Privacy Policy

This Privacy Policy explains how MortgageOptions.org (“MortgageOptions.org,” “we,” “us,” or “our”) collects, uses, discloses, and protects information when you visit our website, submit information through our forms, interact with our services, or communicate with us.

MortgageOptions.org operates a consumer mortgage information and lead generation website. We help consumers explore mortgage-related options, including home purchase loans, refinance options, home equity products, HELOCs, and related financial services. We are not a lender and do not make credit decisions.

By using this website or submitting your information, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect information directly from you, automatically through your use of our website, and from third-party sources.

A. Information You Provide

When you complete a form, request information, use a calculator, or contact us, we may collect:

• First and last name
• Email address
• Phone number
• Street address, city, state, and ZIP code
• Property address or desired purchase location
• Homeownership status
• Estimated home value
• Estimated mortgage balance
• Desired loan amount
• Loan purpose, such as purchase, refinance, HELOC, cash-out refinance, or second home
• Estimated credit score range
• Income range or employment-related information, if requested
• Military or VA eligibility-related information, if applicable
• Preferred contact method
• Any other information you choose to provide

B. Mortgage Inquiry Information

Because this website helps consumers explore mortgage-related options, we may collect information relevant to matching you with potential lenders, mortgage brokers, marketplaces, service providers, or marketing partners, including:

• Type of mortgage product you are interested in
• Property type
• Occupancy type
• Estimated equity
• Down payment amount
• Purchase price or estimated budget
• Refinance goals
• HELOC or home equity goals
• Timing to purchase, refinance, or access equity
• General qualification-related information

C. Automatically Collected Information

When you visit our website, we and our service providers may automatically collect:

• IP address
• Browser type
• Device type
• Operating system
• Pages viewed
• Referring URL
• Date and time of visit
• Clickstream data
• Form interaction data
• Approximate geographic location based on IP address
• Cookie, pixel, and similar tracking information

D. Information From Third Parties

We may receive information from third parties, including:

• Advertising platforms
• Analytics providers
• Lead verification providers
• Data enrichment providers
• Affiliate or referral partners
• Mortgage or financial services partners
• Fraud prevention and security vendors

2. How We Use Information

We may use the information we collect to:

• Provide, operate, and improve MortgageOptions.org
• Respond to your requests or inquiries
• Match you with mortgage, refinance, HELOC, home equity, or related financial service options
• Share your inquiry with lenders, mortgage brokers, marketplaces, call centers, service providers, or other partners
• Contact you by phone, text, email, mail, or other communication channels, where permitted
• Verify, validate, or supplement information you provide
• Personalize website content and user experience
• Analyze website traffic and performance
• Improve our forms, calculators, marketing, and services
• Prevent fraud, unauthorized activity, and misuse
• Comply with legal, regulatory, and contractual obligations
• Maintain records of your consent and interactions with us

3. How We Share Information

We may share your information with the following categories of recipients.

A. Mortgage and Financial Services Partners

We may share your information with lenders, mortgage brokers, mortgage marketplaces, banks, credit unions, lead buyers, call centers, loan officers, or other financial service providers that may contact you about mortgage-related products or services.

These partners may use your information to evaluate your inquiry, contact you, provide quotes or options, or request additional information.

B. Service Providers

We may share information with vendors that help us operate our business, including:

• Website hosting providers
• CRM and database providers
• Form and lead management platforms
• Analytics providers
• Call tracking providers
• Email and SMS vendors
• Fraud prevention providers
• Data verification providers
• Compliance and consent management vendors
• Customer support providers

These service providers are authorized to use information as needed to provide services to us.

C. Advertising and Analytics Partners

We may share or allow collection of information through cookies, pixels, and similar technologies with advertising and analytics partners to help measure campaign performance, improve targeting, and understand how users interact with our website.

Depending on applicable law, this may be considered a “sale,” “sharing,” or “targeted advertising” activity.

D. Affiliates and Business Partners

We may share information with affiliated businesses, marketing partners, or referral partners for business purposes consistent with this Privacy Policy.

E. Legal, Compliance, and Safety Purposes

We may disclose information if we believe it is necessary to:

• Comply with law, regulation, subpoena, court order, or legal process
• Respond to government or regulatory requests
• Protect our rights, users, partners, or business
• Detect or prevent fraud, abuse, or security issues
• Enforce our Terms of Use or other agreements

F. Business Transfers

If we are involved in a merger, acquisition, financing, sale of assets, bankruptcy, restructuring, or similar transaction, your information may be transferred as part of that transaction.

4. Lead Generation Disclosure

MortgageOptions.org is a mortgage lead generation and consumer information website. When you submit information through our website, we may transmit your information to one or more mortgage lenders, brokers, marketplaces, marketing partners, or service providers.

We do not guarantee that you will be matched with a lender, approved for a loan, receive a specific rate, or qualify for any specific product. Loan approval, rates, terms, and availability depend on the reviewing lender or partner, your credit profile, income, property, equity, debt, location, loan amount, and other underwriting factors.

The CFPB has recognized that lead generators may collect consumer loan inquiry information and sell or route that information to lenders or other financial providers. Because of that, it is important that consumers understand that submitting a form may result in their information being shared with third parties that may contact them about mortgage-related options.

5. Consent to Be Contacted

By submitting a form on MortgageOptions.org, you authorize MortgageOptions.org and its partners to contact you regarding mortgage, refinance, HELOC, home equity, home purchase, or related financial service options.

This contact may occur by:

• Phone call
• Text message
• Email
• Artificial or prerecorded voice, where permitted by law
• Automated dialing technology, where permitted by law
• Mail

Consent is not a condition of purchasing any goods or services. Message and data rates may apply. You may opt out of marketing communications at any time.

The FCC has taken action in recent years addressing lead generation consent practices for robocalls and robotexts, including consent clarity for callers and texters.

6. Cookies and Tracking Technologies

We may use cookies, pixels, tags, scripts, and similar technologies to:

• Operate the website
• Remember user preferences
• Analyze traffic and performance
• Measure advertising effectiveness
• Improve user experience
• Prevent fraud
• Support marketing and retargeting

You can control cookies through your browser settings. If you disable cookies, some parts of the website may not function properly.

We may use third-party tools such as analytics platforms, advertising networks, tag managers, call tracking tools, or session measurement tools. These providers may collect information about your interaction with our website and other websites over time.

7. How We Protect Information

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. These may include access controls, encryption where appropriate, secure data storage, vendor controls, monitoring, and internal policies.

However, no method of transmission or storage is completely secure. We cannot guarantee absolute security.

Mortgage lead generation websites may collect sensitive consumer financial information, so businesses in this space should maintain reasonable safeguards and vendor controls. The FTC enforces privacy and data security laws, including rules and guidance related to consumer financial information and unfair or deceptive practices.

8. Data Retention

We retain information for as long as reasonably necessary to:

• Provide services
• Respond to inquiries
• Maintain business records
• Document consent
• Comply with legal obligations
• Resolve disputes
• Enforce agreements
• Prevent fraud or misuse
• Support reporting and analytics

Retention periods may vary depending on the type of information and applicable legal or business requirements.

9. Your Privacy Choices

Depending on where you live, you may have certain rights regarding your personal information.

These rights may include:

• The right to know what personal information we collect
• The right to access your personal information
• The right to correct inaccurate information
• The right to delete personal information
• The right to opt out of certain sales, sharing, or targeted advertising
• The right to limit certain uses of sensitive personal information
• The right to appeal a privacy rights decision, where applicable
• The right not to be discriminated against for exercising privacy rights

California law, for example, provides consumers with rights to know, delete, correct, opt out of sale or sharing, and limit certain uses of sensitive personal information.

To submit a privacy request, contact us at:

Email: info@MortgageOptions.org

Mail: MortgageOptions.org Privacy Request

590 S Coast Drive Suite #7, Laguna Beach, CA 92651

We may need to verify your identity before processing your request.

10. California Privacy Notice

This section applies to California residents and is intended to supplement the rest of this Privacy Policy.

Categories of Personal Information We May Collect

In the past 12 months, we may have collected the following categories of personal information:

Sources of Personal Information

We may collect information from:

• You
• Your device or browser
• Website forms
• Cookies and tracking technologies
• Advertising partners
• Affiliate partners
• Data verification providers
• Analytics providers
• Mortgage or financial services partners

Purposes for Collection

We may collect and use personal information for:

• Lead generation and inquiry routing
• Consumer mortgage education
• Matching consumers with potential providers
• Marketing and advertising
• Analytics and website improvement
• Fraud prevention
• Compliance and recordkeeping
• Communication and customer support

Categories of Personal Information Disclosed

We may disclose any of the categories listed above to service providers, mortgage partners, marketing partners, advertising networks, analytics providers, compliance vendors, and business partners.

Sale or Sharing of Personal Information

Because MortgageOptions.org may share consumer inquiry information with third-party mortgage or financial services partners, and because we may use advertising or analytics technologies, some disclosures may be considered a “sale” or “sharing” under California law.

California residents may opt out by contacting us at:

info@MortgageOptions.org

If enabled on the website, users may also use a link titled:

Do Not Sell or Share My Personal Information

Sensitive Personal Information

We use sensitive personal information only as reasonably necessary to provide requested services, process inquiries, prevent fraud, comply with law, and operate our business. California residents may have the right to limit certain uses and disclosures of sensitive personal information.

11. State Privacy Rights

Residents of certain states may have additional privacy rights under applicable state privacy laws. These may include rights to access, delete, correct, obtain a copy of personal information, opt out of targeted advertising, opt out of sale, and opt out of certain profiling.

To exercise these rights, contact us at:

info@MortgageOptions.org

Please include your name, email address, state of residence, and the nature of your request.

12. Financial Privacy Notice

Because MortgageOptions.org may collect information related to mortgage inquiries, home financing, refinance, HELOC, or home equity options, some information you provide may be financial in nature.

We do not make credit decisions. We do not guarantee approval, rates, terms, or loan availability.

Our partners may have their own privacy policies and financial privacy notices. If you are contacted by or submit information to a lender, broker, or financial institution, their privacy policy will govern their use of your information.

13. Credit Reports and FCRA-Related Information

MortgageOptions.org does not itself make lending decisions. If a lender, broker, marketplace, or financial partner obtains your credit report, they are responsible for providing any required notices and obtaining any required authorization.

We may ask for an estimated credit score range to help route your inquiry or provide educational information. Unless clearly disclosed and authorized, submitting a form on MortgageOptions.org does not by itself mean we have pulled your credit report.

14. Third-Party Websites and Partners

Our website may link to third-party websites or connect you with third-party partners. We are not responsible for the privacy practices, security, content, or policies of third parties.

When you leave MortgageOptions.org or communicate directly with a third-party partner, that third party’s privacy policy and terms apply.

15. Children’s Privacy

MortgageOptions.org is intended for adults. We do not knowingly collect personal information from children under 16. If you believe a child has provided us with personal information, contact us at privacy@MortgageOptions.org and we will take appropriate steps to delete it.

16. Email and Text Message Opt-Out

You may opt out of marketing emails by clicking the unsubscribe link in any marketing email.

You may opt out of text messages by replying STOP to any text message, if applicable.

You may also contact us at:

info@MortgageOptions.org

Please note that even if you opt out of marketing communications, we may still send transactional or administrative messages where permitted by law.

17. Do Not Track Signals

Some browsers offer “Do Not Track” signals. Because there is not a uniform industry standard for responding to these signals, we may not respond to them unless required by law.

Where legally required, we will honor applicable opt-out preference signals, such as Global Privacy Control, if implemented and recognized by applicable law.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last Updated” date.

Your continued use of the website after an update means you acknowledge the revised Privacy Policy.

19. Contact Us

For questions about this Privacy Policy or to submit a privacy request, contact us at:

MortgageOptions.org

Email: privacy@MortgageOptions.org