Privacy Policy

Last updated: 9/26/2026

Information We Collect

When you use Tools of the Trade™, we may collect: your name, email address, phone number, property address, property state, your goal (buying, selling, investing, refinancing), timeline, and any scenario data you enter into our calculators or submit to James Papagno for review.

How We Use Your Information

We use your information to: provide calculator results, save and retrieve your scenarios, send scenario summaries to your email, and enable James Papagno to review your scenario and contact you. We may also use aggregated, anonymized data to understand calculator usage patterns and improve the platform.

Data Sharing

When you submit a scenario to James Papagno or use the contact form, your information is shared directly with James Papagno for the purpose of reviewing your scenario and contacting you. We do not sell or share your personal information with third parties for marketing purposes.

Local Storage

We use your browser's local storage to save your user profile and saved scenario references on your device. This data is stored locally and is not transmitted to our servers unless you explicitly submit a scenario form.

Data Retention

Saved scenarios are retained on our servers for as long as your account is active or as needed to provide services. You may request deletion of your data at any time by contacting jpapagno@gmail.com.

Your Rights

You have the right to access, correct, or delete your personal information. You can delete saved scenarios directly within the app. For all other requests, contact jpapagno@gmail.com.

Contact

For privacy questions or requests, contact James Papagno at jpapagno@gmail.com.

Tools of the Trade™

Real Estate Finance • Mortgage Strategy • Private Lending • Investment Analysis

Calculator results are estimates for educational and informational purposes only. They are not financial, legal, tax, or lending advice and do not represent a loan approval or commitment to lend. Actual terms vary based on lender, borrower profile, documentation, market conditions, and underwriting.

© 2026 Tools of the Trade™ by James Papagno. All rights reserved.