Privacy Policy

Last updated: April 22, 2026

1. Introduction

This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use our website (the “Service”) and tells you about your privacy rights and how the law protects you.

We use your personal data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

Personal Information You Provide

When you interact with our Service — for example, by completing a contact form, requesting a quote, applying for a loan, or signing up for communications — we may collect personally identifiable information, including:

First and last name
Email address
Phone number
Mailing address, city, state, and ZIP/postal code
Property address and property information related to a loan inquiry
Employment and income information (when submitted as part of a loan inquiry or application)
Financial information necessary to evaluate a loan inquiry
Any other information you voluntarily provide

Usage Data

Usage Data is collected automatically when you use the Service. Usage Data may include:

Your device’s Internet Protocol (IP) address
Browser type and version
Pages of our Service that you visit
Time and date of your visit
Time spent on pages
Unique device identifiers
Referring website addresses
Other diagnostic data

When you access the Service through a mobile device, we may automatically collect information including your mobile device type, mobile device unique ID, mobile device IP address, mobile operating system, and type of mobile browser.

3. SMS and Telephone Communications

By providing your phone number and consenting to receive text messages or calls, you agree to the following:

Purpose: We may send SMS messages and place calls to provide account updates, respond to inquiries, share loan process notifications, and send service-related communications. Marketing communications are sent only where you have provided express written consent.
Frequency: Message frequency varies based on your account activity and preferences.
Opt-Out: You may opt out of SMS messages at any time by replying “STOP” to any message or by contacting us directly. You may opt out of marketing calls by asking to be placed on our internal Do Not Call list. Message and data rates may apply.
Consent Is Not a Condition of Service: Your consent to receive marketing communications is not required as a condition of receiving a loan quote, application review, or any other service.
Third-Party Services: We may use third-party service providers to send SMS messages and place calls. These providers are contractually obligated to handle your information in compliance with applicable privacy laws.
Security: SMS and telephone communications are not fully secure forms of communication. Do not transmit sensitive personal information (such as Social Security numbers or financial account numbers) via SMS.

4. Tracking Technologies and Cookies

We use cookies and similar tracking technologies to track activity on our Service and store certain information. Technologies we use may include cookies, web beacons, pixel tags, and scripts.

Types of Cookies We Use

Strictly Necessary Cookies (Session): Essential for the Service to function, authenticate users, and prevent fraudulent use.
Functionality Cookies (Persistent): Remember choices you make, such as language preferences or login details.
Performance and Analytics Cookies (Persistent, Third-Party): Collect information about how users interact with our Service so we can improve it.
Advertising and Targeting Cookies (Persistent, Third-Party): Used to deliver advertisements relevant to you and measure the effectiveness of advertising campaigns.

You can instruct your browser to refuse cookies or to indicate when a cookie is being sent. If you do not accept cookies, some parts of our Service may not function properly.

Global Privacy Control (GPC)

We honor Global Privacy Control signals. If your browser transmits a GPC signal, we treat it as a valid request to opt out of the sale or sharing of your personal information where applicable under state law.

Do Not Track

Our Service does not currently respond to Do Not Track (DNT) browser signals. We do, however, honor GPC signals as described above.

5. How We Use Your Personal Information

We may use your personal information for the following purposes:

To provide, operate, and maintain our Service
To respond to your inquiries and fulfill requests you submit through our Service
To evaluate, process, and service loan inquiries and applications
To communicate with you about your inquiry, application, or loan
To send you news, updates, marketing communications, and information about products and services that may interest you (where permitted by law and your preferences)
To improve our Service, products, and marketing
To detect, prevent, and address fraud, security, and technical issues
To comply with legal obligations, respond to legal process, and enforce our agreements
For any other purpose with your consent

6. Third-Party Services and Tracking Tools

We use third-party services that may collect information about you as part of their operation. The third-party services we may use include:

Google Analytics — Web analytics service that helps us understand how visitors use our Service. Google Analytics may set cookies and collect information such as your IP address, browser type, pages visited, and time spent on the Service. You can learn more about Google’s privacy practices at https://policies.google.com/privacy and opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on at https://tools.google.com/dlpage/gaoptout.
Google Ads — Advertising platform used for conversion tracking, remarketing, and measuring the effectiveness of our advertising campaigns. Google Ads may use cookies and similar technologies to show you ads on our Service and on other websites you visit. You can manage your Google Ads preferences at https://adssettings.google.com/.
Meta (Facebook) Pixel — Analytics and advertising tool provided by Meta Platforms, Inc. The Meta Pixel helps us measure the effectiveness of our advertising on Facebook and Instagram, build audiences for future advertising, and deliver relevant ads to you. Information collected may include your IP address, browser type, pages visited, and actions taken on our Service. Learn more at https://www.facebook.com/privacy/policy/.
Microsoft Advertising (Bing Ads) — Advertising platform used for conversion tracking and remarketing on the Microsoft Search Network. Microsoft may use cookies and the Universal Event Tracking (UET) tag to measure campaign performance. Learn more at https://privacy.microsoft.com/en-us/privacystatement.
Call Tracking Services — We use call tracking services to measure the effectiveness of our marketing and to route incoming calls appropriately. These services may record calls, display dynamic phone numbers based on the source that referred you, and associate call data with your visit to our Service.
Email Marketing and CRM Platforms — We use email marketing and customer relationship management platforms to send communications, manage loan inquiries, and maintain records of our interactions with you.

Each third-party service operates under its own privacy policy. We encourage you to review their policies to understand how they process your information.

You may opt out of interest-based advertising across many networks by visiting the following industry opt-out platforms:

Network Advertising Initiative: http://www.networkadvertising.org/choices/
Digital Advertising Alliance: http://optout.aboutads.info/
European Interactive Digital Advertising Alliance: http://www.youronlinechoices.com/

You may also opt out of personalized advertising on your mobile device by using your device’s privacy settings (“Limit Ad Tracking” on iOS, “Opt Out of Ads Personalization” on Android).

7. How We Share Your Personal Information

We may share your personal information in the following circumstances:

With Service Providers: Third-party vendors that perform services on our behalf, including but not limited to website hosting, cloud storage, data backup, analytics, advertising, email delivery, customer support, CRM and lead management platforms, loan origination systems, document preparation and electronic signature services, identity verification, asset and income verification, credit reporting agencies, and title, escrow, and settlement service providers. These providers are contractually required to protect your information and use it only for the purposes we specify.
With Lenders and Loan Program Partners: When you submit a loan inquiry or application, we may share your information with lenders, investors, and loan program partners to evaluate and fulfill your request.
With Affiliates: We may share information with our affiliates, who are required to honor this Privacy Policy.
For Legal Reasons: We may disclose information when required by law, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, property, or safety or that of others.
In Business Transactions: In connection with a merger, acquisition, financing, reorganization, sale of assets, or bankruptcy.
With Your Consent: For any other purpose disclosed to you at the time of collection or with your consent.

8. Sale of Personal Information

We do not sell your personal information for monetary consideration.

Under certain state privacy laws (including California’s CCPA/CPRA), the term “sale” or “sharing” may be defined broadly to include the disclosure of personal information to third parties for cross-context behavioral advertising, even where no money changes hands. To the extent our use of advertising and analytics cookies constitutes a “sale” or “sharing” under applicable state law, you may opt out as described in Section 11.

9. Retention of Your Personal Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, to comply with our legal, regulatory, tax, accounting, or reporting obligations, to resolve disputes, and to enforce our agreements.

Loan-related records are retained in accordance with applicable federal and state laws governing mortgage lenders and brokers, which may require retention periods of several years after the loan transaction is complete, withdrawn, or denied.

10. Security of Your Personal Information

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

11. Your Privacy Rights

Depending on your state of residence, you may have the following rights regarding your personal information. This section describes rights available to residents of states with comprehensive consumer privacy laws, including California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, Iowa, Indiana, Tennessee, Delaware, New Jersey, New Hampshire, Minnesota, Maryland, and others as such laws come into effect.

Your Rights May Include:

Right to Know / Access: The right to request information about the personal information we collect, use, disclose, and (where applicable) share or sell, and to receive a copy of your personal information.
Right to Delete: The right to request that we delete personal information we have collected from you, subject to certain exceptions.
Right to Correct: The right to request correction of inaccurate personal information.
Right to Opt Out of Sale or Sharing: The right to direct us not to sell or share your personal information for cross-context behavioral advertising.
Right to Limit Use of Sensitive Personal Information: The right to direct us to limit our use of sensitive personal information to purposes necessary to provide the services you requested.
Right to Data Portability: The right to receive your personal information in a portable format.
Right to Non-Discrimination: The right not to receive discriminatory treatment for exercising your privacy rights.
Right to Appeal: In certain states, the right to appeal our decision on a privacy request.

How to Exercise Your Rights

To submit a privacy request, please contact us using the information provided in the Contact Us section of this Privacy Policy.

We will verify your identity before responding to your request, typically by confirming information we already have on file (such as the email address or phone number associated with your inquiry). Only you, or an authorized agent acting on your behalf, may submit a request. For requests submitted by an authorized agent, we may require proof of authorization.

We will respond to verifiable requests within the timeframes required by applicable law (generally 45 days, with a possible extension of an additional 45 days when reasonably necessary, with notice to you).

California-Specific Disclosures

In addition to the rights above, California residents have the following additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA):

Shine the Light (Cal. Civ. Code § 1798.83): California residents with an established business relationship with us may request information once per calendar year about our disclosures of certain personal information to third parties for their direct marketing purposes.
Removal of Content by Minors (Cal. Bus. & Prof. Code § 22581): California residents under 18 who are registered users of the Service may request removal of content they have publicly posted.

Categories of Personal Information Collected (California CCPA/CPRA)

Within the last twelve (12) months, we may have collected the following categories of personal information as defined under the CCPA/CPRA:

Identifiers (e.g., name, postal address, email address, phone number, IP address): Yes
Personal Information under Cal. Civ. Code § 1798.80(e) (e.g., name, address, phone number, financial information): Yes
Protected Classification Characteristics (e.g., age, marital status): No
Commercial Information (e.g., records of products or services considered): Yes
Internet or Network Activity (e.g., browsing history, interaction with Service or advertisements): Yes
Geolocation Data (approximate physical location from IP address): Yes
Professional or Employment-Related Information (e.g., employment history submitted with loan inquiry): Yes
Inferences drawn from the above to create a profile: No
Sensitive Personal Information (e.g., financial account information): Yes

We collect this information from you directly, automatically through your use of the Service, and from third-party service providers.

Personal information subject to the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and similar sector-specific laws is excluded from CCPA/CPRA coverage and is addressed separately in our GLBA Privacy Notice (see Section 13).

12. Cookie Preferences and Opt-Out Options

You can manage your cookie preferences at any time by clicking the “Privacy Preferences” or “Do Not Sell or Share My Personal Information” link in the footer of our Service. You can also manage cookie preferences through your browser settings and opt out of certain advertising cookies through the industry opt-out platforms listed in Section 6.

Please note that opt-out choices may be browser-specific and device-specific. If you clear your cookies, change browsers, or use a different device, you may need to opt out again.

13. Gramm-Leach-Bliley Act (GLBA) Notice

As a mortgage broker, we are a “financial institution” under the Gramm-Leach-Bliley Act and its implementing regulations (Regulation P). GLBA requires us to provide a separate privacy notice — often delivered in the FTC’s “FACTS” model form — describing our practices regarding nonpublic personal information (NPI) of our customers and consumers.

This website Privacy Policy does not substitute for our GLBA Privacy Notice. Our GLBA Privacy Notice is provided to loan applicants and customers at the beginning of the customer relationship and annually thereafter, as required by law. You may request a copy of our current GLBA Privacy Notice by contacting us.

14. Children’s Privacy

Our Service is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without verification of parental consent, we will delete that information.

Under the California Consumer Privacy Act, we do not knowingly sell or share the personal information of consumers under the age of 16 without the affirmative authorization required by law.

If you are a parent or guardian and you believe your child has provided us with personal information, please contact us.

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us using the contact information provided on our website.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new Privacy Policy on this page and updating the “Last updated” date above. Where required by law, we will provide additional notice (such as by email or a prominent notice on our Service). We encourage you to review this Privacy Policy periodically.