Privacy Policy
Mortgage Expert, Inc. Mortgage Corporation (“Mortgage Expert, Inc.,” “we,” “us,” or “our”) is committed to protecting the privacy and security of individuals who access and use this website (“Site”). This Privacy Policy applies only to information collected through this Site and is separate from any privacy notice or policy you may receive before or after a customer relationship is established.
This Privacy Policy explains what information we collect, how it is used, when it may be disclosed, and the choices you have regarding your information.
Information We Collect
When you visit this Site, we automatically collect certain technical information, such as your IP address, browser type, operating system, device identifiers, pages viewed, approximate location based on IP address, and related usage data. This information is generally used in aggregated form for analytics, security, and site improvement.
If you submit information through this Site for the purpose of obtaining mortgage services, we may collect personal and financial information including:
- Name, mailing address, email address, phone number, and other contact details
- Employment history, income, and asset information
- Social Security number and identification information
- Credit information and credit balances
- Property information and property insurance details
- Payment history, account balances, and transactional information
- Information obtained from consumer reporting agencies
How We Use Your Information
Personal and financial information is used fairly and lawfully and only for legitimate business purposes. These purposes may include:
- Responding to your questions or requests
- Evaluating eligibility for mortgage products and services
- Processing and closing mortgage transactions
- Communicating with you about your inquiry, application, or loan
- Providing products and services you request
- Improving our website, services, and user experience
- Requesting reviews or feedback about services provided
- Detecting, preventing, and responding to fraud, security incidents, and misuse
- Complying with legal and regulatory obligations
Sharing of Information
Mortgage Expert, Inc. does not sell personal information to third party marketers.
We may share information with trusted third party service providers as necessary to provide services and to process and close your mortgage transaction. These providers may include companies that assist with credit reports, underwriting support, appraisals, title services, flood determination, insurance services, document preparation, e signature, compliance services, communications, and review requests.
Third party service providers are permitted to use personal information only to perform services on our behalf and are required to maintain confidentiality and reasonable safeguards.
We may also disclose information as required by law, subpoena, governmental request, court order, or other legal process, or to protect our rights, property, and contractual obligations.
Florida and Federal Privacy and Compliance Notes
Mortgage Expert, Inc. is subject to privacy and information safeguarding requirements under applicable federal and state laws, including the Gramm Leach Bliley Act (GLBA) and its Safeguards Rule. If you become a customer, you may receive additional privacy notices describing information sharing and opt out rights as required by law.
Mortgage Expert, Inc. also complies with applicable Florida and federal mortgage and consumer protection requirements governing the collection, use, and safeguarding of consumer information in connection with mortgage related services.
Cookies and Tracking Technologies
This Site uses first party cookies and similar technologies to analyze Site usage, enhance functionality, and support security features, including verifying users in secure areas.
The Site may also include content from third parties that use third party cookies for advertising, analytics, or measurement. Information shared for advertising is generally anonymous and does not contain personally identifiable information unless you provide it directly to the third party.
Do Not Track
This Site does not respond to browser Do Not Track signals. We do not track individuals across third party websites for the purpose of targeted advertising based on cross site behavior. However, third parties may independently track your browsing activity according to their own policies.
Advertising and Analytics Services
We may work with third party advertising and analytics providers to support marketing, measurement, and reporting. These providers may collect anonymous or pseudonymous information about your visits to this Site and other websites to measure advertising effectiveness and to present ads that may be relevant to you.
This may involve the use of cookies, pixels, web beacons, action tags, or similar technologies placed on pages within the Site.
Google Analytics and Advertising Features
This Site may use Google Analytics and related advertising features. Google may collect and process data to analyze Site activity, prepare reports, and personalize advertising within its network.
You can control certain Google advertising features through Google’s Ads Settings and may opt out of Google Analytics tracking through available browser add ons or device settings.
CCPA Style Disclosures for California Residents
This section applies only to California residents to the extent the California Consumer Privacy Act (CCPA), as amended, applies. In the last 12 months, we may have collected the categories of personal information described in this Privacy Policy for the business purposes described above.
We do not sell personal information in exchange for money. We also do not share personal information for cross context behavioral advertising as that term is defined under California law. We may disclose personal information to service providers and contractors for business purposes such as processing transactions, providing services, analytics, security, and communications.
Subject to applicable law and certain exceptions, California residents may have rights to request access to, correction of, or deletion of personal information, and to limit certain uses and disclosures. We may need to verify your identity before responding to a request.
To submit a request, contact us using the contact information provided on this Site and include “California Privacy Request” in your message.
TCPA and Communications Consent
If you provide a phone number to us through this Site, you may be contacted by Mortgage Expert, Inc. and its service providers by phone, text message, or email for purposes related to your inquiry, application, transaction, account servicing, and customer support.
For text messages, we obtain consent where required by law. Message and data rates may apply. Message frequency may vary. You can opt out at any time by replying STOP to a text message, and you can request help by replying HELP.
Your consent to receive marketing related communications is not required as a condition of purchasing any goods or services. If you ask us not to contact you for marketing purposes, we will honor your request, subject to legal and servicing requirements.
Your Choices
- You can adjust browser settings to refuse or delete certain cookies. Some Site features may not function properly if cookies are disabled.
- You can opt out of certain interest based advertising through device settings or third party opt out tools where available.
- You can request that we limit marketing communications using the contact information below.
Contact Us
If you have questions about this Privacy Policy or our information practices, please contact Mortgage Expert, Inc. using the contact information provided on this Site.
Mortgage Expert, Inc. dba The Mortgage Expert. Equal Housing Opportunity.
NMLS ID: [2412313] • Florida License: [MBR5733]
This Site and its content are provided for informational purposes and do not constitute a commitment to lend. All loans are subject to credit approval, property approval, and program guidelines.