Current monetization state
No live ads are active in this public release. The application contains no affiliate links, lender-sponsorship placements, paid rankings, lead forms, or monetization integrations. Calculator pages contain a labeled, empty region whose state is disabled. It reserves layout space for testing and does not load an ad network or create an application-level compensation event.
Trust and policy pages do not contain advertising spaces. The inspected code contains no payment, sponsorship, or ranking logic that can influence a formula, example result, source, or explanation. Code review cannot establish whether any off-repository commercial relationship exists; the operator must attest to that fact before this becomes an effective public disclosure.
Required separation before display ads
- Show the complete calculator result before the first ad.
- Label advertising clearly and keep it visually distinct from inputs, outputs, source data, and navigation.
- Reserve dimensions before loading an ad so monetization does not push the result or cause avoidable layout shift.
- Do not send calculator values to an ad network or use them to create targeting audiences.
- Do not imply that an advertiser is a source, reviewer, recommended lender, or part of the calculation.
- Test completion, exits before results, performance, accessibility, and revenue per landing session before adding another placement.
Affiliate, sponsorship, and lender boundaries
Any material connection must be disclosed clearly beside the affected link, placement, comparison, or endorsement—not only in this policy or a footer. Sponsored content must be labeled in ordinary language before a user acts on it.
Mortgage referrals require a separate legal and operational review. Compensation must not secretly determine a “best,” “recommended,” or default lender; a fixed fee is not automatically compliant merely because it is called advertising. Objective ordering criteria, participating-provider limits, and compensation effects must be explained where the comparison appears.
The project will not collect or route borrower profiles, applications, or contact consent until privacy, security, RESPA, Regulation Z, state licensing, telephone and text marketing, vendor, and retention requirements are specifically reviewed and implemented.
Mortgage rate and payment advertising
A market benchmark, user assumption, illustrative example, advertised lender example, and personalized lender offer are different things and must be labeled separately. A user-entered note rate must not be described as APR or as an available offer. If a future advertisement presents specific credit terms, the required rate, APR, payment, period, points, availability, and other disclosures must be clear and conspicuous under the rules that apply to that advertisement.
Primary compliance references
These official sources establish planning constraints; they are not a substitute for counsel reviewing a specific commercial arrangement.
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Advertising FAQs: A guide for small business — Federal Trade Commission
General truth-in-advertising and clear-disclosure expectations.
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The FTC’s Endorsement Guides: What people are asking — Federal Trade Commission
Material-connection and affiliate-disclosure expectations.
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Regulation Z § 1026.24: Advertising — Consumer Financial Protection Bureau
Mortgage advertising requirements when specific credit terms are presented.
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Digital mortgage comparison-shopping platforms and related payments to operators — Consumer Financial Protection Bureau
RESPA risks involving compensation, non-neutral presentation, and steering on mortgage comparison platforms.
Disclosure changes
Before monetization starts, this page will name the compensation models actually used, identify whether compensation affects inclusion or order, and update the privacy notice to match the verified ad and consent configuration. Questions can be sent to [email protected].