Privacy Policy

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

1. Information We Collect

We collect personal information necessary to process your mortgage loan application and provide you with mortgage services. The types of information we collect include:

Information You Provide to Us:

• Personal Identification Information: Name, Social Security Number, date of birth, contact information (phone, email, address)
• Financial Information: Income, employment history, assets, debts, bank account information, tax returns, pay stubs, W-2s
• Property Information: Address and details about the property you're purchasing or refinancing
• Military Service Information: For VA loans, Certificate of Eligibility (COE), DD-214, service dates, branch of service
• Credit Information: Credit reports, credit scores, credit history

Information We Collect Automatically:

• Website Usage Data: IP address, browser type, device information, pages visited, time spent on pages
• Cookies and Tracking Technologies: We use cookies, Google Analytics, and Facebook Pixel to improve website functionality and marketing

2. How We Use Your Information

We use your personal information for the following purposes:

• Loan Processing: To evaluate, process, and underwrite your mortgage loan application
• Communication: To contact you about your loan, answer questions, and provide updates
• Legal Compliance: To comply with federal and state lending laws, regulations, and reporting requirements
• Fraud Prevention: To verify your identity and prevent fraud or illegal activity
• Service Improvement: To improve our website, services, and customer experience
• Marketing: With your consent, to send you information about mortgage products, rate updates, and refinancing opportunities

3. How We Share Your Information

We may share your personal information with third parties in the following circumstances:

With Your Consent:

• Lenders and Investors: To submit your loan application to mortgage lenders and investors
• Service Providers: Title companies, appraisers, credit bureaus, insurance companies, and other third parties necessary to process your loan

As Required by Law:

• Regulatory Agencies: State and federal regulators, including NMLS, state banking departments, and the CFPB
• Legal Obligations: Courts, law enforcement, or government agencies when required by law or legal process

We Do NOT:

• Sell your personal information to third parties
• Share your information with unaffiliated third parties for their marketing purposes without your consent
• Disclose your information to anyone not necessary for your loan transaction

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction:

• Encryption: All data transmitted through our website is encrypted using SSL/TLS technology
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Only authorized employees and service providers have access to your information
• Regular Audits: We conduct regular security audits and update our practices as needed

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience and analyze website traffic:

• Google Analytics: We use Google Analytics (GA4) to track website usage and improve our services
• Facebook Pixel: We use Facebook Pixel to measure advertising effectiveness and deliver targeted ads
• Tawk.to Chat: We use Tawk.to live chat to provide customer support

You can control cookies through your browser settings. Note that disabling cookies may limit website functionality.

6. Your Privacy Rights

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we have about you
• Correction: You may request that we correct inaccurate information
• Deletion: You may request deletion of your information (subject to legal retention requirements)
• Opt-Out: You may opt out of marketing communications at any time
• Do Not Call: You may request to be placed on our internal Do Not Call list

To exercise your rights, contact us:
Email: Joe.Metzler@CambriaMortgage.com
Phone: (651) 552-3681

7. Third-Party Links

Our website may contain links to third-party websites (such as lender portals, NMLS Consumer Access, or VA.gov). 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.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it immediately.

9. California Privacy Rights (CCPA)

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

• Right to know what personal information is collected, used, and shared
• Right to request deletion of personal information
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

California residents may submit requests by calling (651) 552-3681 or emailing Joe.Metzler@CambriaMortgage.com.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised policy.

11. Contact Us

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