California Privacy Notice for MortgageOptions.org
Effective Date: May 1, 2026
Last Updated: May 12, 2026
This California Privacy Rights Act Notice, also referred to as this “California Privacy Notice,” supplements the Privacy Policy for MortgageOptions.org and applies only to California residents.
This notice explains how MortgageOptions.org (“MortgageOptions.org,” “we,” “us,” or “our”) collects, uses, discloses, sells, shares, retains, and protects personal information of California residents under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, collectively referred to in this notice as the “CCPA.”
California residents have rights to know, access, delete, correct, opt out of sale or sharing, limit certain uses of sensitive personal information, and not be discriminated against for exercising privacy rights. California businesses that sell or share personal information must provide a clear “Do Not Sell or Share My Personal Information” mechanism, and businesses generally may not sell or share a consumer’s personal information after an opt-out request unless the consumer later authorizes it again.
1. Who We Are
MortgageOptions.org operates a mortgage lead generation and consumer information website. We help consumers explore mortgage-related options, including home purchase loans, refinance options, HELOCs, home equity products, and related financial services.
MortgageOptions.org is not a lender and does not make credit decisions. Submitting information through our website does not guarantee approval, loan terms, rates, or product availability.
2. Scope of This Notice
This California Privacy Notice applies to personal information we collect from California residents when they:
- Visit MortgageOptions.org
- Submit a mortgage inquiry form
- Use website tools, calculators, or forms
- Request information about mortgage, refinance, HELOC, home equity, or home purchase options
- Communicate with us
- Interact with our advertising, analytics, or marketing technologies
This notice does not apply to information that is exempt from the CCPA, including certain information regulated by other privacy laws where applicable.
3. Categories of Personal Information We Collect
In the past 12 months, we may have collected the following categories of personal information from California residents.
| Category | Examples We May Collect |
|---|---|
| Identifiers | Name, email address, mailing address, property address, IP address, online identifiers |
| Personal information under California law | Contact information, address, mortgage inquiry details |
| Protected classification characteristics | Military or veteran status if voluntarily provided for VA loan inquiries |
| Commercial information | Mortgage product interest, loan inquiry details, refinance goals, HELOC interest, purchase timeline |
| Internet or network activity | Website visits, pages viewed, click behavior, referring URL, browser type, device data |
| Geolocation data | Approximate location based on IP address, ZIP code, or state |
| Professional or employment-related information | Employment or income-related information if requested or voluntarily provided |
| Financial information | Estimated credit score range, income range, home value, mortgage balance, loan amount, equity estimate, debts, down payment estimate |
| Sensitive personal information | Financial account-related information if submitted, precise financial inquiry information, government ID-related information if ever requested, and other sensitive data under California law |
| Inferences | Mortgage intent, likely product interest, consumer preferences, potential eligibility category |
Under California law, businesses that collect personal information must disclose the categories collected, purposes for collection, whether information is sold or shared, and retention criteria. Businesses must also disclose sensitive personal information collected and the purposes for which it is used.
4. Sources of Personal Information
We may collect personal information from the following sources:
- You directly
- Your device or browser
- Website forms
- Mortgage calculators or tools
- Cookies, pixels, tags, and similar technologies
- Advertising platforms
- Analytics providers
- Lead verification vendors
- Data enrichment providers
- Affiliate or referral partners
- Mortgage lenders, brokers, marketplaces, call centers, and other business partners
5. Purposes for Collecting Personal Information
We may collect, use, disclose, sell, or share personal information for the following business or commercial purposes:
- Operating MortgageOptions.org
- Responding to consumer inquiries
- Matching consumers with potential mortgage, refinance, HELOC, home equity, or home purchase options
- Routing inquiries to lenders, mortgage brokers, marketplaces, call centers, or financial services partners
- Contacting consumers by email, phone, text, or other communication channels where permitted
- Validating, verifying, or supplementing information submitted
- Maintaining records of consent
- Providing customer support
- Personalizing website experience
- Measuring advertising performance
- Conducting analytics
- Preventing fraud, abuse, or unauthorized activity
- Improving website forms, calculators, and user experience
- Complying with legal, contractual, and regulatory obligations
- Enforcing our Terms of Use and other agreements
6. Categories of Third Parties We Disclose Personal Information To
We may disclose personal information to the following categories of third parties:
- Mortgage lenders
- Mortgage brokers
- Mortgage marketplaces
- Banks and credit unions
- Lead buyers
- Call centers
- Loan officers
- Home equity, HELOC, refinance, or purchase loan partners
- CRM and lead management providers
- Website hosting providers
- Form providers
- Analytics providers
- Advertising networks
- Retargeting platforms
- Data verification and enrichment providers
- Fraud prevention vendors
- Compliance and consent management vendors
- Email, SMS, and communication vendors
- Professional advisors
- Legal, regulatory, or governmental authorities where required
7. Sale or Sharing of Personal Information
MortgageOptions.org may disclose consumer inquiry information to mortgage lenders, brokers, marketplaces, call centers, lead buyers, or related financial services partners. Depending on the relationship and applicable law, this may be considered a “sale” of personal information under the CCPA.
We may also use advertising, analytics, cookies, pixels, and similar tracking technologies. Depending on the technology and applicable law, these activities may be considered “sharing” personal information for cross-context behavioral advertising.
California residents have the right to opt out of the sale or sharing of personal information. Businesses subject to the CCPA must provide a clear and conspicuous “Do Not Sell or Share My Personal Information” link when they sell or share personal information.
8. Categories of Personal Information Sold or Shared
In the past 12 months, we may have sold or shared the following categories of personal information:
| Category | Sold or Shared? | Categories of Recipients |
|---|---|---|
| Identifiers | Yes | Mortgage partners, lead buyers, marketing partners, advertising platforms |
| Personal information under California law | Yes | Mortgage partners, lead buyers, service providers |
| Commercial information | Yes | Mortgage partners, lead buyers, marketing partners |
| Internet or network activity | Yes | Analytics providers, advertising platforms, retargeting partners |
| Geolocation data | Yes | Analytics providers, advertising platforms, mortgage partners where relevant |
| Financial inquiry information | Yes | Mortgage lenders, brokers, marketplaces, call centers, lead buyers |
| Inferences | Yes | Advertising platforms, analytics providers, mortgage partners |
We do not knowingly sell or share personal information of consumers under 16 years of age.
9. Categories of Personal Information Disclosed for a Business Purpose
In the past 12 months, we may have disclosed the following categories of personal information for a business purpose:
- Identifiers
- Personal information under California law
- Commercial information
- Internet or network activity
- Geolocation data
- Professional or employment-related information
- Financial inquiry information
- Sensitive personal information, where applicable
- Inferences
These disclosures may be made to service providers, contractors, vendors, compliance partners, analytics providers, hosting providers, CRM providers, communications vendors, fraud prevention vendors, and other operational partners.
10. Sensitive Personal Information
We may collect sensitive personal information when you submit mortgage-related information, financial information, property information, estimated credit information, income-related information, or other details through our website.
We use sensitive personal information only for purposes reasonably necessary to:
- Provide requested mortgage-related services
- Match you with potential mortgage or financial services options
- Process and route your inquiry
- Verify, validate, or supplement submitted information
- Prevent fraud or misuse
- Maintain security
- Comply with legal and regulatory obligations
- Maintain records of consent and communications
California residents may have the right to limit certain uses and disclosures of sensitive personal information.
11. Retention of Personal Information
We retain personal information for as long as reasonably necessary for the purposes described in this notice, including:
- Providing services
- Routing and documenting consumer inquiries
- Maintaining business and compliance records
- Documenting consent
- Preventing fraud
- Resolving disputes
- Complying with legal obligations
- Enforcing agreements
- Supporting analytics and business operations
Retention periods vary depending on the category of information, the purpose of collection, legal requirements, contractual obligations, and business needs. California law requires businesses to disclose retention periods or the criteria used to determine retention and not retain personal information longer than reasonably necessary for disclosed purposes.
12. Your California Privacy Rights
California residents may exercise the following rights, subject to legal limitations and verification requirements.
Right to Know
You may request that we disclose:
- Categories of personal information collected
- Categories of sources
- Purposes for collecting, selling, or sharing personal information
- Categories of third parties to whom information is disclosed
- Categories of personal information sold or shared
- Categories of personal information disclosed for a business purpose
- Specific pieces of personal information collected about you
Right to Delete
You may request that we delete personal information we collected from you, subject to legal exceptions.
Right to Correct
You may request that we correct inaccurate personal information we maintain about you.
Right to Opt Out of Sale or Sharing
You may request that we stop selling or sharing your personal information.
Once we receive a valid opt-out request, we will not sell or share your personal information unless you later authorize us to do so again, subject to applicable law.
Right to Limit Use of Sensitive Personal Information
You may request that we limit the use and disclosure of sensitive personal information to uses permitted by California law.
Right to Non-Discrimination
We will not discriminate against you for exercising your California privacy rights.
This means we will not deny services, charge different prices, provide a different level of service, or retaliate against you because you exercised your privacy rights.
13. How to Exercise Your California Privacy Rights
To submit a California privacy request, contact us at:
Email: info@mortgageoptions.org
Mail: MortgageOptions.org
590 S Coast Drive Suite #7
Laguna Beach, CA 92651
Please include:
- Your full name
- Email address
- Mailing address
- State of residence
- The right you wish to exercise
- Any information needed to help us locate your request or record
We may need to verify your identity before processing your request. Verification may require matching information you provide with information we maintain.
14. Do Not Sell or Share My Personal Information
California residents may opt out of the sale or sharing of their personal information by contacting us at:
info@mortgageoptions.org
Recommended website footer link:
Do Not Sell or Share My Personal Information
Recommended URL:
/privacy-choices
Recommended page copy for the opt-out form:
California residents may use this page to opt out of the sale or sharing of personal information. MortgageOptions.org may share consumer inquiry information with mortgage lenders, brokers, marketplaces, call centers, lead buyers, advertising platforms, analytics providers, and related partners. Submit this form to request that MortgageOptions.org not sell or share your personal information.
Fields:
- First name
- Last name
- Email address
- Mailing address
- State
- Request type:
- Do Not Sell or Share My Personal Information
- Limit the Use of My Sensitive Personal Information
- Delete My Personal Information
- Correct My Personal Information
- Access My Personal Information
15. Limit the Use of My Sensitive Personal Information
California residents may request that we limit the use and disclosure of sensitive personal information.
Submit your request at:
info@mortgageoptions.org
Recommended website footer link:
Limit the Use of My Sensitive Personal Information
This may also be combined with the “Do Not Sell or Share My Personal Information” link where permitted.
16. Global Privacy Control
Where required by applicable law, we will treat browser-based opt-out preference signals, such as Global Privacy Control, as a request to opt out of sale or sharing for the browser or device that sends the signal.
If you use multiple browsers or devices, you may need to enable the signal separately on each browser or device.
California regulators recognize opt-out preference signals such as Global Privacy Control as a way for consumers to submit sale or sharing opt-out requests.
17. Authorized Agents
You may authorize another person or business to submit a privacy request on your behalf.
We may require proof that the person or business is authorized to act for you. We may also require you to verify your identity directly with us unless an exception applies.
18. Response Timing
We will respond to verifiable California privacy requests within the time required by applicable law. If we need additional time, we will notify you as required.
19. Financial Incentives
MortgageOptions.org does not currently offer financial incentives, loyalty programs, price differences, or service differences in exchange for the collection, retention, sale, or sharing of personal information.
If we offer such a program in the future, we will provide a separate notice explaining the material terms.
20. No Phone Number for Privacy Requests
MortgageOptions.org does not provide a phone number for California privacy requests in this notice. Privacy requests should be submitted by email or mail using the contact information above.
21. Updates to This California Privacy Notice
We may update this California Privacy Notice from time to time. The updated version will be posted on this page with the revised “Last Updated” date.
Your continued use of MortgageOptions.org after an update means you acknowledge the updated notice.
22. Contact Information
For questions about this California Privacy Notice or to submit a California privacy request, contact us at:
MortgageOptions.org
590 S Coast Drive Suite #7
Laguna Beach, CA 92651