Privacy Policy

We may collect the following types of information:

Information you provide directly, such as when you submit a contact form, request a rate quote, or begin a loan inquiry:

• Name, phone number, email address

• Information about your homebuying or refinancing goals (e.g., purchase, refinance, first-time buyer, investment property)

• Any additional information you choose to share in a message or during a consultation

Information collected automatically, such as when you browse our site:

• IP address, browser type, device type

• Pages visited and time spent on the site

• Referring website or search terms

• [Insert if applicable: Cookies and similar tracking technologies via Google Analytics/Facebook Pixel/etc.]

Information collected during the loan process: If you move forward with a mortgage application, additional sensitive financial information (such as income, assets, credit history, and Social Security number) will be collected separately through secure, compliant channels as part of the loan application — not through this website's contact form.

​

3. How We Use Your Information

​

We collect and retain your information solely to provide you with our mortgage brokerage services — nothing more. This includes:

• Responding to your inquiries and providing requested information about mortgage products

• Scheduling consultations and following up on loan applications

• Processing and supporting your loan application from pre-approval through closing

• Complying with applicable state and federal lending regulations

• Sending you information you've directly requested (we do not send unsolicited marketing without your consent)

We do not use your information for any purpose beyond delivering the services you've engaged us for. We do not sell your personal information, and we never will. This applies to all information you provide us, at any stage of the process, without exception.

​

4. How We Share Your Information

​

We do not sell, rent, or trade your personal information to anyone, for any reason. We only share your information in the following limited circumstances, and only as needed to provide our services:

• With lenders, underwriters, or other parties directly involved in processing your loan application, and only with your knowledge as part of that process

• With service providers who help us operate our website or business (e.g., website hosting, email services), under confidentiality obligations

• When required by law, regulation, or legal process

• With your explicit consent

• ​

5. Cookies and Analytics

​

[Insert if applicable] This website may use cookies and similar technologies to understand site traffic and improve user experience. You can disable cookies through your browser settings, though some site features may not function properly as a result.

​

6. Data Retention

​

We retain your information only for as long as necessary to provide our services to you and to meet legal, regulatory, and recordkeeping obligations associated with mortgage lending. We do not keep your information longer than needed for these purposes, and we do not repurpose it for uses outside the scope of the services you've requested.

​

7. Data Security

​

We take reasonable administrative, technical, and physical measures to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

​

8. Your Choices

​

You may contact us at any time to:

• Ask what personal information we have collected about you

• Request corrections to your information

• Opt out of non-essential communications

• ​

9. Children's Privacy

​

Our website and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

​

10. Changes to This Policy

​

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision.

​

11. Contact Us

​

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

Clear to Close West Michigan terri@ctcmortgagewm.com 231-286-2023