Privacy Policy

Last Updated: October 10, 2023

This Privacy Policy outlines our practices regarding the collection, usage, and disclosure of your information when you use our service. It also explains your privacy rights and legal protections.

By using our service, you agree to the collection and utilization of your information as described in this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with capitalized initials have specific meanings as defined below.

Definitions

For the purpose of this Privacy Policy:

• "You" refers to the individual using our service or the legal entity they represent.
• "Company" or "We" pertains to Mortgage Experts, located at 637 3rd Avenue, Suite D, Chula Vista CA 91910
• "Affiliate" denotes an entity under common control with us.
• "Website" means Mortgage Experts' website, accessible at https://www.gomortgageexperts.com
• "Service" encompasses our website and its functionalities.
• "Country" refers to California, United States.
• "Service Provider" indicates any entity processing data on our behalf, including third-party companies or individuals.
• "Personal Data" refers to information related to an identified or identifiable individual.
• For CCPA compliance, "Personal Data" includes any information that identifies, describes, or can be linked to you.
• "Cookies" are small files placed on your device by a website, storing your browsing history.
• "Usage Data" includes data collected automatically, such as IP addresses, browser type, and pages visited.
• "Do Not Track (DNT)" refers to a mechanism promoted by U.S. regulatory authorities to allow users to control online tracking.
• "Business" (CCPA) refers to us as the entity collecting consumers' personal information.
• "Consumer" (CCPA) means a California resident.
• "Sale" (CCPA) covers various actions related to disclosing personal information for monetary or other valuable consideration.

Collecting and Using Your Personal Data

Types of Data Collected

We may request the following personally identifiable information while you use our service:

• Email address
• First and last name
• Phone number
• Address, State, Province, ZIP/Postal code, City

Usage Data

We automatically collect Usage Data, including:

• Device's IP address
• Browser type and version
• Pages visited
• Date and duration of visits
• Unique device identifiers
• Other diagnostic data
• 
  

When accessing our service via mobile, we collect information like your device type, unique ID, mobile OS, mobile browser type, and more.

We also gather information your browser sends during visits to our service.

Tracking Technologies and Cookies

We employ Cookies and similar tracking technologies for various purposes. Cookies can be categorized as "Persistent" (remain after closing your browser) or "Session" (deleted upon browser closure). Our Cookie types include:

• Necessary / Essential Cookies: For basic service functionalities and user authentication.
• Cookies Policy / Notice Acceptance Cookies: Verify users' acceptance of cookies.
• Functionality Cookies: Remember user choices like login details and language preferences.
• Tracking and Performance Cookies: Gather data on website traffic and user behavior, often pseudonymous, to improve the service.

You can modify your browser settings to decline Cookies, but this may limit some service features.

For more on cookies, see our Cookies Policy.

Use of Your Personal Data

We may use your Personal Data for several purposes, including:

• Maintaining and monitoring our service
• Managing your user account
• Fulfilling purchase contracts and other agreements
• Contacting you for updates, notifications, or related purposes
• Providing news, offers, and information on goods or services similar to your interests
• Managing your requests

We may share your information with Service Providers, for business transfers, with Affiliates, business partners, and other users when interacting on our platform.

Retention of Your Personal Data

We retain Personal Data as necessary to comply with legal obligations, resolve disputes, enforce agreements, and for internal analysis. Usage Data is generally retained for a shorter duration, except when used for security, service improvement, or legal requirements.

Transfer of Your Personal Data

Your information may be processed in locations outside your jurisdiction. By using our service and agreeing to this Privacy Policy, you consent to such transfers. We take necessary steps to ensure data security and compliance.

Disclosure of Your Personal Data

We may disclose Personal Data in business transactions, in response to legal requirements, or to protect rights, safety, or prevent wrongdoing.

Security of Your Personal Data

We employ industry-standard measures to safeguard your Personal Data. However, no method of data transmission over the internet is entirely secure. While we strive for security, we cannot guarantee absolute protection.

Detailed Information on Processing Your Personal Data

Service Providers may access your Personal Data for specific tasks and are bound not to misuse or disclose it.

Analytics

We may use third-party Service providers like Google Analytics to monitor and analyze service usage. Google Analytics collects and shares data with its own advertising network.

You can opt out of Google Analytics tracking by installing the opt-out browser add-on.

Email Marketing

We may use your Personal Data to send newsletters and promotional materials. You can opt out of these communications through provided links or by contacting us.

We use Email Marketing Service Providers, like Homebot, for email management.

Behavioral Remarketing

We use remarketing services, including Facebook, Instagram and Youtube, to advertise to users who visited our service. Cookies and similar technologies are used for this purpose.

You can learn more about these services interest-based advertising and opt-out options.

CCPA Privacy

Under CCPA, you have rights to notice, access, opt-out, and deletion of your Personal Data. We do not sell your Personal Data.

For any CCPA-related requests, please email us.

Do Not Sell My Personal Information

While we do not sell your information, our Service Providers may use technology that falls under CCPA's definition of selling.

You can opt out of personalized ads and potential sales by following the instructions on our website or by browser settings.

"Do Not Track" Policy

Our service does not respond to Do Not Track signals. You can adjust your browser settings to signal your preference for tracking.

Children's Privacy

Our service is not intended for children under 13 and does not knowingly collect information from them. For users aged 13-18, we apply restrictions on data collection, use, and storage.

For consent-based processing, parental consent may be required.

Links to Other Websites

Our service may link to third-party websites. We do not control these sites' content or privacy policies. Review the privacy policies of linked sites.

Changes to this Privacy Policy

We may update this Privacy Policy and notify you via email or prominent notice on our service.

Please review this Privacy Policy periodically.

Contact Us

If you have questions about this Privacy Policy, contact us at alberto@gomortgageexperts.com