Melinda Hennessey (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website, submit a form, use our services, or interact with our tools, including our mortgage calculator.

By using our website or services, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal information you voluntarily provide, including your name, email address, phone number, mailing address, employment information, income information, financial information, and credit-related information when you submit a mortgage inquiry or loan application.

We may also collect non-personal information automatically, including your IP address, browser type, device information, pages visited, time spent on the website, cookies, and similar tracking data.

If you use our mortgage calculator, we may collect the information you enter, such as income, estimated loan amount, home price, interest rate assumptions, or other calculation details. Mortgage calculator information is for estimate purposes only and is not considered a formal loan application.

2. How We Use Your Information

We may use your information to respond to inquiries, communicate with you about mortgage options, process loan applications, schedule appointments, provide updates about your pending mortgage application, request missing documents, improve our website and services, personalize your experience, send permitted marketing or promotional communications, and comply with legal or regulatory requirements.

3. SMS/Text Message Communications

By providing your phone number and selecting the SMS opt-in checkbox on our website forms, you consent to receive text messages from Melinda Hennessey related to your mortgage inquiry, loan application, appointment reminders, application updates, document requests, and related mortgage services.

Message frequency may vary. Message and data rates may apply. You may opt out of receiving text messages at any time by replying STOP. For assistance, reply HELP.

If you separately opt in to promotional or marketing text messages, you may receive occasional messages regarding mortgage programs, refinancing opportunities, or related services. Marketing text messages are only sent when permitted by law and when consent has been provided.

SMS consent is not a condition of purchasing any product or service.

4. SMS Opt-In Data

SMS opt-in consent and phone numbers collected for SMS communication purposes will not be sold, rented, or shared with third parties for their own marketing purposes.

We do not share SMS opt-in data with third parties for unrelated promotional or marketing use. SMS data may be shared only with service providers who help us deliver messages, manage communications, operate our CRM, or support our business, and only as necessary to provide those services.

5. Sharing of Information

We may share your information with service providers who help us operate our business, including CRM systems, marketing platforms, website hosting providers, communication tools, and technology vendors.

We may also share information with lending partners, banks, investors, underwriting partners, or other parties involved in processing or servicing your mortgage inquiry or loan application.

We may disclose information when required by law, regulation, legal process, or governmental request, or in connection with a business transfer such as a merger, sale, or transfer of assets.

We do not sell your personal information to third parties.

6. Cookies and Tracking Technologies

We may use cookies and similar technologies to improve website functionality, analyze traffic, understand website usage, and improve the user experience. You can adjust your browser settings to refuse cookies, but some website features may not function properly.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Rights

Depending on your state of residence, you may have rights regarding your personal information, including the right to access the information we collect about you, request correction or deletion of your information, or opt out of certain data uses such as marketing communications.

To exercise these rights, please contact us using the information below.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices, policies, or content of those third-party websites.

10. Children’s Privacy

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be effective when posted on this page. Your continued use of our website or services after changes are posted means you accept the updated Privacy Policy.

12. Electronic Communications

By using our website, submitting a form, or engaging with our services, you consent to receive electronic communications related to your inquiries, applications, appointments, and account-related matters.

13. Equal Housing Opportunity

We are an Equal Housing Opportunity lender and comply with applicable fair lending laws.

14. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact us:

Melinda Hennessey
Idaho Falls, Idaho 83401
208-745-3237
melinda@melindahennessey.com