Privacy Policy

1. Introduction

At Making Mortgage Easy, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit mmehome.com or use our mortgage brokerage services. Please read this policy carefully to understand our practices regarding your personal data.

2. Information We Collect

Personal Information

We may collect personal information that you provide directly to us, including:

• Name, email address, and phone number
• Home address and property information
• Financial information (income, employment, existing mortgage details)
• Credit-related information for pre-qualification purposes
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect:

• Device information (browser type, operating system)
• IP address and location data
• Pages visited and time spent on our site
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Process your pre-qualification requests
• Match you with appropriate lenders and financial products
• Communicate with you about our services
• Improve and personalize your experience
• Analyze usage patterns and optimize our website
• Comply with legal obligations
• Protect against fraud and unauthorized access

4. Information Sharing

We may share your information with the following categories of third parties:

• Lending Partners: When you submit a pre-qualification request, your personal and financial information is shared with licensed wholesale lenders to facilitate your loan inquiry.
• CRM & Marketing Platforms (Bonzo): We use Bonzo to manage lead communications. Your name, contact details, property information, and financial details are shared with Bonzo for campaign enrollment.
• Analytics Providers (Google Analytics): We share usage data with Google Analytics to improve our services. Data is anonymized where possible.
• Address & Property Data (Photon/Komoot): Property addresses you enter may be sent to Photon for address autocomplete suggestions.
• Legal Requirements: When required by law or to protect our rights and safety.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy, or as required by law. Lead submission data is retained for up to 7 years for regulatory compliance purposes. You may request deletion of your data at any time by contacting us at shane@shieldhomeloans.com.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure server infrastructure
• Regular security assessments and updates

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt-out of marketing communications
• Withdraw consent where applicable

To exercise these rights, please contact us using the information provided below.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website, including Google Analytics for performance tracking. You can control cookie preferences through our cookie consent banner or your browser settings. Note that disabling cookies may affect the functionality of our website.

8. Third-Party Links

Our website may contain links to third-party websites including Zillow. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. California Privacy Rights (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
• Right to Opt-Out: You may opt out of the sale or sharing of your personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
• Right to Correct: You may request correction of inaccurate personal information.

To exercise your rights, email us at shane@shieldhomeloans.com. We will respond to verifiable requests within 45 days.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

12. Contact Us

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

• Email: shane@shieldhomeloans.com
• Phone: (949) 691-1335
• Company: Making Mortgage Easy | Shield Home Loans Inc.
• NMLS#: 1082653 | DRE#: 02244476

By using Making Mortgage Easy's services, you acknowledge that you have read and understood this Privacy Policy.