Privacy Policy

Privacy Policy of MortgageCouch, Inc.

At MortgageCouch, Inc. ("MortgageCouch," "we," "us," or "our"), we understand the importance of privacy and are committed to protecting the confidentiality and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our website and submit online web applications for home loans through desktop computers and mobile devices. By using our website and submitting your information, you consent to the practices described in this Privacy Policy.

We collect and process the following categories of personal information about you:

Personal Information:

• Name, address, email address, phone number, date of birth, social security number, employment information, financial details, and other relevant information necessary to process your loan application.

Device and Technical Information:

• Information about the device you use to access our website, including your IP address, browser type, device type, operating system, and other technical information.
• Automatically recorded data, such as interactions, pages visited, time spent on pages, and referring/exit pages.
• Cookies and similar technologies used to enhance your experience. You can manage your preferences through your browser settings.

We use the information we collect for the following purposes:

• Loan Processing: To process and evaluate your loan application, communicate about your application status, and provide services.
• Communication: To send updates, notifications, and other relevant information related to your loan or our services. You can opt out of marketing communications at any time.
• Analytics and Improvement: To analyze usage and improve our website and services.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes.

We share your information with third parties under the following circumstances:

• Service Providers: Third-party service providers who assist with our website      operations, loan processing, and service delivery. These parties are contractually obligated to maintain confidentiality and data protection standards.
• Legal Requirements: If required by law, regulation, or in response to a valid legal process, such as a subpoena or court order.
• Business Transfers: If involved in a merger, acquisition, or asset sale, your      information may be transferred as part of that deal.
• Aggregated or De-Identified Data: We may share anonymized data for research or      statistical purposes.

If you are a resident of California, Oregon, or Texas, you have the following rights regarding your personal information:

• Right to Know: Request details about the personal information we collect, use, and share.
• Right to Access: Obtain a copy of the personal data we have about you.
• Right to Correct: Request correction of inaccurate personal data.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions.
• Right to Opt-Out of Data Sales and Targeted Advertising: We do not sell your personal information. However, you may opt-out of third-party tracking for targeted advertising purposes.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise these rights, please contact us at team@mortgagecouch.com or call (805) 676-0377. We may require identity verification before processing your request.

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no data transmission or storage system can be guaranteed to be 100% secure.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. When no longer needed, we securely dispose of your information.

We do not respond to "Do Not Track" signals from web browsers. You may control cookie preferences through your browser settings.

We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.

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

MortgageCouch, Inc.

Address: 1500 Palma Drive, 2nd Fl Ventura CA 93003

Phone: (805) 676-0377

Fax:  888-849-2316 

Email: team@mortgagecouch.com

By using our website and submitting your personal information, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.