Effective date: July 10, 2024
The Mortgage Firm ("us", "we", or "our") operates the https://www.marcmoserlending.com website (hereinafter referred to as the "Service").
This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
Service
Service is the https://www.marcmoserlending.com website operated by The Mortgage Firm
Personal Data
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies
Cookies are small files stored on your device (computer or mobile device).
We collect several different types of information for various purposes to provide and improve our Service to you.
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
We may use and store information about your location if you give us permission to do so ("Location Data"). We use this data to provide features of our Service, to improve and customise our Service.
You can enable or disable location services when you use our Service at any time by way of your device settings.
We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
The Mortgage Firm uses the collected data for various purposes:
By voluntarily using and submitting forms on our website, you are agreeing to receive email messages from The Mortgage Firm during the processing and post the closing of your mortgage loan request. You may receive 5 or more emails per day. These emails are informational in nature regarding the mortgage industry including status updates on any loans you may have with us, information on the market, and marketing emails of potential opportunities for you. You can discontinue receipt of emails any time by unsubscribing or by contacting your loan originator.
Your information, including Personal Data, may be transferred to - and maintained on - computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
The Mortgage Firm will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.
Under certain circumstances, The Mortgage Firm may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The Mortgage Firm may disclose your Personal Data in the good faith belief that such action is necessary to:
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
This policy outlines the standards and procedures for the use of SMS messaging by The Mortgage Firm to communicate with clients, customers, and other stakeholders. The goal is to ensure that our SMS practices comply with applicable laws and regulations, respect user privacy, and maintain the highest standards of professionalism and ethics.
The Mortgage Firm commits to comply with all applicable laws and regulations regarding SMS messaging, including but not limited to the Telephone Consumer Protection Act (TCPA) and data protection laws in operational jurisdictions.
SMS messages will only be sent to users who have provided explicit, opt-in consent to receive such messages. Consent must be verifiable and recorded with the time and date when it was obtained.
Every SMS message sent by The Mortgage Firm will include clear instructions on how users can opt-out of receiving future messages. Opt-out requests will be processed immediately.
All SMS messages sent will clearly identify The Mortgage Firm as the sender.
Messages will contain information relevant to the user's interaction with The Mortgage Firm and will not include prohibited content such as hate speech, explicit content, or fraudulent material.
All content in SMS messages will be accurate and checked for correctness before distribution.
All personal data collected for SMS messaging will be stored securely and will only be used for the purposes specified at the time of collection.
Users will be provided with a link to The Mortgage Firm's Privacy Policy in the initial SMS message they receive, which outlines how their data is handled.
The frequency of SMS messages will be kept to a minimum to avoid spamming users. Regular communications will not exceed [specify limit] messages per month unless critical updates are necessary.
The Mortgage Firm will regularly review SMS campaigns for compliance with this policy and applicable laws.
A process for handling complaints related to SMS messaging will be established. Violations of this policy will be dealt with promptly and may result in disciplinary action.
This policy may be amended at any time. Amendments will be effective immediately upon posting the revised policy on our website.
For any questions or concerns regarding our SMS Compliance Policy, please contact info@tmf.mortgage.
We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyse the use of our Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.
You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, please contact us:
