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The short version
We collect what you type into our forms so we can answer you. We do not sell your information to lead networks, lead aggregators, or other lenders. That is the entire difference between contacting a specialist and filling in a form on a comparison website, and it is the reason your phone does not start ringing.
What we collect
- What you give us: name, phone, email, and the answers you provide about your age band, home value, mortgage balance and goals.
- How you arrived: the advertisement, search or link that brought you here, including utm parameters, click identifiers such as gclid or fbclid, and the referring page. We use this to know which advertising works.
- Technical information: IP address, browser type, pages viewed, and general location at country level.
We do not pull your credit or request a Social Security number through this website. If you proceed to an application, that happens through a separate secure process with its own disclosures.
Why we collect it
- To respond to your enquiry and prepare an estimate
- To follow up by phone, email or text where you have consented
- To measure which advertising produces enquiries
- To meet record-keeping obligations that apply to licensed mortgage originators
Who we share it with
Only where it is necessary to do the work:
- United Mortgage Corp, through which mortgage services are offered
- Our customer relationship system (GoHighLevel), which stores enquiries and sends communications
- Our hosting provider (Cloudflare), which serves this site
- Google and Meta, which measure how the site is used and how our advertising performs. They learn which pages you view and whether you sent an enquiry. They do not receive your name, phone number, email address or answers.
- Lenders, appraisers, title companies and settlement agents, but only if you choose to proceed with an application
- Regulators or law enforcement, where legally required
We do not sell your information and we do not share it with lead aggregators or third-party marketers.
Calls and texts
If you tick the consent box, you agree to receive calls and texts about your enquiry, including by automatic telephone dialing system. Consent is not a condition of any purchase or of receiving an estimate — leaving it unticked still sends your enquiry, we simply reply by email instead. Message and data rates may apply and frequency varies. Reply STOP to any text to opt out, or HELP for help.
Cookies and tracking
We use browser storage to remember your advertising attribution across pages during a visit, and to avoid showing you the same pop-up repeatedly.
We use Google Analytics to see which pages are read and how visitors found the site, and the Meta pixel to measure our advertising on Facebook and Instagram. Each sets its own cookies and records the pages you view, whether you sent an enquiry, and technical details such as your browser and approximate location. Neither is sent your name, phone number, email address or the answers you give us. You can block these cookies in your browser, or use Google's opt-out add-on and your Facebook ad preferences; the site will still work.
Your choices
- See, correct or delete what we hold about you — email rerath@unitedmortgage.com and we will action it.
- Stop hearing from us — reply STOP to a text, use the unsubscribe link in any email, or simply ask.
- Residents of California, Colorado, Connecticut, Virginia and other states with privacy statutes have additional rights including access, deletion, correction, and opting out of sale or sharing. We do not sell or share personal information as those statutes define it. Contact us to exercise any right; we will not discriminate against you for doing so.
If a submission fails to reach us
When our system cannot deliver your enquiry to our customer relationship software, the details you submitted are written to our hosting provider's error log so that the enquiry can be recovered and answered rather than silently lost. Those logs are access-controlled, are retained for a limited period by the hosting provider, and are not used for marketing. We consider a lost enquiry the worse outcome, which is why the system is built this way — but you should know it happens.
How long we keep it
Enquiries are retained for as long as needed to respond and to satisfy record-keeping rules applicable to licensed mortgage originators, which in some states run to several years. You can ask for deletion sooner and we will comply except where a law requires retention.
Security, children, and changes
Information is transmitted over encrypted connections and stored in access-controlled systems. No method of transmission is perfectly secure, and we do not claim otherwise.
This site is not directed to anyone under 18 and we do not knowingly collect information from children.
If this policy changes materially we will update the date above. Continued use after a change means you accept the revised policy.
Contact
Erath Solutions LLC
401 Broadhollow Road, Suite 150, Melville, NY 11747
631-926-0592 · rerath@unitedmortgage.com