AdverseReverseMortgage.com (“we,” “us,” or “our”) operates the website https://adverseremortgage.com/ (the “Site”), which serves as an information resource and lead generation platform for reverse mortgage products and related financial services. We are committed to protecting the privacy of our visitors and prospective clients.
This Privacy Policy explains what information we collect, how we use it, and how we may share it. By using our Site and submitting an inquiry, you consent to the practices described in this policy.
1. Information We Collect
We collect information primarily to process your inquiries and connect you with appropriate financial service providers.
1.1 Personal Data You Provide Directly
We collect this data when you voluntarily contact us or use our qualification forms:
- Contact Information (Leads): Your full name, email address, phone number, and residential address (or property address).
- Financial Inquiry Data: Details essential for mortgage pre-qualification, such as your age, home ownership status, approximate home value, existing mortgage balance, and specific financial needs.
- Communication Data: Information you provide when contacting us with questions or support inquiries.
1.2 Data Collected Automatically (Usage Data)
When you visit the Site, we automatically collect certain technical and behavioral information:
- Log Data: Your Internet Protocol (IP) address, browser type, device type, the pages you view (e.g., qualification forms, pricing pages), the time and date of your visit, and the referring website addresses.
- Cookies and Tracking: We use cookies and similar tracking technologies (e.g., Google Analytics) to track user behavior, measure the effectiveness of our lead forms, and facilitate targeted advertising.
2. Disclosure and Sharing of Your Information (CRITICAL)
The primary purpose of this Site is to generate and transfer qualified leads to third-party lenders, brokers, or financial institutions.
By submitting a pre-qualification or inquiry form, you acknowledge and explicitly consent to the following sharing practices:
2.1 Sharing/Selling of Lead Data
We share or sell the Contact Information and Financial Inquiry Data you submit to the following third-party entities so they can contact you directly regarding reverse mortgage products:
- Licensed Mortgage Lenders and Brokers.
- Financial Service Companies.
- Lead Aggregation Networks that connect consumers with multiple providers.
These third parties have their own data policies, and we are not responsible for their subsequent use or disclosure of your information.
2.2 Sharing with Service Providers
We share non-lead data with trusted vendors who perform essential functions on our behalf. These include:
- CRM (Customer Relationship Management) Software for managing leads.
- Website Hosting and Analytics (e.g., Google Analytics).
- Email Marketing Providers to send newsletters (if subscribed).
3. How We Use Your Information
We process your Personal Data based on legal grounds for the following purposes:
- Lead Fulfillment: To transmit your inquiry to lenders/brokers who match your needs (Based on your Consent).
- Communication: To send you requested information and, if you consent, marketing material.
- Analysis and Optimization: To analyze Site performance, lead quality, and user behavior to improve our marketing efficiency (Legitimate Business Interest).
- Security: To detect and prevent fraud, abuse, and misuse of our lead forms.
4. Your Data Protection Rights and Choices
Depending on your location (e.g., CCPA/CPRA, GDPR), you may have specific rights regarding your Personal Data:
- Right to Opt-Out (Do Not Sell/Share): You have the right to direct us not to sell or share your Personal Data. Note: Exercising this right will prevent us from processing and forwarding your inquiries to our lending partners, thus preventing you from receiving quotes or services through the Site.
- Right to Access: The right to request copies of the Personal Data we hold about you.
- Right to Deletion: The right to request the deletion of Personal Data we have collected, subject to legal retention requirements.
To exercise any of these rights, please contact us using the details provided below.
5. Controlling Your Communications and Cookies
- Opting Out of Marketing: You can unsubscribe from our newsletters and promotional emails at any time by following the link provided in every email.
- Managing Cookies: You can instruct your browser to refuse all cookies. You can also manage your consent preferences via our Cookie Consent Banner (if applicable).
6. Contact Us
If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us:
Email: admin@adverseremortgage.com