Privacy Policy.

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

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

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.

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.

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.

The Site may use cookies, pixels, tags, web beacons, software development kits, and similar technologies — including first-party and third-party technologies — for analytics, measurement, and advertising purposes, including building website-visitor audiences and showing you relevant ads on other websites and platforms. You can manage these technologies as described in “Advertising and analytics services” and “Your choices” below.

Because there is no common industry standard for how to interpret browser “Do Not Track” signals, this Site does not currently respond to them. Where advertising features are enabled, this Site and our advertising and analytics partners may use cookies, pixels, and similar technologies to understand your activity on this Site and, in combination with their own data, to deliver and measure advertising across other websites, apps, and platforms. Third parties may also independently collect information about your browsing activity according to their own policies. You can limit or opt out of many of these advertising technologies as described in “Advertising and analytics services” and “Your choices” below.

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.

These technologies may be used for remarketing and retargeting. This means that after you visit this Site, you may later see ads for Mortgage Expert, Inc. on third-party properties and ad networks — including Google, YouTube, Facebook, Instagram, and other websites and apps — based on your prior visit to this Site. We and our advertising partners may also create website-visitor audiences, such as people who viewed certain pages or previously visited this Site, so that advertising can be shown to returning visitors. These technologies do not change your loan terms, pricing, or eligibility and are used only for marketing and measurement.

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.

Meta (Facebook and Instagram). Where enabled, this Site may use the Meta Pixel and related advertising technologies from Meta Platforms, Inc. to measure the effectiveness of advertising and to show ads on Facebook, Instagram, and Meta's partner network to people who have visited this Site. Meta may receive certain information about your visit, such as pages viewed and general activity on this Site, and may combine it with information Meta already holds, in accordance with Meta's own data policies. You can manage how ads are personalized to you in your Facebook and Instagram settings and through Meta's ad-preference tools.

Information we do not send to advertising platforms. Mortgage Expert, Inc. does not intentionally send sensitive mortgage or application information to advertising pixels or ad platforms for ad targeting. This includes your name, phone number, email address, mailing address, Social Security number, income, assets, credit information, loan amount, and the contents of any application or inquiry you submit. Information shared with advertising technologies is generally limited to online identifiers (such as cookie or device identifiers) and general activity on this Site, such as the pages you view.

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 your personal information in exchange for money. However, where advertising features are enabled, our use of advertising cookies, pixels, and similar technologies may be considered “sharing” of personal information for “cross-context behavioral advertising” as those terms are defined under California law. The information involved is generally limited to online identifiers and your activity on this Site; we do not use these technologies to share the sensitive mortgage or application information described above. California residents have the right to opt out of this sharing, as described in “Your choices” below. We may also 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.

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.

• You can adjust browser settings to refuse or delete certain cookies. Some Site features may not function properly if cookies are disabled.
• Google. You can control personalized advertising through Google's Ads Settings (myadcenter.google.com) and opt out of Google Analytics through Google's browser add-on.
• Meta (Facebook and Instagram). You can manage ad personalization in your Facebook and Instagram account settings and through Meta's ad-preference tools.
• Industry opt-out tools. You can opt out of many participating companies' interest-based advertising through the Digital Advertising Alliance (optout.aboutads.info) and the Network Advertising Initiative (optout.networkadvertising.org). On mobile devices, you can use your device's advertising-settings controls.
• California residents — Your Privacy Choices. Subject to applicable law, you may opt out of the “sharing” of personal information for cross-context behavioral advertising. To exercise this right, contact us using the contact information in this Policy and include “Your Privacy Choices” or “Do Not Share My Information” in your request.
• You can request that we limit marketing communications using the contact information below.

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.