Privacy Policy.

Scope and Who We Are

This Privacy Policy applies to information collected through letstalkhomemortgage.com, forms, email, telephone calls, text messages, scheduling tools, mortgage inquiries, and other interactions associated with Let’s Talk Home Mortgage.

Let’s Talk Home Mortgage is operated by Patrick Collins in connection with mortgage services provided through E Mortgage Capital Inc. (“EMC,” “we,” “us,” or “our”), NMLS #1416824. Patrick Collins is a mortgage professional, NMLS #1628553 and BRE #02143449.

This policy does not replace any separate financial privacy notice, loan disclosure, consent form, or service-specific notice that may apply to a mortgage application or transaction.

Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

Identifiers and Contact Information

• Name, email address, telephone number, mailing address, and preferred method of contact.
• Online identifiers such as Internet Protocol address, device identifiers, and cookie identifiers.

Mortgage, Financial, and Transaction Information

• Information about your homeownership goals, desired loan amount, property, occupancy, income, assets, debts, credit profile, employment, business ownership, and transaction timeline.
• Application and supporting documentation you choose to provide through a secure application portal or directly to authorized mortgage personnel.
• Information about existing mortgage obligations, home equity, refinance goals, reverse mortgage inquiries, and other financing needs.

Communications and Appointment Information

• Messages, emails, call notes, text-message interactions, appointment details, form submissions, and customer-service requests.

Website and Device Information

• Browser type, device type, operating system, pages viewed, referring pages, approximate location derived from an IP address, dates and times of visits, and interactions with website features.

Please do not send Social Security numbers, bank-account numbers, passwords, or sensitive loan documents through an ordinary website contact form, email, or text message unless we specifically direct you to an approved secure method.

Sources of Information

We may collect personal information from:

• You directly, including through forms, applications, telephone calls, text messages, email, consultations, and appointments.
• Your authorized representatives, co-borrowers, real estate professionals, financial professionals, employers, service providers, or other parties involved in a transaction.
• Mortgage application platforms, customer relationship management systems, scheduling providers, analytics services, communication providers, and other vendors used to operate our business.
• Consumer reporting agencies, verification providers, public records, property records, and other lawful sources when authorized or permitted by law.
• Automatically through cookies, server logs, pixels, analytics tools, and similar technologies when you use the website.

How We Use Personal Information

We may use personal information to:

• Respond to inquiries, schedule appointments, and communicate with you.
• Evaluate mortgage scenarios, provide educational information, discuss loan programs, and support an application or transaction.
• Verify information, process documents, coordinate with authorized parties, and perform services you request.
• Provide updates about an inquiry, application, loan process, appointment, or requested service.
• Send newsletters, educational content, or marketing communications when permitted by law and consistent with your choices.
• Operate, maintain, personalize, troubleshoot, secure, and improve the website and related services.
• Analyze website usage and measure the effectiveness of content or campaigns.
• Detect, investigate, and prevent fraud, unauthorized access, security incidents, and other harmful activity.
• Comply with licensing, recordkeeping, lending, anti-fraud, consumer-protection, regulatory, legal, and contractual obligations.
• Establish, exercise, or defend legal claims and enforce our agreements.

How We Disclose Personal Information

We may disclose personal information only as reasonably necessary for the purposes described in this policy, including to:

• Mortgage and transaction participants: lenders, investors, underwriters, processors, settlement providers, title and escrow companies, appraisers, insurance providers, verification providers, real estate professionals, and other parties involved in a requested transaction.
• Service providers: website hosts, secure application platforms, customer relationship management providers, email and text providers, scheduling services, document-management providers, analytics services, cybersecurity providers, and professional advisers.
• Affiliates and authorized personnel: E Mortgage Capital personnel and authorized contractors who need information to support your inquiry, application, compliance, or customer service.
• Government and legal recipients: regulators, law-enforcement agencies, courts, auditors, or other recipients when disclosure is required or permitted by law.
• Business transaction recipients: parties involved in a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to appropriate safeguards.
• Other parties at your direction: anyone you authorize us to contact or with whom you ask us to share information.

Service providers are expected to use personal information only for contracted services and to protect it in accordance with applicable law and contractual requirements.

No Sale of Personal Information and Protection of SMS Consent Data

We do not sell your personal information.

We do not share mobile phone numbers, SMS opt-in data, or consent information with third parties or affiliates for marketing or promotional purposes.

Mobile information may be disclosed to vendors that help deliver text messages or provide customer support, but only as needed to perform those services and subject to appropriate restrictions. Text-message originator opt-in data and consent will not be shared with unrelated third parties for their own marketing.

We may disclose information when required by law, to protect rights or safety, or as part of a requested mortgage transaction. Those disclosures are not a sale of personal information.

Cookies and Online Technologies

We and our service providers may use cookies, pixels, tags, local storage, analytics tools, and similar technologies to operate the website, remember preferences, understand website performance, maintain security, and improve content.

Types of Technologies We May Use

• Strictly necessary: support security, page navigation, forms, and essential site functionality.
• Preferences: remember choices and improve convenience.
• Analytics: help us understand traffic, page performance, and how visitors use the site.
• Advertising or measurement: may help measure campaigns or present relevant content, where enabled and permitted.

You can control cookies through your browser settings and, when available, the website’s cookie-preference tool. Blocking some technologies may affect website functionality.

Some third-party services embedded in or linked from the website may set their own cookies or collect information under their own privacy policies. We do not control those third-party privacy practices.

Mortgage Applications and Financial Privacy

Mortgage and financial information may be subject to federal and state financial privacy laws, including the Gramm-Leach-Bliley Act and related rules. Certain information handled in connection with providing a financial product or service may be governed by separate financial privacy notices and may be exempt from portions of state consumer privacy laws.

When you begin a formal mortgage application, you may be directed to a secure third-party application platform. Information submitted through that platform is also subject to the platform provider’s privacy and security terms and the privacy notices provided in connection with your application.

We use and disclose nonpublic personal information as necessary to process or service a transaction, prevent fraud, comply with law, and for other purposes permitted by applicable financial privacy laws.

Email, Telephone Calls, and SMS Communications

When you provide contact information, we may use it to respond to your request and, where you have provided appropriate consent, to send informational, transactional, or marketing communications.

Message frequency varies. Message and data rates may apply. Consent to marketing calls or texts is not a condition of obtaining mortgage services.

You may opt out of marketing email by using the unsubscribe link in the email. You may opt out of text messages by replying STOP. For assistance, reply HELP. You may also contact us at 949-787-2662 or pcollins@emortgagecapital.com.

After an opt-out request, we may send a confirmation and may continue communications that are legally required, non-marketing, or necessary to service an existing request or transaction.

Artificial Intelligence and Automated Tools

We may use artificial-intelligence-assisted or automated tools to support administrative tasks, customer service, document review, content development, data organization, fraud prevention, quality control, and business operations.

We do not rely solely on automated decision-making to make a final lending decision. Credit and underwriting decisions are made under applicable lender, investor, underwriting, and legal requirements.

Information processed through AI-assisted tools remains subject to applicable privacy, security, contractual, and legal requirements. Do not submit highly sensitive financial information through a general-purpose chatbot or unsecured communication channel.

Data Security and Retention

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. No website, email system, text message, or data-storage method can be guaranteed to be completely secure.

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this policy, service a transaction, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy legal, regulatory, tax, licensing, and recordkeeping obligations.

Retention periods vary depending on the type of information, the nature of the relationship, applicable law, and whether information is needed for an active or reasonably anticipated legal or regulatory matter.

Your Privacy Rights

Depending on where you live and subject to applicable exemptions, you may have the right to:

• Confirm whether we process your personal information and request access to it.
• Request correction of inaccurate personal information.
• Request deletion of certain personal information.
• Request a portable copy of certain personal information.
• Opt out of the sale or sharing of personal information, targeted advertising, or certain profiling.
• Limit certain uses or disclosures of sensitive personal information.
• Appeal a decision concerning a privacy request where applicable.
• Exercise privacy rights without unlawful discrimination or retaliation.

To submit a request, email pcollins@emortgagecapital.com with the subject line “Privacy Request,” or call 949-787-2662. Describe the right you wish to exercise and the information or interaction involved.

We may need to verify your identity and authority before completing a request. An authorized agent may submit a request where permitted by law, but we may require proof of authorization and direct verification with the consumer. We will respond within the period required by applicable law.

Privacy rights may not apply to information covered by an exemption, including certain information governed by federal financial privacy law, or where retaining information is required or permitted by law.

California Privacy Disclosures

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including rights to know, access, delete, correct, opt out of sale or sharing, limit certain uses of sensitive personal information, and receive equal service and pricing when exercising applicable rights.

Categories Collected

During the preceding 12 months, we may have collected the categories described in this policy, including identifiers, customer records, protected classification information voluntarily provided in connection with a mortgage inquiry, commercial or transaction information, internet activity, geolocation derived from an IP address, professional or employment information, inferences, and sensitive personal information needed for a mortgage or financial-services request.

Business Purposes and Recipients

We collect, use, and disclose those categories for the business and commercial purposes described in Sections 4 and 5. Recipient categories may include service providers, mortgage and transaction participants, affiliates and authorized personnel, government or legal recipients, and parties you direct us to involve.

Sale, Sharing, and Sensitive Information

We do not sell personal information for monetary consideration. If any online advertising or measurement activity is considered “sharing” or “sale” under California law, you may exercise an applicable opt-out right by contacting us or using a legally recognized browser-based opt-out preference signal.

We use sensitive personal information only for purposes reasonably necessary to provide requested services, process or support mortgage transactions, protect accounts and systems, prevent fraud, verify information, and comply with law. We do not use sensitive personal information to infer characteristics about you for unrelated purposes.

California “Shine the Light”

California residents may request information about certain disclosures of personal information to third parties for their direct-marketing purposes. We do not disclose personal information to unrelated third parties for their own direct marketing in the manner covered by this law.

California Do Not Track Notice and Global Privacy Control

Do Not Track

Some browsers offer a “Do Not Track” signal. Because there is no universally accepted standard for responding to traditional Do Not Track signals, this website may not respond to those signals in a uniform manner.

We do not knowingly permit unrelated third parties to collect personal information from this website for their own purposes unless you provide the information directly, authorize the disclosure, or the collection is otherwise disclosed and permitted by law. Third-party analytics, social, embedded, or advertising services may collect browser or usage information under their own policies.

Global Privacy Control

Where required by applicable law, we recognize a valid Global Privacy Control signal as a request to opt out of the sale or sharing of personal information associated with the browser or device sending the signal.

Children, Third-Party Links, and Users Outside the United States

Children’s Privacy

This website and our mortgage services are intended for adults. We do not knowingly collect personal information from children under 13 through this website. If you believe a child has provided personal information, contact us so we can review and delete it as appropriate.

Third-Party Websites and Services

This website may link to or embed services operated by other companies, including application platforms, scheduling tools, social networks, calculators, and external resources. Their privacy practices are governed by their own policies. Review those policies before providing personal information.

United States Operations

This website and the related services are directed to users in the United States. Information may be processed and stored in the United States, where privacy laws may differ from those in other countries.

Changes to This Policy and Contact Information

We may update this Privacy Policy from time to time to reflect changes in our practices, services, technology, legal requirements, or business operations. The “Last updated” date at the top of the policy shows when the latest revision became effective.

Material changes may be communicated through the website or another appropriate method. Your continued use of the website after an update is subject to the revised policy.

Contact Us

For questions or privacy requests, contact:

Patrick Collins / Let’s Talk Home Mortgage
E Mortgage Capital Inc. · NMLS #1416824
3750 S. Susan Street, Santa Ana, CA 92704
Email: pcollins@emortgagecapital.com
Telephone: 949-787-2662