Privacy Policy
Effective Date: September 1, 2021
Last Updated: April 25, 2025
Porch Point Mortgage (“Porch Point”, “we”, “our”, or “us”) is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you interact with us — whether you’re applying for a mortgage, browsing our website, or communicating with our team.
1. Information We Collect
We collect information in several ways:
A. Information You Provide to Us
When you interact with Porch Point Mortgage, you may provide:
- Name, phone number, email address, and physical address
- Social Security number and other identifiers (for loan application purposes)
- Financial and employment information
- Communication preferences and marketing consent
- Any documents you upload or submit as part of your loan application
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B. Information Automatically Collected
When you visit our website or use our digital tools, we may collect:
- IP address and browser type
- Device information and operating system
- Site usage data (pages visited, time on site, links clicked)
- Cookies, pixels, and tracking data
C. Information from Third Parties
We may receive data from:
- Credit reporting agencies
- Public databases
- Referral partners (like real estate agents)
- Technology vendors or CRM platforms you engage with via our forms
2. How We Use Your Information
We use your information to:
- Process and underwrite mortgage applications
- Schedule and confirm appointments
- Send loan status updates, requests for documents, and reminders
- Provide personalized service and loan recommendations
- Improve website performance and marketing strategies
- Comply with regulatory or legal obligations
- Communicate offers and promotions (if you've opted in)
3. How We Share Information
We do not sell your personal information. We may share data with:
- Lenders and underwriters – to process your mortgage
- Vendors and service providers – who support business operations (e.g., CRM tools, cloud storage, analytics)
- Government agencies – for legal or compliance purposes
- Real estate professionals – if you’ve given us permission
- Authorized third parties – with your explicit consent
All partners are required to handle your data responsibly and in accordance with this policy.
4. Your Choices and Rights
You have the right to:
- Access or request correction of your personal data
- Opt out of SMS communications by replying STOP
- Opt out of marketing emails by clicking “unsubscribe”
- Request deletion of your data (subject to compliance and legal restrictions)
To exercise these rights, contact us at hello@porchpointmortgage.com.
5. How We Protect Your Information
We follow industry-standard security practices, including:
- Encrypted data transmission
- Secure document storage
- Limited employee access to sensitive data
- Regular monitoring of our systems and vendors
Despite our efforts, no system is 100% secure. We recommend using strong passwords and safe browsing habits.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Improve user experience
- Analyze website traffic
- Deliver relevant advertising (if consented)
You can control cookie settings through your browser or device preferences.
7. Third-Party Links
Our website may include links to third-party websites. We do not control those websites or their privacy practices. Please review their policies before sharing information.
8. Children’s Privacy
Porch Point Mortgage does not knowingly collect information from children under the age of 13. If you believe we’ve collected information from a minor, please contact us immediately so we can delete it.
9. Policy Updates
We may update this Privacy Policy periodically. Any changes will be posted here with an updated effective date. Your continued use of our site or services means you accept the updated terms.
10. Contact Us
For questions or concerns about this Privacy Policy, please contact us:
Porch Point Mortgage
1403 Weatherly Road, Suite 101
Huntsville, AL, 35803
📧 hello@porchpointmortgage.com
📞 256-666-4073
🌐 https://www.porchpointmortgage.com