Effective Date: April 24, 2026

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, use our services, or interact with our tools, including our mortgage calculator (collectively, the “Services”).

By using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

a. Personal Information

Information you voluntarily provide, including:

Name

Email address

Phone number

Mailing address

Employment and income information

Financial and credit-related information (when submitting a loan application)

b. Non-Personal Information

Information collected automatically, including:

IP address

Browser type and device information

Pages visited and time spent on the site

Cookies and tracking technologies

c. Mortgage Calculator Data

Information you input into our mortgage calculator (e.g., income, loan amount, home price, interest rate assumptions) may be collected to improve functionality and user experience, but is not considered a formal loan application.

2. How We Use Your Information

We use your information to:

Provide and improve our Services

Process inquiries and loan applications

Communicate with you about your application or requests

Send updates, marketing, or promotional communications (where permitted by law)

Personalize your experience on our website

Comply with legal and regulatory requirements

3. Sharing of Information

We may share your information with:

Service Providers: Third parties who help us operate our business (e.g., CRM systems, marketing platforms, hosting providers)

Lending Partners: Banks, investors, or underwriting partners involved in processing your loan

Legal and Regulatory Authorities: When required to comply with applicable laws, regulations, or legal processes

Business Transfers: In connection with a merger, sale, or transfer of assets

We do not sell your personal information to third parties.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Enhance website functionality

Analyze traffic and usage patterns

Improve user experience

You can adjust your browser settings to refuse cookies; however, some features of the website may not function properly.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the Internet is completely secure, and we cannot guarantee absolute security.

6. 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

The right to request correction or deletion of your information

The right to opt out of certain data uses, such as marketing communications

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

7. Third-Party Links

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

8. Children’s Privacy

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

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective upon posting. Your continued use of the Services constitutes your acceptance of the revised policy.

10. Contact Us

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

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

11. Equal Housing Opportunity

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



12. Electronic Communications

By using our Services, you consent to receive electronic communications related to your inquiries, applications, and account.

Please review this Privacy Policy carefully to understand how we handle your information.