BlueSkyFI MBS
Housing decision intelligence
Housing decision intelligence
Last updated: February 27, 2026
BlueSky FI (blueskyfi), operated by Mad Concepts, LLC ("we," "our," or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you use our tools and forecast services. Made with love in New Jersey.
BlueSky FI is not a law firm and does not provide legal advice, legal representation, or legal services of any kind. Any information provided across our calculators, chatbot responses, tools, recommendations, and coach reviews is for educational purposes only.
Calculator Inputs: We collect the financial inputs you enter (for example income, spending, debt, rates, and other forecasting variables) so your experience can stay personalized.
Account Information: If you register, we store your account email and subscription settings (such as forecast email cadence and status).
Usage Analytics: We collect usage data through analytics services to improve tools, features, and reliability.
Cookies and Local Storage: We use cookies and browser local storage to save profile inputs and preferences (such as theme and language) and keep calculators prefilled for returning visits.
Calculations are primarily performed client-side in your browser. Profile inputs are saved in cookies and local storage for continuity. If you are signed in, profile data and selected forecast/subscription records are also synced to our database to support cross-device access and account features.
We implement appropriate technical and organizational measures to protect any data we collect. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Our website is hosted on Vercel. We use analytics services and may integrate with third-party data providers (such as the Federal Reserve FRED API for economic data). We may also provide optional third-party support links (such as Ko-fi tips). These services have their own privacy policies governing their use of data.
Depending on your jurisdiction, you may have rights regarding your personal data, including rights to access, correct, export, or delete data we hold about you. You can clear local profile data by clearing browser cookies/local storage, and registered users can manage account data through account controls. For additional requests, contact us.
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.
If you have questions about this Privacy Policy, please contact us at privacy@blueskyfi.org.