1. Overview & Commitment to Privacy
At DSCR Analytics (accessible via netdscr.com), we recognize that real estate financial information is sensitive and confidential. This Privacy Policy outlines the types of data that are collected, received, or processed when you visit our website, as well as how that data is handled and protected.
We believe in strict data minimization. If you have additional questions or require further information regarding our privacy practices, please contact us using the information provided below.
2. Client-Side Financial Calculations (No Personal Financial Storage)
DSCR Analytics operates strictly as an in-browser, client-side financial computation tool. When you input commercial property figures—such as gross rental income, operating expenses, loan principal amounts, interest rates, amortization terms, or target coverage ratios:
- Zero Remote Transmission: All calculations (including Net Operating Income, Debt Service Coverage Ratio, periodic mortgage payments, and maximum loan sizing) are performed locally on your device via client-side JavaScript. Your property inputs and financing scenarios are never sent over the Internet to our servers, third-party databases, or external APIs.
- Zero Financial Retention: We do not log, harvest, retain, or share your financial data or loan modeling results. When you navigate away from or refresh your browser tab, all calculated values and form inputs are cleared from local memory.
- No Registration Required: The calculator is open and accessible without requiring user sign-in, account creation, or submission of contact credentials.
3. Google AdSense & Third-Party Advertising Disclosures
We partner with Google AdSense to serve programmatic advertising on our website. To comply with Google's publisher policies and privacy frameworks, please review the following required advertising disclosures:
- Third-Party Vendors & Cookies: Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites on the Internet.
- Personalized Advertising: Google's use of advertising cookies enables it and its partners to serve ads to users based on their visits to NetDSCR and/or other sites across the Internet.
- Opting Out via Google Ads Settings: Users may opt out of personalized advertising by visiting Google Ads Settings (https://adssettings.google.com).
- Opting Out via Industry Self-Regulation: Alternatively, users can opt out of a third-party vendor's use of cookies for personalized advertising by visiting the Network Advertising Initiative opt-out page at optout.networkadvertising.org or the Digital Advertising Alliance Consumer Choice tool at aboutads.info/choices.
These third-party ad networks employ automated technologies (including cookies, JavaScript, and Web Beacons) in their respective advertisements displayed on DSCR Analytics. These ad partners automatically receive your IP address when ad impressions occur. These technologies help advertisers evaluate advertising performance and personalize ad content.
Note: DSCR Analytics has no direct access to or control over cookies placed by third-party advertisers.
4. Server Log Files
Consistent with standard hosting protocols, our web servers automatically maintain routine log files. These logs record standard, non-personally identifiable technical connection data, including:
- Internet Protocol (IP) address
- Browser user-agent and operating system
- Internet Service Provider (ISP)
- Date, time, and duration of requests
- Referring and exit URL pathways
- HTTP response status codes
This technical log data is analyzed purely in aggregate for server maintenance, infrastructure scaling, network security, and anti-abuse defense. It is not connected to any individual personal identity.
5. Cookies & Local Storage
DSCR Analytics does not utilize first-party tracking cookies or behavioral tracking beacons. However, third-party infrastructure components (such as content delivery networks and Google AdSense) may set cookies necessary for ad distribution and network caching.
Users may modify their browser preferences at any time to reject cookies or notify them when a cookie is issued. For guidance on managing cookie preferences, consult the help documentation for your specific browser (e.g., Google Chrome, Mozilla Firefox, Safari, Microsoft Edge).
6. External Links & Tools
Our pages may contain links to external tools and websites (such as our companion tool runwaysnap.com or public real estate references). When clicking an external link, you leave netdscr.com and become subject to the respective external site's privacy terms and practices. We advise reviewing the privacy policies of any linked websites you choose to visit.
7. Children's Online Privacy Protection Act (COPPA)
DSCR Analytics is a professional real estate and financial underwriting tool intended for adults, property investors, and mortgage industry professionals. We do not knowingly collect any personally identifiable information from individuals under the age of 13. If you believe that a minor has provided personal details on our site, please contact us promptly so that we can take appropriate remedial action.
8. Policy Updates
We may update this Privacy Policy periodically to reflect changes in regulatory standards, publisher requirements, or website enhancements. Any modifications will be reflected on this page with an updated revision date.
9. Contact & Privacy Inquiries
If you have questions or concerns regarding this Privacy Policy or our client-side privacy architecture, please contact our team: