Impact Mortgage, Inc. ("we," "us," or "our") is a California-licensed mortgage brokerage. We are committed to protecting the privacy of individuals who visit our website at www.impactmortgageinc.com and who contact us for mortgage-related services.

This Privacy Policy explains what information we collect, how we use it, who we share it with, and what rights you have regarding your personal information. By using our website or submitting information to us, you agree to the practices described in this policy.

Information We Collect

a. Information You Provide Directly

When you contact us, submit an inquiry, or begin the mortgage process, we may collect:

• Full name and contact information (email address, phone number, mailing address)

• Financial information, including income, employment status, assets, and liabilities

• Credit-related information as authorized by you

• Loan type preferences and property information

b. Information Collected Automatically

When you visit our website, we and our third-party service providers may automatically collect:

• IP address and general location data

• Browser type, device type, and operating system

• Pages visited, time spent on pages, and referring URLs

• Cookie identifiers and similar tracking data

c. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your browsing experience and analyze site traffic. These include:

• Squarespace Analytics: Used to track site visits, page views, and user behavior on our website

• Google Analytics: Used to analyze traffic patterns and understand how visitors interact with our site. Google may collect and process data in accordance with Google's Privacy Policy

You may disable cookies through your browser settings; however, some features of the website may not function properly as a result.

How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide mortgage brokerage services

• To evaluate your eligibility for loan programs and process applications

• To communicate with you about your loan status, options, and next steps

• To send relevant updates or follow-up communications through tools such as Zapier and email marketing platforms (e.g., Mailchimp)

• To analyze and improve our website's performance and user experience

• To comply with applicable federal and state laws and regulations

How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• With lenders and wholesale partners as necessary to evaluate and process your loan application

• With third-party service providers who assist us in operating our website and communicating with you, including Squarespace, Google Analytics, Zapier, and email marketing platforms. These providers are contractually obligated to handle your data securely and only for the purposes we specify

• With credit reporting agencies and other parties as permitted or required by applicable lending regulations

• With government or regulatory bodies when required by law, court order, or legal process

• In connection with a merger, acquisition, or sale of business assets, where your information may be transferred to a successor entity

Third-Party Service Providers

We use the following third-party tools that may collect or process your data:

• Squarespace: Our website is hosted on Squarespace. Squarespace may collect analytics data through your use of the site. See Squarespace's Privacy Policy at squarespace.com/privacy.

• Google Analytics: We use Google Analytics to understand website usage. Google may use cookies and similar technologies to collect data. See Google's Privacy Policy at policies.google.com/privacy.

• Zapier: We use Zapier to automate workflows and connect our tools. Data submitted through forms may pass through Zapier. See Zapier's Privacy Policy at zapier.com/privacy.

• Email Marketing (e.g., Mailchimp): We may use an email marketing platform to communicate with you. Your email address and name may be stored in that platform's system. You may unsubscribe at any time using the link provided in any marketing email.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to process your loan application, or as required by applicable law. Mortgage-related records may be retained for a minimum of three (3) years in accordance with federal and California lending regulations.

Data Security

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

If you believe your information has been compromised, please contact us immediately at Randy@ImpactMortgageInc.com.

California Privacy Rights (CCPA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including:

• Right to Know: You may request information about the personal data we have collected about you, including the categories of data, the purposes for which it was collected, and any third parties with whom it was shared.

• Right to Delete: You may request that we delete your personal information, subject to certain exceptions required by law.

• Right to Opt-Out of Sale: We do not sell your personal information. However, you may contact us to confirm this at any time.

• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To submit a California privacy request, please contact us at:

• Email: Randy@ImpactMortgageInc.com

• Phone: (415) 845-1160

• We will respond to verified requests within 45 days as required by law.

Children's Privacy

Our website is not directed to individuals under the age of 13, and we do not knowingly collect personal information from children. If you believe a child has submitted personal information to us, please contact us so we can remove it.

10. Links to Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party websites you visit.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.

Contact Us

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

Impact Mortgage, Inc.

• Randy Munmon, NMLS #1973565 | DRE #02041436

• Phone: (415) 845-1160

• Email: Randy@ImpactMortgageInc.com

• Website: www.impactmortgageinc.com

This Privacy Policy is for informational purposes and does not constitute legal advice. For legal counsel, consult a licensed attorney.