CCPA Disclosure

1. Who This Applies To

This disclosure applies to California residents who visit our website or submit information through our contact or application forms. Mortgage Inc (NMLS# 2028516) is headquartered at 2111 I-35 S Frontage Rd, Ste 1105, New Braunfels, TX 78130, and is licensed to do business in Florida and Texas. Even though we are not licensed in California, California residents may visit our website and are entitled to this disclosure.

2. Categories of Personal Information We Collect

In the last 12 months, we have collected the following categories of personal information:

• Identifiers: Name, email address, phone number, IP address
• Financial Information: Income, employment history, credit score range, assets, debts
• Property Information: Property address, purchase price, intended use
• Internet Activity: Browsing history on our website, pages visited, referring URLs
• Geolocation Data: General location derived from IP address
• Communications: Records of correspondence with us via email, phone, or web forms

3. Sources of Personal Information

We collect personal information from the following sources:

• Directly from you (contact forms, application forms, phone calls, emails)
• Automatically when you use our website (cookies, analytics tools)
• From third parties such as credit bureaus and wholesale lending partners (only when you apply for a loan)

4. Purposes for Collecting Personal Information

We collect personal information for the following business purposes:

• To respond to your mortgage inquiries and consultation requests
• To process pre-qualification applications
• To provide personalized mortgage recommendations
• To comply with legal, regulatory, and licensing requirements
• To improve website functionality and user experience
• To communicate with you about relevant loan programs and updates

5. Sharing of Personal Information

We do not sell your personal information. We do not share your personal information with third parties for cross-context behavioral advertising.

We may share your personal information with the following categories of third parties for business purposes:

• Wholesale Lenders: When processing a loan application, with your consent
• Service Providers: Technology providers who assist with website hosting, analytics, and communications, under confidentiality obligations
• Government Agencies: As required by law, legal process, or regulatory requirement

6. Your California Privacy Rights

As a California resident, you have the following rights under the CCPA/CPRA:

• Right to Know: You may request that we disclose what personal information we have collected about you, including the categories, sources, and purposes of collection.
• Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions (e.g., legal obligations).
• Right to Correct: You may request that we correct inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale/Sharing: You have the right to direct us not to sell or share your personal information. As noted above, we do not sell or share personal information for advertising purposes.
• Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of sensitive personal information (such as financial data) to purposes necessary to provide services you request.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

7. How to Submit a Request

To exercise your California privacy rights, please submit a verifiable consumer request by contacting us using one of the following methods:

• Email: Jashkenazy@mortgage-inc.com
• Phone: (561) 726-0601
• Mail: Jonathan Ashkenazy / Mortgage Inc, 2111 I-35 S Frontage Rd, Ste 1105, New Braunfels, TX 78130

We will respond to verifiable requests within 45 days. If we need more time (up to 90 days), we will notify you of the extension and the reason.

8. Verification Process

To protect your privacy, we must verify your identity before processing a request. We may ask you to provide certain information to confirm you are the person about whom we collected information.

9. Authorized Agents

You may designate an authorized agent to submit requests on your behalf. We may require the authorized agent to provide written proof of authorization and may require you to verify your identity directly.

10. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies for analytics purposes. You may control cookies through your browser settings. Disabling cookies may affect your experience on our website. We do not use cookies for advertising or cross-site tracking.

11. Do Not Sell or Share My Personal Information

We do not sell or share personal information as defined under the CCPA/CPRA. If our practices change, we will update this disclosure and provide a clear opt-out mechanism.

12. Contact for Privacy Inquiries

• Jonathan Ashkenazy, NMLS# 1993619
• Mortgage Inc, NMLS# 2028516
• 2111 I-35 S Frontage Rd, Ste 1105, New Braunfels, TX 78130
• Email: Jashkenazy@mortgage-inc.com
• Phone: (561) 726-0601