Privacy Policy / 隐私政策
Last updated: July 12, 2026 / 最后更新：2026年7月12日
This Privacy Policy describes how Mortgage Calculator ("we," "us," or "our") handles information when you use our website at heils.top (the "Service").
本隐私政策描述了房贷计算器（"我们"）在您使用 heils.top 网站时如何处理信息。
1. Information We Collect / 我们收集的信息
Calculator Inputs: All calculations are performed locally in your browser. We do not collect, store, or transmit any data you enter into the calculator (loan amounts, interest rates, etc.).
计算器输入：所有计算均在您的浏览器本地完成。我们不收集、存储或传输您输入到计算器中的任何数据（贷款金额、利率等）。
Technical Data: We may automatically collect certain technical information, including your browser type, device type, and general geographic location (country/region level).
技术数据：我们可能会自动收集某些技术信息，包括浏览器类型、设备类型和大致地理位置（国家/地区级别）。
2. Cookies / Cookie 政策
We use cookies and similar technologies for the following purposes:
我们出于以下目的使用 Cookie 和类似技术：
- Essential cookies: To remember your language preference / 记住您的语言偏好
- Analytics cookies: To understand how visitors use our site / 了解访客如何使用我们的网站
- Advertising cookies: To serve relevant ads (see Google AdSense section below) / 投放相关广告（参见下方 Google AdSense 部分）
3. Google AdSense / Google AdSense 广告
We use Google AdSense to display advertisements on this website. Google, as a third-party vendor, uses cookies to serve ads based on your prior visits to this and other websites.
我们使用 Google AdSense 在本网站展示广告。Google 作为第三方供应商，使用 Cookie 根据您之前访问本网站和其他网站的记录来投放广告。
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the Internet.
Google 使用广告 Cookie 使其及其合作伙伴能够根据您访问我们网站和/或互联网上其他网站的记录为您投放广告。
You may opt out of personalized advertising by visiting:
您可以访问以下链接选择停用个性化广告：
- Google Ads Settings / Google 广告设置
Third-party vendors, including Google, use cookies to serve ads based on a user's previous visits to this website. Google's use of advertising cookies allows it and its partners to serve ads to your users based on their visit to your sites or other sites on the Internet.
包括 Google 在内的第三方供应商使用 Cookie 根据用户之前对本网站的访问来投放广告。Google 使用广告 Cookie 使其及其合作伙伴能够根据用户对您网站或互联网上其他网站的访问为其投放广告。
Users can disable personalized advertising by visiting Google Ads Settings. For more information about how Google uses data, visit Google's Advertising Policies.
用户可以访问 Google 广告设置 停用个性化广告。有关 Google 如何使用数据的更多信息，请访问 Google 广告政策。
4. Data Storage / 数据存储
This website does not require user registration. We do not maintain user accounts or store personal data on our servers. Your language preference is stored locally in your browser's localStorage.
本网站不需要用户注册。我们不维护用户账户或在服务器上存储个人数据。您的语言偏好存储在浏览器的 localStorage 中。
5. Third-Party Services / 第三方服务
We use the following third-party services:
我们使用以下第三方服务：
- Google AdSense: For displaying advertisements / 用于展示广告
- Cloudflare: For website security and performance / 用于网站安全和性能优化
These services may collect information as described in their respective privacy policies.
这些服务可能会按照其各自的隐私政策收集信息。
6. Children's Privacy / 儿童隐私
Our service is not directed to children under 13. We do not knowingly collect personal information from children under 13.
我们的服务不针对 13 岁以下的儿童。我们不会有意收集 13 岁以下儿童的个人信息。
7. Your Rights / 您的权利
Depending on your location, you may have the right to:
根据您所在的地区，您可能有权：
- Access the personal data we hold about you / 访问我们持有的关于您的个人数据
- Request deletion of your personal data / 请求删除您的个人数据
- Object to processing of your personal data / 反对处理您的个人数据
To exercise these rights, contact us at privacy@heils.top.
要行使这些权利，请联系 privacy@heils.top。
8. Changes to This Policy / 政策变更
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
我们可能会不时更新本隐私政策。我们将通过在此页面上发布新的隐私政策并更新"最后更新"日期来通知您任何变更。
9. Contact Us / 联系我们
If you have any questions about this Privacy Policy, please contact us at privacy@heils.top.
如果您对本隐私政策有任何疑问，请联系 privacy@heils.top。
10. Data Security / 数据安全
We take reasonable measures to protect the information collected through our website. While we do not store your calculation data (as all calculations are performed locally in your browser), we do collect anonymous analytics data through Google Analytics and serve advertisements through Google AdSense. These third-party services have their own security measures in place.
我们采取合理措施保护通过网站收集的信息。虽然我们不存储您的计算数据（因为所有计算均在浏览器本地完成），但我们确实通过 Google Analytics 收集匿名分析数据，并通过 Google AdSense 投放广告。这些第三方服务有其各自的安全措施。
Our website is protected by Cloudflare, which provides DDoS protection, SSL encryption, and web application firewall services. This helps ensure that your connection to our website is secure and that malicious traffic is filtered before reaching our servers.
我们的网站受 Cloudflare 保护，提供 DDoS 防护、SSL 加密和 Web 应用防火墙服务。这有助于确保您与我们网站的连接安全，并在恶意流量到达我们的服务器之前进行过滤。
However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. We recommend that you use strong passwords, keep your browser updated, and use reputable antivirus software.
然而，没有任何互联网传输方法或电子存储方法是 100% 安全的。虽然我们努力使用商业上可接受的方式保护您的个人信息，但我们无法保证其绝对安全。我们建议您使用强密码、保持浏览器更新，并使用信誉良好的防病毒软件。
11. GDPR Compliance / GDPR 合规
If you are located in the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR). These rights include:
如果您位于欧洲经济区（EEA），您根据《通用数据保护条例》（GDPR）享有某些数据保护权利。这些权利包括：
- Right of Access / 访问权: You can request a copy of the personal data we hold about you / 您可以索取我们持有的关于您的个人数据副本
- Right to Rectification / 更正权: You can request that we correct any inaccurate or incomplete personal data / 您可以要求我们更正任何不准确或不完整的个人数据
- Right to Erasure / 删除权: You can request that we delete your personal data, subject to certain legal exceptions / 您可以要求我们删除您的个人数据，但须受某些法律例外情况的限制
- Right to Restrict Processing / 限制处理权: You can request that we restrict the processing of your personal data under certain conditions / 在某些条件下，您可以要求我们限制对您个人数据的处理
- Right to Data Portability / 数据可携带权: You can request a copy of your personal data in a structured, machine-readable format / 您可以以结构化、机器可读的格式索取个人数据副本
- Right to Object / 反对权: You can object to our processing of your personal data based on legitimate interests / 您可以基于合法权益反对我们处理您的个人数据
To exercise any of these rights, please contact us at privacy@heils.top. We will respond to your request within 30 days.
要行使上述任何权利，请联系 privacy@heils.top。我们将在 30 天内回复您的请求。
12. CCPA Compliance / CCPA 合规
If you are a resident of California, you have certain rights under the California Consumer Privacy Act (CCPA). These rights include the right to know what personal information is collected about you, the right to delete your personal information, the right to opt out of the sale of your personal information, and the right to non-discrimination for exercising your privacy rights.
如果您是加利福尼亚州居民，您根据《加州消费者隐私法》（CCPA）享有某些权利。这些权利包括了解收集了哪些关于您的个人信息、删除您的个人信息的权利、选择不出售个人信息的权利，以及因行使隐私权利而不受歧视的权利。
We do not sell personal information to third parties. To exercise your CCPA rights, please contact us at privacy@heils.top.
我们不会将个人信息出售给第三方。要行使您的 CCPA 权利，请联系 privacy@heils.top。
13. Cookie Management / Cookie 管理
You can control and manage cookies in several ways. Most web browsers allow you to accept or decline cookies through their settings. You can also delete cookies that have already been set. Here is how to manage cookies in popular browsers:
您可以通过多种方式控制和管理 Cookie。大多数网络浏览器允许您通过设置接受或拒绝 Cookie。您还可以删除已设置的 Cookie。以下是在常用浏览器中管理 Cookie 的方法：
- Chrome: Settings > Privacy and security > Cookies and other site data / 设置 > 隐私和安全 > Cookie 及其他网站数据
- Firefox: Settings > Privacy & Security > Cookies and Site Data / 设置 > 隐私与安全 > Cookie 和网站数据
- Safari: Preferences > Privacy > Cookies and website data / 偏好设置 > 隐私 > Cookie 和网站数据
- Edge: Settings > Cookies and site permissions / 设置 > Cookie 和网站权限
Please note that disabling cookies may affect the functionality of our website, such as remembering your language preference. Disabling advertising cookies will not affect the calculator's core functionality.
请注意，禁用 Cookie 可能会影响我们网站的功能，例如记住您的语言偏好。禁用广告 Cookie 不会影响计算器的核心功能。
14. Data Retention / 数据保留
Since our mortgage calculator does not require registration and all calculations are performed locally in your browser, we do not retain any calculation data. Anonymous analytics data collected through Google Analytics is retained according to Google's data retention policies, which typically range from 14 to 50 months depending on the configuration.
由于我们的房贷计算器不需要注册，且所有计算均在浏览器本地完成，我们不保留任何计算数据。通过 Google Analytics 收集的匿名分析数据根据 Google 的数据保留政策进行保留，通常为 14 至 50 个月，具体取决于配置。
If you contact us via email, we will retain your communication records for as long as necessary to provide you with support and to respond to your inquiries. You may request deletion of your email communications at any time.
如果您通过电子邮件联系我们，我们将在必要的时间内保留您的通信记录，以提供支持并回复您的咨询。您可以随时请求删除您的电子邮件通信记录。
15. International Data Transfers / 国际数据传输
Your information may be transferred to and processed in countries other than your country of residence. By using our website, you consent to the transfer of your information to these countries. We rely on standard contractual clauses and other legal mechanisms to ensure appropriate safeguards for international data transfers.
您的信息可能被传输到您居住国以外的国家并进行处理。使用我们的网站即表示您同意将您的信息传输到这些国家。我们依靠标准合同条款和其他法律机制来确保国际数据传输得到适当的保护。