Privacy Policy
Effective date: [Effective date]
This Privacy Policy explains how [Legal entity name] («Home Loan Access,» «we,» «us») collects, uses, shares and protects personal information when you visit homeloanaccess.com or submit an inquiry. Home Loan Access is a matching service. We are not a lender, we do not make credit decisions, and submitting an inquiry is not a mortgage application.
Information we collect
Information you give us. When you use our mortgage inquiry form or contact form we collect your name, email address, phone number, preferred contact method, the property state and ZIP code, and your answers about your goal (for example purchase stage, price range, down payment, mortgage balance, estimated home value, intended use of equity, estimated credit range and occupancy). We also record whether you checked the optional call and text consent box and the exact consent wording shown to you.
Information collected automatically. We collect your IP address, browser and device type, pages visited, the page where you submitted a form, and campaign information such as UTM parameters and ad click identifiers. We use cookies and similar technologies for site functionality and, where enabled, analytics and advertising measurement.
We do not ask for your Social Security number, bank account numbers or full credit report on this website. Do not send that information through our forms.
How we use information
- To respond to your inquiry and match you with participating mortgage lenders or brokers.
- To contact you by your preferred method. We call or text using automated technology only if you gave separate consent.
- To operate, secure and improve the website, prevent fraud and spam, and measure advertising.
- To comply with legal obligations and enforce our Terms of Use.
How we share information
When you submit an inquiry, we share your information with participating mortgage lenders, brokers or licensed professionals so they can contact you about your request. A list of participating partners is available at [Partner list URL or "on request"].
We also share information with service providers that help us run the site (hosting, email delivery, customer relationship management, analytics), with authorities when required by law, and with a successor in a merger or sale of the business.
Under California law, providing your inquiry to lending partners may be considered a «sale» or «sharing» of personal information. See «Your California privacy rights» below.
Calls, texts and email
Consent to receive calls or texts using automated technology is optional and is not a condition of using our service. You can opt out of text messages at any time by replying STOP, and of email by using the unsubscribe link or contacting us. Message and data rates may apply.
Your California privacy rights
If you are a California resident, you have the right to know what personal information we collect, use and disclose; to request a copy or deletion of it; to correct inaccurate information; to opt out of the sale or sharing of your personal information; and to limit the use of sensitive personal information. We will not discriminate against you for exercising these rights. To make a request, use the Do Not Sell or Share My Personal Information page, email info@homeloanaccess.com or call (787) 930-1305. We may need to verify your identity before responding. An authorized agent may submit a request on your behalf with proof of authorization.
We honor Global Privacy Control signals as an opt-out of sale and sharing for the browser that sends them.
Retention
We keep inquiry records for [retention period, e.g. 3 years], or longer when required by law or to resolve disputes, then delete or de-identify them.
Security
We use reasonable administrative, technical and physical safeguards, including encrypted connections (HTTPS). No method of transmission or storage is completely secure.
Children
This website is intended for adults. We do not knowingly collect personal information from anyone under 18.
Changes
We may update this policy. The effective date above shows when it was last changed.
Contact us
[Legal entity name]
2372 Morse Ave, Irvine, CA 92614
(787) 930-1305
info@homeloanaccess.com