Privacy Policy

Using the tools

You can use every calculator and guided path on this website without signing in, applying or providing contact information. The numbers you enter are calculated in your browser and are not stored unless you choose to send a scenario or ask for an emailed copy.

When you contact Athena

If you submit a contact form, a scenario review or a professional enquiry, the information you provide is stored privately so Athena Constantinou can respond. That may include your name, email address, optional phone number, preferred response method, your message, the tool you used and the scenario figures shown to you before submitting. Athena receives an email notification, and you receive a confirmation email.

What is never requested

These forms do not ask for and should not be used to send your Social Insurance Number, banking credentials, government identification, credit reports or financial documents. If a document is needed for a mortgage application, Athena will confirm a secure method separately.

Marketing

Asking for an emailed copy of a scenario does not subscribe you to anything. You will not receive marketing email from this website without giving separate express consent.

Website measurement

This website records first-party usage events, for example that a tool was opened or a scenario review was submitted. These events record the page, the tool involved and the time. They are not sold, and no advertising, remarketing or personalized-ad tracking is used on this website.

Google Analytics 4 is used to understand which pages and tools people find useful, for example that a calculator was started, a result was produced, a summary was downloaded or an enquiry was sent. Google Analytics is loaded only after you choose "Accept analytics" in the notice shown on your first visit, and it sets cookies in your browser. Advertising and personalization signals are switched off.

Measurement events carry only fixed labels such as the page address, the tool name and the type of form. They never carry your name, email address, phone number, message text, income, property value, mortgage amount, debts, credit range or postal code. Google Analytics is not presented as completely anonymous, and it is not required for the website to work: every calculator, guided path and form works the same if you decline. You can change or withdraw your choice at any time using the "Cookie settings" link in the footer. Declining or withdrawing stops further Google Analytics collection, and Google Analytics cookies already set are removed where your browser allows it.

Sign-in, password recovery and the private Lead Dashboard are excluded from Google Analytics. After analytics acceptance, approved campaign labels for source, medium and campaign are kept in this tab's session storage to measure a public resource journey. Other query parameters are not sent to Google, and withdrawing consent removes the stored campaign labels.

Access, correction and removal

To ask what has been stored about you, to correct it, or to have it deleted, email athenac@mtg-broker.com.