1. About this policy
This Privacy Policy explains how Mario's Home Loans LLC ("Mario's Home Loans," "we," "us," or "our") may collect, use, protect and disclose information when you visit our website, contact our team or inquire about home loan services. Our business contact information appears in Section 11.
This policy applies to our website and related inquiry communications. Any financial institution or lending partner handling a formal mortgage application may provide additional privacy notices governing its own information practices.
2. Information we collect
Depending on how you interact with us, information may include:
- Contact details: your name, email address, phone number and the information you choose to provide when calling or emailing.
- Home financing inquiries: general information about a possible purchase, refinance, property or preferred contact method.
- Communication records: correspondence, inquiry history, any documented communication preferences and applicable consent records.
- Technical information: information such as device type, browser, IP address, referring pages and website usage information, if collected by our hosting or analytics services.
Please do not send Social Security numbers, account credentials, complete loan applications or sensitive financial documents through ordinary email unless you have been given an appropriately secure method.
3. How we use information
We may use information to respond to inquiries, provide information about mortgage related services, communicate about requested appointments, manage customer relationships, improve website security and operations, keep business records and comply with applicable legal obligations.
We do not use the act of visiting a website, calling once or sending an unrelated email as automatic permission to enroll someone in a marketing text message program.
4. Text messaging and consent
SMS participation is optional. If you separately and affirmatively consent to receive SMS from Mario's Home Loans, we may send the categories of messages described at the time of consent, such as inquiry follow up, scheduling, appointment reminders or promotional messages where marketing consent has been expressly obtained.
Message frequency varies. Message and data rates may apply. You may reply STOP to opt out and HELP for assistance. You may also contact us using the information below. Consent to marketing texts is not a condition of purchasing goods or services.
This website does not currently contain an SMS enrollment form. Any enrollment for texts must occur through a separate documented opt in method. See our Terms and Conditions for additional messaging terms.
5. How information may be shared
Where necessary, we may disclose information to service providers that assist us with hosting, customer relationship management, secure communication, information technology or other business operations. Information relevant to a mortgage inquiry may be shared with an appropriate lender or professional with your direction, authorization or where otherwise permitted by law.
We may also disclose information if legally required, to address fraud or security concerns or in connection with a legitimate business transaction subject to applicable rules. Any mortgage application or consumer financial information is subject to additional legal requirements and applicable notices.
We do not share SMS opt in consent with third parties or affiliates for their marketing.
6. Cookies and website tools
Our website and providers may use necessary cookies or similar tools to keep the site operating, assess performance and understand general site usage if such tools are enabled. Your browser generally allows you to manage or block cookies, although some features may not function as expected.
This policy does not represent that a specific advertising pixel, analytics product or cookie platform is installed. The final published policy should be reviewed against the actual tracking technologies used.
7. Security and retention
We use reasonable administrative, technical and operational precautions appropriate to the type of information handled. No website or communication channel can be guaranteed completely secure. We retain information for as long as reasonably necessary to provide services, maintain records, address legal requirements and protect legitimate business interests.
8. Your choices and privacy requests
You may contact us to request access to or correction of the personal information we hold, to ask about deletion where applicable, or to change communication preferences. Depending on applicable law and our role, additional rights or exceptions may apply. We may need to verify your identity before responding to a request.
To stop marketing emails, follow applicable unsubscribe instructions or contact us. For text messages, reply STOP to the number that sent the message.
9. Third party websites
Our site may contain links to independent mortgage, lender or other websites. Their information practices are governed by their own privacy policies. We encourage you to review those policies before submitting personal or financial information.
10. Children's privacy
Our site is intended for adults seeking home financing information. We do not knowingly seek information from children under 13. If you believe a child has provided personal information to us, please contact us.
11. Privacy contact
Mario's Home Loans LLC
401 Mendocino Ave, Suite F, Santa Rosa, CA 95401
Email: [email protected]
Phone: (707) 843-0869
For a privacy question or request, please identify the nature of the request, but do not email sensitive financial account information or identity documents unless a secure method is arranged.
12. Changes to this policy
We may update this policy periodically. Any revised version will be posted on this page with a new effective date. Material changes to information practices may require additional notice or consent where applicable.