Privacy Notice

Last Updated: August 18, 2025

1. Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Financial Information: Income, credit history, employment details, social security number, and other loan-related information.
• Technical Data: IP address, browser type, device information, and cookies when you interact with our website.

2. How We Use Your Information

We use your information to:

• Process mortgage applications and provide loan-related services
• Communicate with you about your application or inquiries
• Improve our website and services
• Comply with legal obligations and regulatory requirements

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Affiliated service providers (such as credit bureaus, title companies, or appraisers)
• Regulatory agencies, when required by law
• Third-party vendors that help us operate our website and services, under confidentiality agreements

4. Your Privacy Rights

Depending on your state of residence, you may have rights under privacy laws, including:

• The right to access, update, or delete your information
• The right to opt out of marketing communications
• The right to limit sharing of your data under applicable laws (such as CCPA or GLBA)

5. How We Protect Your Information

We implement administrative, technical, and physical safeguards to protect your personal information from unauthorized access or disclosure.

6. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, understand user behavior, and improve our services. You can manage cookie preferences through your browser settings.

7. Links to Other Sites

Our site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

8. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted here with a revised 'Last Updated' date.

9. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

• Mountain Bay Mortgage
• 📍 Eureka, CA
• 📞 +1-707-572-7338
• 📧 freddy@mountainbaymortgage.com