Privacy Policy

This policy explains how The Mortgage Advisory, Inc. (NMLS #1549739) ("we," "us") handles information collected through this website. When you apply for a loan, you'll also receive our separate Privacy Notice required by the Gramm-Leach-Bliley Act, which governs the financial information in your application.

What information we collect

• Information you give us: your name, phone number, email, and details you share when you book a call, request a free guide, contact us, or use our AI chat assistant.
• Chat messages: the questions you type into our AI assistant. Please don't share Social Security numbers, account numbers, or dates of birth in chat; our system tries to remove them automatically before processing.
• Technical information: your IP address, browser type, and pages visited, collected by our hosting provider for security and to keep the site running.

We don't ask for or accept Social Security numbers, account numbers, or bank logins through this website.

How we use it

• To answer your questions and respond to your requests
• To schedule and hold the calls you book
• To send you a guide you request and, if you agreed when you asked for it, occasional emails about reverse mortgages and home financing. Every email has an unsubscribe link, and you can also unsubscribe by emailing Ace@TheMortgageAdvisory.com.
• To keep the site secure and prevent abuse (for example, limiting how many chat messages can be sent in a short time)
• To comply with law and regulation

Who we share it with

• Service providers that help us run the site and our business, such as our website host, our AI provider (which processes chat messages to generate answers), and our scheduling system (which handles bookings). They may use the information only to provide services to us.
• Partner lenders, only if you choose to move forward with a loan we arrange through them.
• When required by law, or to protect our rights and the security of our users.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

Text messages (SMS)

We never share your mobile phone number or your consent to receive text messages with third parties or affiliates for their marketing or promotional purposes. Text messaging opt-in data and consent are excluded from all of the sharing described above and are never sold, rented, or shared, except with the service providers that deliver our messages for us.

If you agree to receive texts from us, you'll get messages about your inquiry, appointments, and loan. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help.

Cookies

We don't use advertising cookies. Our booking calendar is provided by a third-party scheduling service that may set its own cookies when you use it.

Your California privacy rights

If you live in California, you have the right to know what personal information we collect, to ask us to delete or correct it, and to limit the use of sensitive personal information. We won't treat you differently for using these rights. Information covered by federal financial privacy laws (such as loan application data) is handled under those laws. To make a request, email Ace@TheMortgageAdvisory.com or call (949) 649-4499. We'll verify your request before acting on it. See also Do Not Sell or Share My Personal Information.

How long we keep it

We keep information only as long as needed for the purposes above or as required by law and regulation.

How we protect it

We use reasonable administrative, technical, and physical safeguards. No website is perfectly secure, so please don't send sensitive financial details through chat or email.

Children

This site isn't meant for anyone under 18, and we don't knowingly collect information from children.

Changes and contact

We'll post any changes here with a new "last updated" date. Questions? Contact The Mortgage Advisory, Inc., 999 Corporate Drive, Ste 100, Ladera Ranch, CA 92694, (949) 649-4499, Ace@TheMortgageAdvisory.com.