Privacy policy

The money, said first

A mortgage lender is who pays for this site. Traveling the other way is whatever you told the line or typed into the form. Every paragraph further down is machinery built around that one exchange, so it is the thing to know before reading any of them. None of it is compulsory either: read all fifty-odd pages here without dialing and without sending anything, and nothing of yours moves at all.

A handful of states have written "sale" and "share" into their privacy statutes with enough reach that handing an inquiry to a lender who funds the marketing lands inside the definition. Rather than test that in either direction, we assume it lands there. That assumption is why privacy requests is a page at all, and why the opt-out on it belongs to anybody who wants it, whatever state they happen to be sitting in, with no zip code checked first.

What you tell us — and what we never ask for

• The conversation. A name, a phone number, an email address, purchase or refinance, which township or borough, roughly what price, roughly when, a credit range where one is volunteered, plus whatever gets typed into the notes box or said out loud.
• Proof of the permission. The clock time it was given. The IP address behind it. The browser and device string. The page it went off. And the consent sentence exactly as it stood on screen, carrying its own version number, with the version number of this policy stored next to it.
• The call. An automated assistant takes every call to this number. Calls here may be recorded and transcribed, and the notice saying so is the first thing spoken, every time, because Pennsylvania asks each party on a call to agree before a recording runs. Hanging up at that point is a perfectly reasonable move.
• Ordinary server logs. IP address, browser, which pages were requested, and when.

Nobody here asks for a Social Security number, a birth date, an account number or a document, and nobody here wants one. Start reading digits like that down the phone and the line is built to interrupt you. That material belongs to the lender, and it goes over a secure channel the lender owns, never over this one.

What this site does not do

There are no advertising cookies on these pages. No third-party analytics, no tracking pixel, no social widget, nothing assembling a profile or trailing you off to the next site you open. The three calculators under figures do their arithmetic inside your own browser and report none of it back — change every number on all three and this end stays none the wiser.

Where it goes

• One licensed Pennsylvania mortgage lender. That is the whole of the introduction. The lender is a business standing on its own, holding its own licenses, running its own privacy policy and carrying its own duties, and the moment your details land there the lender is the one in charge of them. Where the loan you described is not one that lender works on, a second may take it up, and you hear about it when that happens.
• Companies working under our instruction. The telephone platform that carries the line and the assistant on it. The mail service that moves a set of notes from here to the lender. The host that puts these pages on a screen. Each acts on what we tell it, and on nothing of its own devising.
• Regulators, courts and our own advisers. Where a statute, a subpoena or a regulator leaves no choice, or where a lawyer or an auditor of ours needs it in order to answer a complaint made against us.
• Whoever buys the business. Sold or folded into something else, the records travel with it, and this policy travels with the records.

Nowhere else. No data broker, no list seller, no aggregator, no insurer, nobody running a campaign that has nothing to do with a mortgage. It is not posted anywhere and it is not for sale as a list. What the lender pays is set against marketing and technology work, and none of it is keyed to how large a loan is, what rate ends up on it, what fees appear on a settlement sheet, or whether a settlement ever happens.

Why we keep any of it

Here is the list, and there is nothing underneath it. Reading what you described closely enough to know which sort of loan it is. Getting it in front of a licensed Pennsylvania lender who works on that sort. Giving that lender a way to reach you. Following up afterwards. Acting on it the moment the answer changes to stop. And holding the evidence of what was agreed, at what minute, on which page. Visits and calls are also counted in bulk, with no name attached, so that we know which pages are earning their space.

Being contacted, and making it stop

Two things do the consenting: the box ticked on the form, and the permission answered out loud on the line. Between them they let Mortgage Montgomery County, PA, plus the one licensed Pennsylvania lender that takes an inquiry up, reach you by call, by text and by email. The written one goes further than the spoken one — it names an automatic telephone dialing system, it names an artificial, prerecorded or AI-generated voice, and it works even where that number is registered on a Do Not Call list. Clause by clause, the whole sentence is read out on communications consent.

It comes back off whenever you want it off. No reason required, nothing to fill in, and any sensible route counts: STOP by text, a sentence said on the phone, the contact page, or a letter. In practice it is done the day it arrives; ten business days is the outside limit held to, and the lender is told. One thing it does not reach: a lender you have gone on to work with directly keeps a separate permission of its own, so say it there as well. If working out who to say it to is the awkward part, ask on the phone.

How long any of it lives

Five years for the inquiry record, the consent proof, and any recording or transcript filed with them. Federal telemarketing rules assume a company can still produce proof of consent that far back, which is where the five comes from. Twenty-four months for page versions and the sources underneath them, because mortgage advertising rules assume the same about what a page once said. Server logs run a few months and then are gone. Anything past those dates is deleted outright or stripped of whatever pointed at a person. Ask for yours to go sooner and it goes, unless one particular legal duty or one live dispute stops it — and where that happens, the duty or the dispute gets named rather than waved at.

What you can ask for, wherever you live

Six things can be asked for. What is held. A copy of it. A correction to it. Its deletion. That it never reaches a lender at all. That the contacting stops. Where a state has written its own privacy statute, residents there hold those as legal rights; California and the states drawn like it add the right to opt out of the "sale" or "share" described further up this page. None of that geography gets checked here. Anybody may ask, from anywhere, and it is honored the same way.

Three routes: the privacy requests page, or (610) 735-7774, where saying it in your first sentence is enough. An answer comes inside 45 days. Before a record can be handed over it has to be matched against whatever number or address came in with it, and that is the entire verification — no document, no photograph, no account to log into. An authorized agent can stand in for you, provided the permission to do that exists in writing. There is no fee for any of this and no consequence for having asked. A refusal arrives with its reason and the route to appeal it; an appeal that also goes against you leaves the complaint with your state attorney general.

How it is protected

Every page is served over HTTPS. A form post is encrypted and it lands on this domain rather than at somebody else's endpoint. The people who can open an inquiry record are the ones with a reason to, on accounts carrying two-factor authentication. Recordings and transcripts are held by the telephone provider under a contract. Nothing is airtight, and saying otherwise would be a lie: where a breach ever touches what we hold about you, you get told, the regulators the statute names get told, and both happen inside the window the statute sets.

Financial privacy law, and children

Mortgage lending is the neighborhood this work sits in, close enough that a portion of what passes through here may land under the federal statute known as the Gramm-Leach-Bliley Act, together with the privacy rule beneath it. Wherever a portion does, we operate inside it, restrictions on re-using anything a financial institution sent us included. Your lender hands you a privacy notice of its own, and from the second an inquiry arrives on that side, that notice is the one running it. Separately: this is a site for adults. Nothing is knowingly collected here from anyone under 18, and if it turns out something was, it is deleted as soon as we know.

Changes, and reaching us

A change to this policy shows up here as a fresh date and a fresh version number. Whatever was standing the day an inquiry went off stays filed against that inquiry, so the two never drift apart. Questions, requests and complaints all travel the same way: (610) 735-7774, or the contact page.