privacy policy

Effective Date: January 1st, 2025

At American Home Equity Mortgage, we take your privacy seriously. This Privacy Policy outlines how we collect, use, and protect your personal information in compliance with all relevant privacy laws, including the California Consumer Privacy Act (CCPA), Children’s Online Privacy Protection Act (COPPA), and other applicable laws.

1. Information We Collect

We may collect the following categories of personal information:

Personal Identifiers: Name, address, email address, phone number, Social Security number, driver’s license number, and other identifying information.
Financial Information: Income, credit history, loan preferences, and other details related to mortgage applications.
Internet Activity: IP address, browser type, and browsing behavior on our Site.
Geolocation Data: General location based on your IP address.
Professional Information: Employment status, employer details, and other work-related information.

2. How We Use Your Information

We use the information we collect to:

Process loan applications and provide related services
Communicate with you about our services and promotions
Improve our Site and services
Comply with legal and regulatory requirements

3. Sharing of Information

We do not sell your personal information. However, we may share your information with:

Service Providers: To assist with processing loan applications, verifying information, and other business purposes
Government Authorities: When required by law or in response to valid legal requests
Third-Party Partners: With your consent or at your direction

4. Children’s Privacy (COPPA Compliance)

Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will delete it promptly.

5. Your Rights Under the CCPA

California residents have the right to:

Access: Request details about the personal information we collect.
Delete: Request the deletion of your personal information.
Opt-Out: Choose not to have your personal information sold (we do not sell personal information).

To exercise your rights, contact us at mark@ahemortgage.net.

6. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no online transmission is completely secure, and we cannot guarantee absolute security.

7. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. Changes will be posted on this page with the updated effective date.

8. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

American Home Equity Mortgage
NMLS #349307 | BRE #01468477
Phone: (619) 482-3700
Email: mark@ahemortgage.net