Privacy Policy

Introduction

Jimmy Joseph MBA, operating under CMG Home Loans (NMLS #1577754, Branch NMLS #2477715), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website jimmymortgage.com.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Submit a contact form or mortgage pre-approval application
• Call or email us directly
• Use our mortgage calculator tools
• Subscribe to our newsletter or updates
• Engage with our website in other ways

This information may include:

• Name and contact information (email, phone number, address)
• Financial information (income, assets, debts, credit history)
• Employment information
• Property information
• Social Security Number (when required for loan processing)
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing actions, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses
• Clickstream data

How We Use Your Information

We use the information we collect to:

• Process your mortgage loan application and provide mortgage services
• Respond to your inquiries and provide customer support
• Send you marketing communications (with your consent)
• Improve our website and services
• Comply with legal obligations and industry regulations
• Prevent fraudulent transactions and protect against liability
• Analyze website usage and trends

Disclosure of Your Information

We may share your information in the following situations:

With CMG Home Loans

As a mortgage loan originator operating under CMG Home Loans, we share your information with CMG Home Loans for loan processing, underwriting, and servicing.

With Third-Party Service Providers

We may share your information with third parties who perform services on our behalf, including:

• Credit reporting agencies
• Appraisal and title companies
• Loan investors and servicers
• Technology service providers
• Marketing and analytics providers

Legal Obligations

We may disclose your information when required by law, regulation, legal process, or governmental request, or to protect our rights and the rights of others.

Business Transfers

In connection with any merger, sale of company assets, financing, or acquisition, your information may be transferred to the acquiring entity.

Data Security

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

• Encryption of sensitive data in transit and at rest
• Secure servers and network infrastructure
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Cookies and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

We may use third-party analytics services (such as Google Analytics) to help us understand how users interact with our website.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Opt out of marketing communications at any time
• Data Portability: Request a copy of your information in a portable format

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

Third-Party Websites

Our website may contain links to third-party websites, including the CMG Home Loans application portal. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect and how it is used
• The right to delete personal information (subject to exceptions)
• The right to opt out of the sale of personal information
• The right to non-discrimination for exercising your rights

Note: We do not sell your personal information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically to stay informed about how we protect your information.