Privacy Policy

Zoom Mortgage LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website zoommortgage-llc.com or contact us through any of our communication channels.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our services.

1. Information We Collect

Information You Provide Directly

We collect information you voluntarily provide when you:

• Submit a contact or inquiry form on our website
• Request a mortgage pre-approval, quote, or consultation
• Opt in to receive SMS/text messages or email communications
• Correspond with us via email or other channels

This information may include: your name, email address, general location, loan type of interest, and any information you include in messages to us.

Automatically Collected Information

When you visit our website, we may automatically collect certain technical information, including IP address, browser type and version, pages visited, time and date of visits, and referring URLs. This information is used for website analytics and security purposes only.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide mortgage consultation services
• Process loan applications and related documentation
• Send marketing and promotional SMS/MMS messages when you have expressly consented to receive them
• Send email updates and information about our services when you have opted in
• Improve our website, services, and customer experience
• Comply with applicable laws and regulatory requirements
• Protect against fraud, unauthorized access, and other security threats

3. SMS & Text Message Communications

How We Obtain SMS Consent

We obtain your express written consent before sending any marketing or promotional text messages. Consent is collected through a clearly labeled, unchecked opt-in checkbox on our contact form. The consent checkbox is separate from any email or newsletter opt-in. We will not send you marketing text messages unless you have affirmatively checked this box.

Opting Out of SMS Messages

You may opt out of receiving SMS messages from us at any time by replying STOP to any text message we send. After opting out, you will receive a one-time confirmation message and then no further marketing text messages. To re-subscribe, you may opt in again through our website or by replying START.

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties for their own marketing purposes. We may share your information in the following limited circumstances:

• Service Providers: We may share information with trusted vendors who assist us in operating our business (e.g., website hosting, email delivery, CRM platforms), subject to confidentiality agreements. These parties are not permitted to use your information for their own marketing.
• Regulatory Compliance: We may disclose information as required by applicable law, regulation, court order, or governmental authority.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.
• Protection of Rights: We may disclose information where necessary to protect the rights, property, or safety of Zoom Mortgage LLC, our clients, or the public.

We do not share SMS opt-in data or consent information with any third parties for any purpose.

5. Data Security

We implement commercially reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• The right to access information we hold about you
• The right to request correction of inaccurate personal information
• The right to request deletion of your personal information, subject to legal retention requirements
• The right to opt out of marketing communications at any time
• The right to opt out of SMS communications by replying STOP to any message

To exercise any of these rights, please contact us at vincent@zoommortgage-llc.com.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to improve your browsing experience, analyze website traffic, and understand where our visitors are coming from. You can control cookie settings through your browser preferences. Disabling cookies may affect certain website functionality.

8. Children's Privacy

Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have inadvertently collected such information, we will take steps to delete it promptly. If you believe we may have collected information from a child under 18, please contact us immediately.

9. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this policy. We encourage you to review this policy regularly. Your continued use of our website following any changes constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

• Company: Zoom Mortgage LLC
• Address: 14061 23 Mile Road, Shelby Township, MI 48315
• Email: vincent@zoommortgage-llc.com
• EIN: 991801131