Privacy Policy

1. Information We Collect

We collect information that you voluntarily provide when you contact us, request a consultation, or engage our services. This may include:

• Your name, email address, and phone number
• Your property address and loan or servicer information
• Details about your situation submitted through our contact or consultation forms
• Documents you provide in connection with an investigation, such as mortgage agreements, assignments, and correspondence
• Payment information processed through our secure payment provider

We also collect limited technical information automatically when you visit our website, such as your IP address, browser type, and pages visited. This information is used in aggregate and is not linked to your identity.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and schedule consultations
• Conduct mortgage compliance investigations on your behalf
• Communicate with you about your case and our services
• Process payments for services rendered
• Improve our website, services, and customer experience
• Comply with legal obligations and protect our rights

3. Information Sharing

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• With your attorney. If you request that we share our findings or your information with your attorney or legal representative, we will do so at your direction.
• Service providers. We use trusted third-party services to operate our business (see Third-Party Services below). These providers may have access to limited information necessary to perform their functions.
• Legal compliance. We may disclose information if required by law, court order, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfer. In the event of a merger, acquisition, or sale of assets, information may be transferred subject to the protections of this policy.

4. Data Security

We take reasonable measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include secure data storage, access controls limited to authorized personnel, and encrypted transmission of sensitive data.

No method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You provide your information at your own risk.

5. Cookies and Analytics

Our website uses cookies to improve your browsing experience. Cookies are small text files stored on your device that help us understand how visitors use our site. You can control cookies through your browser settings, but disabling them may limit some website functionality.

We use analytics tools, including Google Analytics 4 (GA4), to collect aggregate data about website traffic and usage patterns. This data is used in aggregate form and does not include personally identifiable tracking. We do not use analytics to identify individual visitors or track you across other websites.

6. Third-Party Services

We rely on trusted third-party providers to operate our business. Each of these services has its own privacy policy governing how they handle your data. We encourage you to review their policies:

• Postmark - Used for sending transactional emails (form confirmations, notifications). Your form submissions trigger automated emails via Postmark.
• Stripe - Used for processing payments. Stripe handles your payment card information under its own PCI-compliant systems. We do not store your full card details.
• Google Analytics 4 - Used for website analytics, as described above.
• Microsoft Clarity - Used for website analytics and session recording. Clarity provides anonymous usage data to help us improve the website.

We are not responsible for the privacy practices of these third-party services. We recommend reviewing their respective privacy policies.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Access. You may request a copy of the personal information we hold about you.
• Correct. You may request that we correct any inaccurate or incomplete information.
• Delete. You may request that we delete your personal information, subject to legal retention requirements.
• Opt out. You may opt out of marketing communications at any time by using the unsubscribe link in our emails or contacting us directly.

To exercise any of these rights, please contact us using the information provided in the Contact Us section below. We will respond to your request within a reasonable timeframe.

8. Children's Privacy

Our website and services are not directed at children under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us and we will take steps to delete that information.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Effective" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our website after changes are posted constitutes your acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us: