Privacy Policy

Personal Information You Provide

When you interact with our website, fill out forms, request a quote, or otherwise engage with our services, we may collect the following personal information:

• Full name (first and last)
• Email address
• Phone number (including mobile number)
• Mailing address and property address
• Date of birth
• Social Security Number (for loan applications only, transmitted securely)
• Employment and income information
• Credit history and financial information
• Property details (estimated home value, outstanding mortgage balance, property type)
• Loan preferences and financing needs
• Any other information you voluntarily provide to us

Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

• IP address and approximate geolocation
• Browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookies, pixel tags, and similar tracking identifiers
• Interaction data from advertisements and marketing campaigns

Information from Third Parties

We may receive information about you from third-party sources, including credit bureaus, data providers, lead generation partners, advertising platforms, and public records, to the extent permitted by applicable law.

We use the personal information we collect for the following purposes:

• To process and evaluate your loan or HELOC inquiry and application
• To provide you with personalized rate quotes and financing options
• To communicate with you regarding your inquiry, application status, and account
• To send you SMS/text messages, emails, or other communications you have consented to receive
• To follow up on form submissions and lead inquiries
• To improve our website, services, and user experience
• To comply with applicable laws, regulations, and legal obligations (including federal and state lending regulations)
• To detect, prevent, and address fraud, security issues, and technical problems
• To operate, maintain, and improve our marketing campaigns and advertising effectiveness
• To enforce our terms and conditions and other agreements

We may share your personal information with the following categories of recipients, solely for the purposes described in this Privacy Policy:

• Lending Partners & Financial Institutions: To process your loan or HELOC application, we may share your information with mortgage lenders, banks, and financial service providers.
• Service Providers: We work with trusted third-party vendors who assist with website hosting, data analytics, email and SMS delivery, customer relationship management, payment processing, and IT support. These providers are contractually obligated to protect your information.
• Credit Bureaus & Verification Services: To verify your identity, creditworthiness, and employment/income information as required for lending purposes.
• Legal & Regulatory Authorities: When required by law, subpoena, court order, government investigation, or to protect our legal rights.
• Business Transfers: In connection with a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.

We do not sell your personal information to unaffiliated third parties for their own marketing purposes. We do not share your information with third parties for purposes unrelated to the services described in this policy, except with your explicit consent.

What SMS Messages We Send

If you opt in to receive text messages from MR Mortgage, you may receive messages related to:

• Follow-ups on your loan or HELOC inquiry
• Appointment confirmations and reminders
• Application status updates
• Promotional offers and rate updates (if you have opted in to marketing messages)

Consent & Opt-In

By providing your mobile phone number and checking the SMS consent box on our website forms, you expressly consent to receive recurring text messages from MR Mortgage. Consent is not a condition of purchasing any goods or services. Message and data rates may apply. Message frequency varies.

Opting Out

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. Upon receiving your opt-out request, we will confirm your removal and cease sending further messages. You may also contact us directly to opt out by emailing or calling us using the contact information provided below.

Help

For assistance with our SMS program, reply HELP to any message, or contact us using the information in Section 13 of this policy.

Carriers & Liability

Carriers are not liable for delayed or undelivered messages. Compatible carriers include but are not limited to AT&T, T-Mobile, Verizon, Sprint, and other major U.S. carriers.

We use cookies, pixels, and similar tracking technologies on our website to enhance your experience, analyze site traffic, and support our marketing efforts. These technologies may collect information such as your browsing behavior, device information, and interaction with our advertisements.

You may control cookies through your browser settings. Please note that disabling cookies may limit the functionality of our website. We may also use third-party analytics and advertising tools, including but not limited to Google Analytics, Meta (Facebook) Pixel, and similar platforms, which may collect data subject to their own privacy policies.

We implement administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption of sensitive data in transit and at rest, access controls, firewalls, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it in accordance with applicable law.

Our website may contain links to third-party websites, services, or applications that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete personal information.
• Deletion: Request deletion of your personal information, subject to legal obligations.
• Opt-Out of Marketing: Unsubscribe from marketing emails by clicking the "unsubscribe" link or opt out of SMS by replying STOP.
• Restrict Processing: Request that we limit the processing of your data under certain circumstances.
• Data Portability: Request your data in a structured, commonly used format.

To exercise any of these rights, please contact us using the information provided in Section 13. We will respond to your request within the timeframe required by applicable law.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect, use, disclose, and sell.
• The right to request deletion of your personal information.
• The right to opt out of the sale or sharing of your personal information.
• The right to non-discrimination for exercising your privacy rights.
• The right to correct inaccurate personal information.
• The right to limit the use and disclosure of sensitive personal information.

We do not sell personal information as defined under the CCPA/CPRA. To submit a verifiable consumer request or exercise any of your California privacy rights, please contact us using the information in Section 13.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take immediate steps to delete that information.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where required by law, provide you with additional notice. We encourage you to review this Privacy Policy periodically.