Last updated: Jun 26, 2023 4:00 PM

We value your privacy very highly. Please read this Privacy Policy carefully before using the sfmortgageconsultant.com Website (the "Website") operated by Paul Stella ("us," "we," "our") as this Privacy Policy contains important information regarding your privacy and how we may use the information we collect about you.

Your access to and use of the Website is conditional upon your acceptance of and compliance with this Privacy Policy. This Privacy Policy applies to everyone, including, but not limited to: visitors, users, and others, who wish to access or use the Website.

By accessing or using the Website, you agree to be bound by this Privacy Policy. If you disagree with any part of the Privacy Policy, then you do not have our permission to access or use the Website.

What information we collect, where we get this information, and how we use this information

We collect any and all information that you enter on this Website. In the last 12 months, we have collected the following information about individuals using our Website:

Identifying information - Name

Specific piece of information
Name
Where we get this information
  • Information submitted by the consumer.
How we use this information
  • Enforcing our Terms of Service;
  • Marketing and advertising;
  • Performing services;
  • Providing customer service;
  • Providing financing;
  • Verifying customer information.

Identifying information - IP address

Specific piece of information
IP address
Where we get this information
  • The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
  • Analytics;
  • Marketing and advertising;
  • Protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for such activities.

Identifying information - Email address

Specific piece of information
Email address
Where we get this information
  • Information submitted by the consumer.
How we use this information
  • Enforcing our Terms of Service;
  • Marketing and advertising;
  • Performing services;
  • Providing customer service;
  • Providing financing;
  • Verifying customer information.

Identifying information - Device identifier

Specific piece of information
Device identifier
Where we get this information
  • The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
  • Analytics;
  • Marketing and advertising;
  • Protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for such activities.

Internet or other electronic activity - Information regarding your interaction with our website or application

Specific piece of information
Information regarding your interaction with our website or application
Where we get this information
  • The observation and recording of activities by the business, such as through the use of cookies.
How we use this information
  • Analytics;
  • Marketing and advertising;
  • Protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for such activities.

With whom we share your personal information

In the last 12 months, we have disclosed and shared the personal information below with the following third parties for the following reason(s):

Identifying information - Name

Specific piece of personal information shared and disclosed
Name
Categories of third parties with whom personal information is/was shared and disclosed
  • Content management systems;
  • Customer management systems;
  • Email marketing vendors;
  • Email service providers;
  • Financial transactions processors;
  • Hosting providers;
  • Operating systems and platforms;
  • Parties that need to operate the website.
Reason(s) for sharing and disclosing
  • To market to you via email;
  • To manage our interactions with you;
  • To process transactions;
  • To enforce our Terms of Service.

Identifying information - IP address

Specific piece of personal information shared and disclosed
IP address
Categories of third parties with whom personal information is/was shared and disclosed
  • Content management systems;
  • Customer management systems;
  • Email marketing vendors;
  • Email service providers;
  • Hosting providers;
  • Operating systems and platforms;
  • Parties that need to operate the website.
Reason(s) for sharing and disclosing
  • To manage our interactions with you.

Identifying information - Email address

Specific piece of personal information shared and disclosed
Email address
Categories of third parties with whom personal information is/was shared and disclosed
  • Content management systems;
  • Customer management systems;
  • Email marketing vendors;
  • Email service providers;
  • Financial transactions processors;
  • Hosting providers;
  • Operating systems and platforms;
  • Parties that need to operate the website.
Reason(s) for sharing and disclosing
  • To market to you via email;
  • To manage our interactions with you;
  • To process transactions;
  • To enforce our Terms of Service.

Identifying information - Device identifier

Specific piece of personal information shared and disclosed
Device identifier
Categories of third parties with whom personal information is/was shared and disclosed
  • Content management systems;
  • Customer management systems;
  • Email marketing vendors;
  • Email service providers;
  • Hosting providers;
  • Operating systems and platforms;
  • Parties that need to operate the website.
Reason(s) for sharing and disclosing
  • To manage our interactions with you.

Internet or other electronic activity - Information regarding your interaction with our website or application

Specific piece of personal information shared and disclosed
Information regarding your interaction with our website or application
Categories of third parties with whom personal information is/was shared and disclosed
  • Content management systems;
  • Customer management systems;
  • Email marketing vendors;
  • Email service providers;
  • Hosting providers;
  • Operating systems and platforms;
  • Parties that need to operate the website.
Reason(s) for sharing and disclosing
  • To manage our interactions with you.

Sale of your information

We do not sell your personal information. Please see the "Your Rights" section below for more information about exercising your privacy rights regarding sales of your personal information.

Cookies

A cookie is a small piece of data sent from a website and stored on your device by your browser. This Website collects cookies. Please visit our Cookie Policy to learn more about what cookies we collect, why we collect them, and how to change your cookie settings.

Children's privacy

This Website is intended for use by a general audience and does not offer services to children. Should a child whom we know to be under 18 send personal information to us, we will use that information only to respond to that child to inform him or her that they cannot use this Website. We do not sell the personal information of minors under the age of 16.

Analytics programs

This Website uses Google Analytics to collect information about you and your behaviors. If you would like to opt out of Google Analytics, please visit https://tools.google.com/dlpage/gaoptout/.

Information retention

We retain the following personal information for the following periods of time:

Identifying information

Data retention period
until we no longer need the information to contact you, or until you unsubscribe.

Internet or other electronic activity

Data retention period
until we no longer need the information to contact you, or until you unsubscribe.

Your rights

All visitors or users of this website have the following rights with regard to their personal information:

  1. The right to access the personal information that we have collected about you.
  2. The right to know what personal information we have collected about you, including the categories of personal information, the categories of sources from which the personal information was collected, the business or commercial purpose for collecting, selling or sharing personal information, the categories of third parties to whom we disclose the personal information.
  3. The right to know whether your personal information is sold or disclosed and to whom.
  4. The right to say no to the sale of your personal information.
  5. The right to opt out of the sharing of your personal information.
  6. The right to request that we delete all or some of the personal information that we have collected on you.
  7. The right not to be discriminated against based upon your exercise of your privacy rights.
  8. The right to equal service and price, even if you exercise your privacy rights.
  9. The right to ask us to transmit your personal information that we have collected on you to another provider (where technically feasible).
  10. The right to request that we amend any of the information that we have collected about you.
  11. The right to limit the use and disclosure of your sensitive personal information.
  12. The right to receive the personal information that we hold about you in a portable and, to the extent feasible, a readily usable format that allows you to transmit this information to another entity.

Exercising your rights

You may exercise the rights specified above by submitting a consumer request to:

Paul Stella
pstella@newvintagemtg.com
415-857-5626
The United States
https://sfmortgageconsultant.com/

If you use our cookie consent banner to exercise your privacy rights, the opt out signal will be applied to your browser. If you opt-out by contacting us as stated above, your preference will be applied to your account and our databases, including offline sales.

We will need to verify your identity prior to effectuating your request. To verify your identity, you will need to provide us with the following information with your request:

Please note that we may be unable to process your request if you do not provide us with the above information.

You may also designate an authorized agent to exercise your rights on your behalf. You may designate an agent via any of the ways used to submit requests on your behalf. We will request the agent to verify that he or she has the authority to submit requests on your behalf. We will do so by asking the agent to submit the following information:

Please note that we may not be able to process your request if your designated agent and/or you do not provide us with the above information.

We will respond to most consumer requests within 30 to 45 days of receipt, depending upon where you reside. However, some requests may take longer. We will notify you in writing if we need more time to respond. We have the ability to deny your request(s) if certain exceptions in the law apply. If we do deny your request, we will provide you with the reasons for such denial. Normally, we do not charge a fee to process or respond to consumer requests. However, for residents of certain states or countries, we may charge a fee if the request is excessive, repetitive or manifestly unfounded.

Third-party websites

This Website may contain hyperlinks to websites operated by parties other than us. We provide such hyperlinks for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. It is up to you to read and fully understand their Privacy Policies. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

Do Not Track

Do Not Track is a preference you can set on your browser to inform websites that you do not want to be tracked. We do not support Do Not Track ("DNT"). You can either enable or disable Do Not Track by visiting the Preferences or Settings page of your browser.

Changes to Privacy Policy

We reserve the right to amend this Privacy Policy at any time. We will notify you of any changes to this Privacy Policy by posting the updated Privacy Policy to this website or application.

Questions

If you have any questions about this Privacy Policy, please contact us at pstella@newvintagemtg.com.