Last updated May 2025

Mortgage Refinancing Blog (“we,” “us,” or “our”) respects your privacy. This policy explains what data we collect, how we use it, and the limited circumstances in which we share it.

1 – Information we collect

  • Device data: IP address, browser type, referring pages.

  • Usage data: page views, time on site, outbound clicks.

  • Voluntary data: comments or form submissions.

2 – How we use data

  • Deliver, secure and improve site performance

  • Analyse content popularity

  • Send requested emails or replies

3 – Cookies & analytics

We use Google Analytics 4 and ShortPixel. Cookies may store anonymous identifiers. You can disable cookies in your browser without losing core site functionality.

4 – Affiliate disclosure

Outbound links to lenders, brokers or marketplaces may be affiliate links. If you apply through those links, we may receive compensation.

5 – Your choices

  • Opt-out of analytics cookies via your browser or Do Not Track.

  • Email [email protected] to request data deletion.

6 – Contact

[email protected]

Terms of use

Effective date May 2025

  1. No financial advice
    Content is for educational purposes. We are not your financial advisor, broker or attorney. Always consult a licensed professional before making loan decisions.

  2. User responsibility
    You assume all risk for actions taken based on site material. Nightbard LLC is not liable for losses or damages that result.

  3. Intellectual property
    Articles, graphics and logos are © 2025 Nightbard LLC unless otherwise noted. Re-use excerpts of up to 75 words with attribution and link back; anything beyond requires written permission.

  4. Comments policy
    Spam, hate speech or personal attacks will be removed. We reserve the right to block repeat offenders.

  5. Changes
    We may update these terms; continued use after changes means you accept the revised version.