Privacy Policy

Your Mortgage Expert LLC ("we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through this website and our text messaging (SMS) communications, how we use it, and the choices available to you. By using this website or opting in to receive messages from us, you agree to the practices described below.

1. Information We Collect

When you interact with us — including through our website chat widget, phone, or email — we may collect:

• Contact information: name, phone number, email address, and mailing address.
• Communication data: the content of your messages to us, message delivery status, and your opt-in or opt-out preferences.
• Date of birth, where required to comply with mobile carrier age-verification rules applicable to financial services messaging campaigns (collected only through our compliant chat widget opt-in, not stored elsewhere on this site).
• Mortgage-related information you choose to share with us in the course of a consultation, such as details about your purchase or refinance goals. We do not collect Social Security numbers, income documentation, or other sensitive financial application data through this website or its chat widget — that information, if needed, is collected through secure, separate channels as part of a formal loan application.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and schedule consultations;
• Send informational and transactional messages related to a request you've made (for example, confirming a scheduled call or following up on a question you asked);
• Send marketing messages you've separately opted in to receive, including invitations to educational webinars and events, market updates, and other promotional content about our mortgage advisory services;
• Improve our website and communications; and
• Comply with applicable law, licensing, and regulatory requirements.

3. SMS/Text Messaging Consent

Our website's chat widget offers two separate ways to opt in to text messages from Your Mortgage Expert LLC. You may opt in to either category independently, both, or neither — choosing one never automatically enrolls you in the other, and neither checkbox is pre-selected on your behalf:

• Informational/Transactional messages: responses to your questions, appointment confirmations and reminders, and status updates on a request you've made.
• Marketing messages: invitations to educational webinars and events, market updates, and other promotional or nurture content about our mortgage advisory services.

Consent to receive either category of text messages is never a condition of receiving our services.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors that support our services — such as customer service or messaging-platform providers — is permitted solely for the purpose of delivering that service. All other categories of use exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Opting Out

You may opt out of receiving text messages from us at any time by replying STOP to any message. If you opted in to both informational/transactional and marketing messages, replying STOP to a message in one category opts you out of that category; you may still opt out of the other category separately if you continue receiving it. After opting out of a category, you will receive one final confirmation message and no further texts in that category, unless you opt back in. For help at any time, reply HELP or contact us directly using the information in Section 9 below.

5. Sharing of Information

We do not sell or rent your personal information. We may share information with:

• Service providers who support our operations (for example, our CRM and messaging platform provider), solely to help us deliver the services you've requested;
• Regulators, licensing authorities, or legal entities where required by law, subpoena, or valid legal process; and
• A successor entity in the event of a merger, acquisition, or sale of business assets, subject to the same privacy commitments described here.

6. Data Security

We use reasonable administrative and technical safeguards to protect the information you share with us. However, no method of transmission over the internet or mobile networks is completely secure, and we cannot guarantee absolute security.

7. Message Frequency & Rates

Message frequency varies depending on your interaction with us. Standard message and data rates may apply based on your mobile carrier plan. Your carrier is not liable for delayed or undelivered messages.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Continued use of this website or our messaging services after changes are posted constitutes acceptance of the updated policy.

9. Contact Us

Questions about this Privacy Policy or how your information is used can be directed to:

Your Mortgage Expert LLC
68 Entwistle Ave, Nutley, NJ 07110
Phone: (201) 528-6550
Email: [email protected]