Privacy Policy and Terms of Use

- Privacy Policy -

Effective Date: December 8th, 2024

At [Mortgage Broker Name] (“we,” “our,” “us”), we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website [insert URL] (the “Site”). Please read this policy carefully. By using the Site, you consent to the practices described herein.

1. Information We Collect

We collect information to provide you with services and ensure a smooth user experience. The types of information we may collect include:

a. Personal Information You Provide

Full name
Email address
Phone number
Social Security Number (if applicable for mortgage prequalification)
Income, employment, and financial details
Property details for potential mortgage transactions

b. Automatically Collected Information

IP address
Browser type and version
Operating system
Pages visited on our Site and the time spent on them
Referring URL

c. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your browsing experience, analyze Site traffic, and improve functionality. You can adjust your browser settings to refuse cookies; however, this may impact your experience on the Site.

2. How We Use Your Information

We use your information to:

Provide mortgage-related services and respond to inquiries
Verify your identity and assess eligibility for mortgage products
Process applications and manage transactions
Comply with legal obligations and prevent fraud
Improve the functionality and usability of the Site

3. Sharing Your Information

We do not sell your personal information. However, we may share your information with:

Service Providers: Third-party vendors who assist with website operations, data storage, and customer support
Lenders and Financial Institutions: To evaluate and process your mortgage application
Legal and Regulatory Authorities: When required to comply with applicable laws or legal processes

4. Data Security

We implement administrative, technical, and physical safeguards to protect your personal information. While we strive to protect your data, no method of transmission or storage is entirely secure, and we cannot guarantee absolute security.

5. Your Choices

You have the right to:

Access, correct, or delete your personal information
Opt-out of receiving promotional communications by following the “unsubscribe” instructions in our emails
Disable cookies through your browser settings

6. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

7. Children’s Privacy

Our Site is not intended for children under the age of 18, and we do not knowingly collect personal information from minors.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with the “Effective Date” updated accordingly. We encourage you to review this Privacy Policy periodically.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

[Mortgage Broker Name]
[Address]
[Email Address]
[Phone Number]

This Privacy Policy is designed to ensure compliance with applicable data protection laws, including but not limited to the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), as applicable.

- Terms of Service -

Effective Date: December 8th, 2024

Welcome to [Mortgage Broker Name] (“we,” “our,” “us”)! These Terms and Conditions (the “Terms”) govern your access to and use of our website, [insert URL] (the “Site”), and any related services provided by [Mortgage Broker Name]. By using the Site, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site immediately.

1. Acceptance of Terms

By accessing or using the Site, you confirm that you are at least 18 years old and legally capable of entering into contracts. Your continued use of the Site signifies your agreement to these Terms, including any updates we may make.

2. Services Provided

The Site provides information and services related to mortgage products, including loan prequalification, mortgage calculators, and informational resources. While we strive to ensure accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of the information provided.

Note: Use of the Site does not create a fiduciary, client, or professional relationship between you and [Mortgage Broker Name].

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. Specifically, you agree not to:

Use the Site to commit fraud or submit false information.
Access or attempt to access unauthorized areas of the Site.
Interfere with the Site’s functionality or security features.
Use automated systems (e.g., bots, scrapers) to access or collect information from the Site without our prior written consent.

We reserve the right to terminate or restrict your access to the Site at our discretion, without notice, for any violations of these Terms.

4. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of [Mortgage Broker Name] or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view, download, and print content from the Site for personal, non-commercial use only. You may not modify, reproduce, distribute, or create derivative works without our prior written consent.

5. Third-Party Links

The Site may include links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, products, or services of any third-party websites. Accessing these websites is at your own risk.

6. Disclaimers

No Financial Advice: The information provided on the Site is for general informational purposes only and does not constitute financial, legal, or professional advice. Consult a licensed mortgage professional or attorney for advice specific to your circumstances.

No Guarantee of Approval: Submission of information through the Site does not guarantee approval for any mortgage product. All loan approvals are subject to underwriting, credit checks, and lender-specific requirements.

As-Is Basis: The Site is provided “as is” and “as available,” without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

7. Limitation of Liability

To the fullest extent permitted by law, [Mortgage Broker Name] and its affiliates, officers, directors, and employees will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Site or the information provided therein.

8. Indemnification

You agree to indemnify, defend, and hold harmless [Mortgage Broker Name], its affiliates, and its employees from any claims, damages, liabilities, or expenses arising out of your use of the Site or breach of these Terms.

9. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to its conflict of laws principles. Any disputes arising out of or related to these Terms shall be resolved exclusively in the courts located in [Insert County and State].

10. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with the “Effective Date” updated accordingly. Your continued use of the Site after such changes constitutes acceptance of the revised Terms.

11. Contact Us

If you have any questions about these Terms, please contact us at: