PRIVACY POLICY

Jeremy Engle ("we," "us," or "our") operates the website jeremyengle.com (the "Site"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or interact with us.

By using the Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

We may collect the following types of information:

  • Personal Information Information that identifies you personally, such as:

    • Name

    • Email address

    • Phone number

    • Mailing address

    • Date of birth

    • Social Security number (only if required for mortgage application processing)

    • Financial information (e.g., income, credit history, employment details)

    • Government-issued ID (if provided for verification)

    We collect this when you voluntarily submit it through forms on the Site, such as contact forms, mortgage application inquiries, or loan program requests.

  • Non-Personal Information

    • IP address

    • Browser type and version

    • Device information

    • Operating system

    • Pages visited, time spent on pages, and referring/exit pages

    • Geolocation data (general, not precise)

  • Cookies and Similar Technologies We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and for marketing. You can manage cookie preferences through your browser settings.

2. How We Use Your Information

We use the information we collect to:

  • Provide and improve our mortgage services, including responding to inquiries and processing loan applications

  • Communicate with you about your inquiries, applications, or our services

  • Personalize your experience on the Site

  • Send you marketing communications (with your consent where required)

  • Comply with legal obligations, including mortgage lending regulations

  • Prevent fraud and ensure Site security

  • Analyze Site usage and performance

3. Sharing Your Information

We may share your information with:

  • Affiliated Companies — Such as Vero Mortgage, Golden Empire Mortgage (GEM), or Country Club Mortgage, for providing mortgage services.

  • Service Providers — Third-party vendors who assist us with Site hosting, analytics, email services, application processing, or credit reporting (e.g., mortgage processors, underwriters). These providers are contractually obligated to protect your information.

  • Business Partners — Lenders, title companies, appraisers, or insurance providers involved in your mortgage transaction.

  • Legal Requirements — If required by law, subpoena, court order, or to protect our rights, safety, or property.

  • Business Transfers — In the event of a merger, acquisition, or sale of assets.

We do not sell your personal information to third parties for their direct marketing purposes.

Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5. Your Rights and Choices

  • Opt-Out of Marketing — You may unsubscribe from marketing emails using the link provided or by contacting us.

  • Access, Update, or Delete — You may request access to, correction of, or deletion of your personal information by contacting us. We may retain certain information as required by law.

  • Cookies — Manage preferences via your browser.

  • Do Not Track — We do not currently respond to browser Do Not Track signals.

California Residents: Under the California Consumer Privacy Act (CCPA), you may have rights to know what information we collect, request deletion, and opt out of sales (we do not sell personal information).

6. Children's Privacy

The Site is not intended for children under 13. We do not knowingly collect personal information from children under 13. If we become aware of such collection, we will delete it.

7. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for their privacy practices. Review their policies before providing information.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted here with an updated effective date. Continued use of the Site after changes constitutes acceptance.

9. Contact Us

For questions about this Privacy Policy or your personal information, contact:

Jeremy Engle jeremy@jeremyengle.com Vero Mortgage [Address as listed on the Site, e.g., 700 W Center Ave, Visalia, CA 93291]

NMLS #293517

This Privacy Policy is governed by the laws of the State of California.