This Privacy Policy explains how Mortgages By Julie ("we," "us," "our") collects, uses, protects, and shares information from visitors ("Users") of the https://mortgagesbyjulie.com website ("Site"). This policy applies to all information collected on the Site and through any services offered, including online forms, calculators, and the secure loan application portal.

1. Personal Information We Collect

We may collect personal identification information from Users in several ways, including when you:

Fill out a contact form
Request a mortgage pre-approval
Use mortgage calculators
Subscribe to updates or newsletters
Apply for a loan using our secure Loan Operating System (LOS) partner link
Schedule a consultation

Information you may be asked to provide includes:

Name
Email address
Phone number
Property details or loan preferences
Income and asset information (only when voluntarily provided or submitted through LOS)

Users may visit the Site without providing personal information. We only collect personal information if you voluntarily submit it. Choosing not to provide certain information may limit your ability to access certain services.

2. Non-Personal Information We Collect

We may automatically collect non-personal data when Users interact with the Site, including:

Browser type
Device type
Operating system
IP address
Pages viewed
Time spent on the Site
Referring websites
General usage patterns

This information helps us improve the Site, diagnose issues, and understand visitor behavior.

3. Cookies and Tracking Technologies

Our Site may use cookies and similar technologies to:

Improve User experience
Remember preferences
Monitor website performance
Support analytics
Personalize content

Users can choose to refuse cookies through their browser settings. Some Site features may not function properly without cookies.

4. How We Use Your Information

Mortgages By Julie may use collected information for the following purposes:

To provide mortgage services

Information submitted through forms or our LOS partner may be used to begin a pre-approval, answer questions, or provide requested mortgage options.

To improve customer service

Your information helps us respond to inquiries efficiently.

To improve our website

We analyze behavior to enhance usability and functionality.

To personalize User experience

We may use aggregated data to understand how visitors use the Site.

To send periodic communication

If you opt in, we may send:

Updates
Educational content
Mortgage market information
Appointment confirmations or reminders

You may unsubscribe at any time by following the link in the email or contacting us directly.

5. Information Shared With Third Parties

We do not sell, rent, or trade your personal information.

We may share information only with:

Our secure Loan Operating System (LOS) provider when you complete a loan application
Trusted service providers who help operate our website or marketing tools, under confidentiality agreements
Compliance, legal, or regulatory agencies when required by law

Third party partners are only given the minimum information necessary to provide their service.

6. How We Protect Your Information

We use industry standard administrative, technical, and physical safeguards to protect your information, including:

Secure data storage
Encrypted transmission where applicable
Limited access systems
Regular vulnerability monitoring

Although no website can guarantee perfect security, we take reasonable steps to protect your data from unauthorized access, alteration, disclosure, or destruction.

7. Third Party Websites

Our Site may contain links to websites operated by partners, lenders, or other third parties. We are not responsible for their content or privacy practices. Users should review the privacy policies of any external websites they visit.

8. Children's Privacy

In compliance with the Children's Online Privacy Protection Act (COPPA), we do not knowingly collect or maintain information from individuals under 13 years old, and no part of our Site is designed to attract children.

9. Changes to This Privacy Policy

Mortgages By Julie may update this Privacy Policy at any time. When we do, the updated date at the top of this page will be revised. Continued use of the Site signifies your acceptance of these changes.

10. Your Acceptance of These Terms

By using this Site, you acknowledge and agree to this Privacy Policy. If you do not agree, please discontinue use of the Site. Continued use after updates indicates acceptance of modifications.

11. Contact Us

If you have questions about this Privacy Policy or your personal information, please contact:

Mortgages By Julie

Parker, Colorado

Phone: (774) 289-1379

Email: julie@mortgagesbyjulie.com