Privacy Policy

The Mortgage Mechanic ("we," "us," or "our") is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you visit our website, submit a form, apply for financing, or communicate with us by phone, SMS, or email. By using our website or services, you agree to this Privacy Policy.

1. Information We Collect

A. Personal information you provide

• Name, phone number, and email address
• Property information and loan-type preferences
• Financial or income details (if voluntarily submitted)
• Any information you provide on website forms

B. Automatically collected information

• Device information and IP address
• Browser type and pages viewed
• Cookies and tracking technologies

C. Information through communication

• Message content and call/SMS metadata
• Opt-in / opt-out status

2. How We Use Your Information

• Provide mortgage education and services
• Respond to inquiries and schedule consultations
• Process prequalification or loan-related requests
• Send important updates, reminders, and notifications
• Send marketing communications (only if you opt in)
• Improve website performance and user experience
• Comply with legal, regulatory, and financial-industry requirements

3. SMS Messaging & Compliance

By submitting your information, you consent to receive SMS messages from The Mortgage Mechanic if you explicitly opt in on our forms.

4. How We Share Your Information

A. Service providers

• CRM platforms
• Mortgage lenders or underwriting partners (only with your permission)
• Compliance or verification services
• SMS delivery platforms

B. Legal or regulatory requirements

We may disclose information to comply with law, regulation, court order, or legal investigation.

C. No selling of personal information

We do not sell, rent, or trade your personal information to third parties.

5. Data Security

We implement industry-standard security practices to protect your information, including encryption, secure servers, access-restricted systems, and regular compliance reviews. No method of transmission is 100% secure, but we take all reasonable precautions.

6. Cookies & Tracking Technologies

Our website may use cookies, pixels, tracking scripts, and analytics tools (e.g., Google Analytics) to improve user experience and marketing relevance. You can disable cookies through your browser settings.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy policies or content.

8. Children's Privacy

We do not knowingly collect information from individuals under 18 years old. If you believe a minor has submitted data, contact us to remove the information.

9. Your Rights

Depending on your state, you may have rights including access to your information, correction of inaccurate data, deletion requests, opting out of marketing communications, and requesting a copy of the information we store. To exercise any of these rights, email gzajac@hoothomeloans.com.

10. Contact Us

The Mortgage Mechanic · Powered by Hoot Home Loans LLC
Serving Florida, Texas & Arizona
Email: gzajac@hoothomeloans.com
Phone: (239) 919-6168

11. Updates to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with a revised "Last updated" date.