Privacy Policy

Cremon Mortgage Experts Corp. (“Cremon Mortgage Experts,” “Cremon,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you:

• Visit www.cremonmortgageexperts.com;
• Use our Home Equity Line of Credit or other mortgage-related landing pages;
• Submit an online inquiry or eligibility-review form;
• Request a call, text message, WhatsApp conversation, or consultation;
• Apply for or inquire about a mortgage or home-equity product;
• Upload or provide documents; or
• Otherwise communicate with Cremon Mortgage Experts.

By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

1. About Cremon Mortgage Experts

Cremon Mortgage Experts Corp. is a licensed mortgage broker. We arrange mortgage financing through independent third-party lenders. We do not make loans or lend our own funds.

Cremon Mortgage Experts Corp.
11 Chestnut Street, Suite 6A
Andover, MA 01810

Phone: (781) 367-5059
Email: priscila@cremonmortgageexperts.com

Mortgage Broker, Massachusetts License No. MB2549058.
Priscila Cremon, Mortgage Loan Originator, NMLS #1528137.

Products and services are available only in jurisdictions where Cremon Mortgage Experts and the applicable mortgage professional are authorized to conduct business.

2. Information We Collect

The information we collect depends on how you interact with us and the service you request.

A. Contact and Identification Information

We may collect:

• First and last name;
• Telephone number;
• Email address;
• Mailing or residential address;
• Preferred language;
• Date of birth;
• Government-issued identification;
• Social Security number or Individual Taxpayer Identification Number when required for a formal application or verification process.

We generally do not request Social Security numbers, full bank-account numbers, tax returns, or identification documents through a basic website contact form.

B. Property and Financing Information

We may collect information including:

• Property address;
• Property type;
• Property ownership structure;
• Primary, secondary, or investment occupancy;
• Whether the property is currently listed for sale;
• Estimated property value;
• Current mortgage balance;
• Existing liens;
• Requested loan or credit-line amount;
• Intended use of funds;
• Information about a purchase, refinance, HELOC, renovation, investment, or other financing request.

C. Financial and Application Information

When you proceed beyond an initial inquiry, we may collect:

• Employment and self-employment information;
• Income and revenue information;
• Bank statements;
• Tax returns and tax transcripts;
• Pay stubs, W-2s, 1099s, and profit-and-loss statements;
• Assets, reserves, debts, and monthly obligations;
• Credit history and credit-score information;
• Business ownership information;
• Information needed to verify income, employment, assets, identity, property ownership, or eligibility;
• Documents and explanations submitted in connection with an application.

Sensitive documents should be provided only through a secure method approved by our team.

D. Credit Report Information

We may request authorization to obtain a consumer credit report through a soft or hard credit inquiry.

Submitting a general website inquiry does not, by itself, authorize a credit inquiry.

Before obtaining a credit report, we will request the authorization required for the applicable review. An initial eligibility review may use a soft credit inquiry that generally does not affect a consumer’s credit score. A lender or other provider may require a hard credit inquiry later in the process under a separate authorization.

E. Communications

We may collect and maintain records of communications with you, including:

• Emails;
• Telephone calls;
• SMS or MMS messages;
• WhatsApp conversations;
• Voicemails;
• Online chat messages;
• Appointment information;
• Notes made by our team;
• Documents, photographs, and other files you submit.

Calls or meetings may be recorded only when permitted by law and after any notice or consent required by applicable law.

F. Website and Device Information

When you use our website, we or our service providers may automatically collect:

• Internet Protocol address;
• Browser and device type;
• Operating system;
• Approximate location derived from an IP address;
• Referring website or advertisement;
• Pages visited;
• Links or buttons selected;
• Date and time of access;
• Form activity;
• Cookie and similar technology identifiers;
• Website performance and error information.

3. How We Collect Information

We may collect information:

• Directly from you;
• From a co-borrower or authorized representative;
• From mortgage lenders and loan-processing providers;
• From consumer reporting agencies, with proper authorization;
• From income, employment, asset, identity, fraud, property, or title-verification providers;
• From real estate professionals, accountants, attorneys, employers, insurance providers, or other persons involved in your transaction;
• From public records;
• Through cookies, analytics tools, advertising technologies, and website forms.

4. How We Use Information

We may use information to:

• Respond to your inquiry;
• Contact you about the service you requested;
• Conduct an initial eligibility or prequalification review;
• Evaluate potential mortgage or HELOC programs;
• Match your financing request with potential lenders;
• Prepare, submit, process, and manage an application;
• Obtain authorized credit, identity, income, employment, asset, property, title, or fraud-verification information;
• Collect and review supporting documents;
• Communicate with lenders, processors, underwriters, settlement providers, and other transaction participants;
• Schedule consultations and provide status updates;
• Maintain customer-service and compliance records;
• Operate and improve our website, forms, CRM, automations, and communication systems;
• Measure website and advertising performance;
• Protect against fraud, unauthorized activity, and security incidents;
• Comply with mortgage licensing, recordkeeping, reporting, legal, and regulatory obligations;
• Establish, exercise, or defend legal rights;
• Carry out another purpose disclosed to you or authorized by you.

Information submitted for a mortgage or home-equity inquiry will not be used to determine your eligibility based on a prohibited discriminatory factor.

5. How We Disclose Information

We may disclose information only as reasonably necessary to provide the requested service, operate our business, protect our systems, or comply with applicable law.

A. Mortgage Lenders and Financial-Service Providers

We may provide relevant information to potential or selected:

• Mortgage lenders;
• Loan investors;
• Loan-processing providers;
• Underwriters;
• Servicers;
• Credit and verification providers;
• Settlement, title, appraisal, insurance, and closing providers.

These parties may use the information to evaluate eligibility, provide potential terms, process an application, underwrite, close, fund, or service a transaction.

The lender selected for your transaction will have its own privacy notice and information-handling practices.

B. Technology and Operational Service Providers

We may use service providers that assist with:

• Website hosting and online forms;
• Customer relationship management;
• Workflow automation;
• Cloud storage and email;
• Loan origination and processing;
• Secure document collection;
• Electronic signatures;
• Identity, credit, income, employment, and asset verification;
• Telephone, SMS, WhatsApp, email, and chat communications;
• Appointment scheduling;
• Cybersecurity and information technology;
• Data analytics and advertising measurement;
• Legal, accounting, auditing, and compliance services.

These providers may process information on our behalf subject to contractual, professional, or legal obligations.

C. Authorized Transaction Participants

At your direction or as necessary for your transaction, information may be disclosed to:

• Co-borrowers;
• Attorneys;
• Accountants;
• Real estate professionals;
• Employers;
• Insurance providers;
• Title and settlement companies;
• Other persons or representatives you authorize.

D. Legal, Regulatory, and Security Purposes

We may disclose information when reasonably necessary to:

• Comply with a subpoena, court order, examination, audit, licensing requirement, or governmental request;
• Meet mortgage, credit-reporting, financial-privacy, fraud-prevention, or recordkeeping obligations;
• Investigate suspected fraud, identity theft, money laundering, cybersecurity incidents, or unlawful activity;
• Protect our rights, systems, customers, personnel, or property;
• Establish, exercise, or defend legal claims.

E. Business Transactions

Information may be reviewed or transferred in connection with a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction, subject to applicable law.

6. Sale and Sharing of Personal Information

We do not sell nonpublic personal financial information to unrelated third parties for monetary payment.

We may disclose information to lenders and service providers as necessary to evaluate or process the financing service you requested and as otherwise permitted by law.

Website analytics or advertising technologies may be considered a “sale,” “sharing,” or use for targeted advertising under certain state privacy laws, even when no money is exchanged. Where an applicable law provides a right to opt out of those activities, we will honor a properly submitted request, subject to applicable exemptions.

Mobile Information and Messaging Consent

We do not share, sell, rent, or provide mobile phone numbers, SMS opt-in data, or messaging consent to third parties, affiliates, lead generators, or other organizations for their marketing or promotional purposes.

Mobile information may be disclosed only to service providers that assist us in operating our messaging program on our behalf. These service providers may use the information only to provide the requested services and may not use it for their own marketing or promotional purposes.

7. Gramm-Leach-Bliley Act Financial Privacy Notice

As a mortgage broker, Cremon Mortgage Experts may be subject to the Gramm-Leach-Bliley Act and related financial privacy regulations.

This online Privacy Policy describes our general website and business practices. It does not replace any separate financial privacy notice, model privacy form, credit authorization, electronic-delivery consent, or transaction-specific disclosure that we are required to provide.

Where required, a separate financial privacy notice will describe:

• The categories of nonpublic personal information collected;
• The categories of information disclosed;
• The categories of affiliated or nonaffiliated recipients;
• How information is protected;
• Any applicable opt-out rights.

8. Cookies, Analytics, and Advertising Technologies

We may use cookies, pixels, tags, local storage, analytics services, and similar technologies to:

• Operate the website;
• Remember preferences;
• Understand how visitors use the website;
• Identify and correct technical problems;
• Measure advertising and form conversions;
• Improve our services and marketing.

You may be able to limit cookies through your browser or device settings. Restricting cookies may affect some website functions.

Where available, you may also use the website’s cookie-preference controls to accept, reject, or customize nonessential technologies.

9. Telephone, Text, WhatsApp, and Email Communications

When you request contact and provide your telephone number or email address, we may contact you regarding:

• Your inquiry;
• A requested consultation;
• Potential financing options;
• Application or document requirements;
• Appointments;
• Transaction status;
• Customer service.

If you separately opt in to receive SMS or MMS messages, Cremon Mortgage Experts Corp. may send you messages regarding your inquiry, mortgage or HELOC options, qualification follow-up, appointments, document or application updates, customer service, and, when separately authorized, marketing. Messages may be sent using automated technology.

Message frequency varies. Message and data rates may apply. Consent to receive SMS or MMS messages is not a condition of applying for or obtaining any product or service.

Reply STOP to opt out of SMS or MMS messages at any time. After you send STOP, you may receive one final confirmation message, and no further SMS or MMS messages will be sent unless you opt in again. Reply HELP for help, call (781) 367-5059, or email priscila@cremonmortgageexperts.com.

An SMS opt-out does not prevent us from communicating with you through other communication channels as permitted by law. Messaging is also governed by our Terms of Service.

10. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information. Safeguards may include access restrictions, secure document-transfer methods, vendor oversight, employee procedures, authentication controls, monitoring, and secure disposal practices.

No website, communication platform, or data-storage system can be guaranteed to be completely secure.

Do not submit sensitive financial information through unsecured email, standard text message, social media, or WhatsApp unless a representative has specifically provided an appropriate secure method.

11. Data Retention

We retain information for as long as reasonably necessary to:

• Respond to inquiries;
• Evaluate and process financing requests;
• Maintain transaction and customer-service records;
• Meet mortgage licensing, lender, investor, audit, tax, insurance, litigation, and regulatory requirements;
• Prevent fraud;
• Resolve disputes;
• Protect legal rights.

Information may be retained after an inquiry is closed, an application is withdrawn or denied, or a transaction is completed when required or permitted by law.

12. Privacy Choices and Requests

Depending on your place of residence and subject to exemptions under financial privacy, credit-reporting, and other laws, you may have a right to request:

• Access to certain personal information;
• Correction of inaccurate information;
• Deletion of certain information;
• A portable copy of certain information;
• Information about certain disclosures;
• An opt-out from certain targeted advertising, sales, or sharing;
• Withdrawal of certain communication permissions;
• An appeal of a denied privacy request.

We may verify your identity before responding. Some information cannot be deleted when it must be retained for legal, regulatory, security, fraud-prevention, transaction, or recordkeeping purposes.

Submit requests to:

Email: priscila@cremonmortgageexperts.com
Phone: (781) 367-5059
Mail: 11 Chestnut Street, Suite 6A, Andover, MA 01810

Please include “Privacy Request” in the subject line or description.

13. Third-Party Websites and Platforms

Our website may link to lender websites, document portals, appointment platforms, social media, review websites, WhatsApp, or other independent services.

Those third parties have their own privacy policies and security practices. We are not responsible for a third party’s website, content, security, availability, or handling of information.

14. Children’s Privacy

Our website and mortgage services are intended for adults. We do not knowingly collect personal information online from children under 13.

If we learn that a child under 13 submitted personal information, we will take reasonable steps to remove it.

15. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, technology, business practices, or legal obligations.

The revised policy will be posted with a new “Last Updated” date and will become effective when posted unless otherwise stated.

16. Contact Us

Questions about this Privacy Policy may be directed to:

Cremon Mortgage Experts Corp.
11 Chestnut Street, Suite 6A
Andover, MA 01810

Phone: (781) 367-5059
Email: priscila@cremonmortgageexperts.com

Mortgage Broker, Massachusetts License No. MB2549058.
Priscila Cremon, Mortgage Loan Originator, NMLS #1528137.