Privacy Policy

1. Who Is Responsible for Your Data

Orange Fox is the public website name for MortgageCalculatorNetherlands.com. The website is operated for the trade name Mortgage Calculator Netherlands by HJM Bonenkamp T.h.o.d.n. Interhouse Aankoopmakelaars.

• KVK number: 20164404
• VAT/BTW number: NL001701260B86
• Email: devastgoedspecialisten@gmail.com
• Phone: 06 22660328

Dirk-Jan Bonenkamp is the main public person connected to this website. The website provides English-language Dutch mortgage calculator information and a request route for a mortgage/adviser check.

2. Personal Data We Collect

The calculator can be used without sending a form. Values entered into the calculator are processed in your browser to show the estimate and are not submitted to us by the calculator itself.

The mortgage/adviser check form may ask for:

• name;
• email address;
• phone number;
• whether you are buying alone or with a partner;
• gross annual household income range;
• partner income range, if relevant;
• target purchase price or budget range;
• buying timeline;
• employment type;
• debts, student loans, lease obligations or similar context;
• whether the energy label is known;
• what you would like checked;
• optional message text;
• consent confirmation.

The form should not be used to send BSN, identity documents, payslips, bank statements, full mortgage files or other unnecessary sensitive documents.

The website may also process technical data such as IP address, browser data, device data, server logs, security logs, anti-spam or CAPTCHA signals, and basic information needed for website operation.

3. How We Collect Data

We collect data when you submit the Tally form, contact us by email or phone, reply to follow-up communication, or choose to continue a mortgage, valuation, buying or adviser-related conversation after the first request.

If documents are ever needed, they should be requested after direct follow-up. They should not be uploaded or sent through the first website form.

4. Why We Use Personal Data

We use personal data to:

• respond to mortgage/adviser check requests;
• understand the basic budget, income, buying timeline and question behind the request;
• decide what next practical step or referral may be appropriate;
• communicate by email or phone;
• keep records of requests and follow-up;
• protect the website, form and communication channels from misuse;
• comply with legal, tax, administrative or record-keeping duties where relevant;
• improve website operation and publishing decisions where search or technical tools are added.

The website does not sell personal data.

5. Legal Grounds

Depending on the situation, personal data may be processed because it is needed before entering into an agreement, needed to perform an agreement, required by law, based on a legitimate interest, or based on consent.

Examples of legitimate interests include responding to direct requests, handling normal business communication, keeping request records, protecting the website from misuse, and understanding whether website content works for visitors.

6. Tools and Service Providers

The website may involve the following tools or service providers:

• Tally, for the mortgage/adviser check form and submitted form responses;
• WordPress and website hosting providers, for website operation;
• email and phone tools used for follow-up;
• anti-spam, CAPTCHA, security or technical tools used to protect the form or website;
• Google Search Console or similar webmaster tools if configured later for search visibility and technical monitoring.

These providers may process personal data only where needed for website operation, form handling, communication, security, administration, search visibility or follow-up.

7. Sharing Personal Data

Personal data is shared only where needed for the request, follow-up, administration, legal duty, technical operation, or agreed communication route.

Depending on the request, relevant data may be shared with or processed by website, form, hosting, communication, bookkeeping, mortgage, valuation, buying, legal, tax, notarial or technical service providers where necessary.

We do not sell personal data.

8. Email, Phone and Sensitive Information

Email and phone are practical for first follow-up, but they are not a secure document portal. Do not send unnecessary sensitive information. If you are unsure whether a document should be sent, ask first.

The first request should contain only the basic details needed to understand your question. Sensitive documents should only be shared after a direct follow-up request and through an appropriate route.

9. Retention

We keep personal data only as long as needed for the request, follow-up, administration, legal or tax duties, complaint handling, dispute handling, security, or evidence purposes.

If you submit a request but no assignment or further service follows, request data is kept only as long as reasonably needed to handle the request and related follow-up.

10. Security

We use reasonable technical and organizational measures to protect personal data. No online communication method is completely risk-free, so visitors should avoid sending unnecessary sensitive data.

11. Your Privacy Rights

Under the GDPR/AVG, you may have rights relating to your personal data, including access, correction, deletion, restriction of processing, data portability, objection to certain processing, and withdrawal of consent where processing is based on consent.

To use these rights, contact devastgoedspecialisten@gmail.com. We may ask for information needed to identify you and handle the request properly.

12. Complaints

If you have a privacy question or complaint, contact us first at devastgoedspecialisten@gmail.com.

You may also contact the Dutch Data Protection Authority, Autoriteit Persoonsgegevens, if you believe your personal data has not been handled correctly.

13. Cookies

The Cookie Policy explains which cookies and similar technologies may be used on this website.

14. Changes to This Policy

This Privacy Policy may be updated when the website, calculator, form, tools, service providers, services or legal requirements change. The latest version will be published on this page.