalculator, our Users, or others; and
- A successor in connection with a merger, acquisition, financing, or sale of assets, subject to this policy.
6. Payments
Subscription payments are processed by a third-party payment processor (Stripe). When you subscribe, your card and billing details are collected and processed by that provider under its own privacy policy and security standards. We receive limited information such as your subscription status and the last four digits of your card; we do not store complete payment card numbers.
7. Security
We use administrative, technical, and physical safeguards designed to protect information, including encryption in transit, access controls, and reputable infrastructure providers. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential.
8. Your privacy rights
Depending on your state of residence (for example, under the California Consumer Privacy Act and similar state laws), you may have rights to access, correct, or delete personal information we hold about you, to obtain a copy of it, and to be free from discrimination for exercising these rights. Because the Service is offered to business users and processes only limited personal information about account holders, many of these rights are straightforward to honor.
We honor browser-based opt-out preference signals, such as the Global Privacy Control (GPC), where applicable. To exercise any right, contact us at info@brokerbuilders.com. We will verify your request and respond within the timeframe required by applicable law.
If you are a borrower whose information was submitted by a User and you wish to exercise rights regarding that information, please contact the mortgage professional who submitted it; we will assist that User as needed.
9. Cookies and tracking
We use only the cookies and similar technologies that are strictly necessary to operate the Service — for example, to keep you signed in and to keep the Service secure. We do not use advertising cookies or third-party tracking pixels, and our analytics provider is cookieless. Because we do not set non-essential tracking cookies, we do not display an opt-in cookie consent banner.
10. Children’s privacy
The Service is intended for business use by professionals and is not directed to anyone under 18. We do not knowingly collect personal information from children.
11. Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Effective date” above and, where appropriate, provide additional notice. Your continued use of the Service after an update means you accept the revised policy.
12. Contact us
Questions about this policy or our privacy practices? Email info@brokerbuilders.com or use our contact form. IncomeCalculator.com is operated by Hancock Processing LLC.