Privacy Policy

Information We Collect

We collect information you voluntarily provide when you fill out a contact form, request a quote, book a call, or otherwise communicate with us. This may include:

• Name, email address, and phone number
• Information about your mortgage or financing needs (such as loan purpose, property details, and your preferred contact time)
• Any additional information you choose to include in a message

We also automatically collect certain technical information when you visit the Site, such as your IP address, browser type, device information, pages viewed, and how you arrived at the Site. This is collected through cookies and similar tracking technologies (see "Cookies and Tracking" below).

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and contact you about mortgage and financing options
• Provide the services you request, including loan consultations and applications
• Schedule and conduct calls or meetings
• Improve the Site and our marketing
• Comply with legal, regulatory, and licensing obligations applicable to mortgage origination

We do not sell your personal information.

Financial Information (GLBA)

As a mortgage professional, any nonpublic personal financial information you share with us in connection with a loan inquiry or application is handled in accordance with applicable federal and state law, including the Gramm-Leach-Bliley Act (GLBA). We restrict access to this information to those who need it to provide services to you, and we maintain safeguards intended to protect it. Information handled as part of a formal loan application may also be governed by the privacy practices and disclosures of Direct Rate Home Loans, Inc.

Third-Party Services We Use

We use trusted third-party services to operate the Site and communicate with you. These providers process certain information on our behalf and have their own privacy policies governing their use of data:

• Vercel and Railway — website and application hosting
• Calendly — appointment scheduling (collects the contact and scheduling details you enter to book a call)
• Resend — email delivery for notifications and communications
• Meta (Facebook) Pixel — advertising and conversion measurement for ads run on Facebook and Instagram
• Google — website analytics and Google reviews/business services

When you submit a form, your contact information is stored in our secure customer relationship management system so we can follow up with you.

Cookies and Tracking

The Site uses cookies and tracking technologies, including the Meta Pixel and analytics tools, to understand how visitors use the Site and to measure and improve our advertising. These technologies may collect information about your device and browsing activity. The Meta Pixel may allow us to show you relevant ads on Facebook and Instagram and to measure their effectiveness. You can control cookies through your browser settings, and you can manage ad personalization through your Facebook and Google account settings.

How We Share Information

We share information only as needed to provide our services and as permitted by law, including: with the third-party service providers listed above; with Direct Rate Home Loans, Inc. and lending partners as part of processing a loan inquiry or application; and when required by law, regulation, subpoena, or to protect our legal rights. We do not sell your personal information to third parties.

Data Security

We take reasonable measures to protect the information you provide against unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Choices and Rights

You may:

• Request access to, correction of, or deletion of the personal information we hold about you
• Opt out of marketing communications at any time by replying to any message or contacting us directly
• Control cookies and ad tracking through your browser and platform settings

Depending on your state of residence, you may have additional rights regarding your personal information. To make a request, contact us using the information below.

Children's Privacy

The Site is not directed to individuals under 18, and we do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or wish to make a request regarding your information, contact: