# Privacy Policy Effective Date: January 1, 2025 | Last Updated: May 19, 2026 ## 1. Introduction Real Estate FU ("we," "us," "our," or "Company") is committed to protecting your privacy and ensuring you understand what information we collect, how we use it, and your rights regarding your personal data. This Privacy Policy applies to our website (realestatefu.com), landing pages, mortgage/refinance calculators, and all services provided by Troy Huerta (DRE #01028204, NMLS #01131869). By using our website, submitting a form, or providing personal information, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services. ## 2. Information We Collect ### 2.1 Information You Provide Voluntarily **Contact Information:** Name, email, phone number, mailing address **Financial Information:** Home value, current mortgage balance, interest rate, loan term, credit card debt (for calculator estimates only) **Financial Documents:** Pay stubs, tax returns, bank statements, employment verification (if you apply for pre-approval or pre-qualification) **Credit Information:** Credit score, credit history (collected only with your consent via a hard credit inquiry for pre-approval) **Property Information:** Property address, purchase price, property type, occupancy status **Communication Preferences:** Opt-in for email, SMS, or phone contact; communication frequency ### 2.2 Information Collected Automatically **Device & Browser Information:** IP address, browser type, operating system, device type **Website Activity:** Pages visited, time spent, calculator inputs, links clicked, form submissions **Cookies & Tracking Technologies:** We use cookies, pixels, tags, beacons, and similar tracking technologies to: - Remember your preferences and login information - Understand how you use our site - Improve website functionality and user experience - Deliver targeted advertising (marketing cookies) - Analyze traffic and performance **Third-Party Analytics & Marketing Tools:** - **Google Analytics:** Tracks website traffic and user behavior - **Facebook Pixel:** Tracks website visitors for targeted advertising and conversion measurement - **GoHighLevel (GHL):** CRM form tracking and lead management - **Cookiebot:** Consent management platform **Your Consent is Required:** Marketing cookies, analytics cookies, and tracking pixels require your explicit consent before they are activated. You can control these preferences through the Cookiebot consent banner on our website. **How to Control Cookies:** You can disable non-essential cookies through: - Our consent banner (Cookiebot) - Your browser settings (most browsers allow you to block or delete cookies) - Browser extensions designed to block trackers ### 2.3 Information from Third Parties We may receive information about you from: - Credit bureaus (Equifax, Experian, TransUnion) for mortgage pre-approval - Mortgage providers and loan platforms (mymortgageapp.com) - CRM systems (GoHighLevel) for lead management - Public records and property databases - Your consent: Information you authorize us to collect from banks, employers, or other sources ## 3. How We Use Your Information We use your information for the following purposes: - **Mortgage Services:** Processing pre-qualifications, pre-approvals, loan applications, and refinancing - **Communication:** Responding to inquiries, sending updates, schedule management, follow-up calls - **Marketing:** Sending promotional emails, SMS, direct mail (EDDM), and targeted ads (with consent) - **Customer Service:** Addressing complaints, resolving disputes, improving customer experience - **Compliance:** Meeting legal, regulatory, and tax obligations under TILA, Fair Housing Act, NMLS rules - **Analytics & Improvement:** Understanding website behavior to improve services and user experience - **Risk Management:** Fraud detection, identity verification, compliance verification - **Legal Purposes:** Defending against claims, enforcing agreements, complying with lawful requests **Tracking & Cookies:** We use tracking technologies for analytics, marketing optimization, and user experience improvement. These are only activated after you provide consent via our Cookiebot consent banner. ## 4. Third-Party Cookies & Trackers ### 4.1 Third-Party Services We Use **Facebook Pixel (_fbp, lastExternalReferrer, lastExternalReferrerTime)** - Purpose: Conversion tracking, audience building, targeted advertising - Data Shared: User ID, page visits, conversion events - Privacy Policy: https://www.facebook.com/privacy/explanation - Consent Required: Yes (Marketing cookies) **Google Analytics** - Purpose: Website traffic analysis, user behavior insights - Data Shared: Aggregated traffic and user interaction data - Privacy Policy: https://policies.google.com/privacy - Consent Required: Yes (Analytics cookies) **GoHighLevel (GHL)** - Purpose: Lead management, CRM, form data collection - Data Shared: Form submissions, email, phone, property information - Privacy Policy: Available upon request - Consent Required: Yes (unless form is essential to your request) **Cookiebot (by Usercentrics)** - Purpose: Cookie consent management, regulatory compliance - Data Shared: Consent preferences - Privacy Policy: https://www.cookiebot.com/en/privacy-policy/ - Consent Required: No (essential service) ### 4.2 How Long Cookies Are Stored - **Essential Cookies:** Session-based (deleted when browser closes) - **Marketing Cookies:** Up to 2 years - **Analytics Cookies:** Up to 2 years - You can clear cookies anytime in your browser settings ### 4.3 California Invasion of Privacy Act (CIPA) Compliance California law (CIPA, Cal. Penal Code § 631) prohibits unauthorized tracking and surveillance without explicit consent. We comply by: - Obtaining explicit consent before deploying tracking cookies and pixels - Providing clear disclosure of all tracking technologies - Allowing you to opt out of non-essential tracking at any time - Providing a working opt-out mechanism (Cookiebot consent banner) ## 5. Disclosure of Your Information ### 5.1 How We Share Your Information We do **NOT** sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information with: - **Service Providers:** Mortgage processors, title companies, appraisers, underwriters, credit bureaus, document preparation services, notaries - **Technology Partners:** GoHighLevel (CRM), mymortgageapp.com (mortgage platform), payment processors, Cookiebot (consent management) - **Legal Requirements:** Law enforcement, government agencies, courts (if required by law or court order) - **Business Transfers:** In case of merger, acquisition, bankruptcy, or asset sale (you will be notified) - **Your Authorization:** Anyone you explicitly authorize or consent to ### 5.2 Third-Party Links Our website may contain links to third-party websites. We are not responsible for their privacy practices. Please review their privacy policies before providing personal information. ## 6. Data Protection & Security ### 6.1 How We Protect Your Data We implement industry-standard security measures to protect your information, including: - SSL/TLS encryption for all data transmitted over the internet - Secure servers with restricted access and password protection - Regular security audits and vulnerability assessments - Employee training on data privacy and security protocols - Secure disposal of physical documents containing personal information ### 6.2 Data Breach Notification If a breach of your personal information occurs, we will notify you within 72 hours (or as required by law) via email or phone. You will receive information about the breach, the steps we're taking, and recommended actions. ### 6.3 Limitations No method of transmission over the internet or electronic storage is 100% secure. While we use industry-standard protections, we cannot guarantee absolute security. ## 7. Your Rights & Choices ### 7.1 California Residents (CCPA/CPRA) Under the California Consumer Privacy Act, you have the right to: - **Know:** What personal information we collect, use, and share - **Delete:** Request deletion of personal information (with limited exceptions) - **Opt-Out:** Opt out of the "sale" or "sharing" of personal information (we do not currently "sell" data) - **Non-Discrimination:** We will not discriminate against you for exercising your rights To exercise CCPA rights, contact us at **troy@realestatefu.com** or call **760-304-1718**. We will respond within 45 days. ### 7.2 Colorado, Connecticut, Utah Residents (CPA, CTDPA, UCPA) You have similar rights to know, delete, and opt out as CCPA, with exceptions for mortgage lending. ### 7.3 General Rights (All Users) - **Access:** Request a copy of your personal information - **Correction:** Request correction of inaccurate information - **Deletion:** Request deletion (subject to legal retention requirements) - **Opt-Out of Marketing:** Unsubscribe from email, SMS, or phone marketing at any time - **Cookie Control:** Use the Cookiebot consent banner to manage your cookie preferences anytime - **Do Not Track:** Disable cookies in your browser settings ### 7.4 Cookie Consent Management **You can change your cookie preferences at any time** by: 1. Clicking the "Cookie Settings" or "Manage Preferences" button in the Cookiebot consent banner 2. Selecting which cookie categories you want to allow 3. Your preferences will be saved and honored immediately ### 7.5 TCPA Compliance **SMS/Text Marketing:** By providing your cell phone number, you consent to receive SMS updates regarding your loan application, refinance quote, or other mortgage-related communications. You may opt out by replying "STOP" to any text message. **Phone Calls:** We may call you using an autodialer to contact you about your mortgage application or refinance. Message and data rates may apply. You can opt out by requesting to be placed on our internal do-not-call list. **Do-Not-Call Registry:** We comply with the National Do-Not-Call Registry. Calls to numbers on this list are prohibited unless you have an existing business relationship with us. ## 8. Credit Reporting & FCRA Compliance ### 8.1 Credit Inquiries **Soft Inquiry (Pre-Qualification):** Does not affect your credit score. Used for initial rate quotes. **Hard Inquiry (Pre-Approval):** Will appear on your credit report and may temporarily lower your score by 5–10 points. Required with your consent for pre-approval and formal loan applications. ### 8.2 Fair Credit Reporting Act (FCRA) We comply with the FCRA when obtaining and using credit information. You have the right to: - Know what credit information is being used in decisions about you - Request a copy of your credit report from the bureaus - Dispute inaccurate information on your report - Receive a copy of your credit report free once per year (annualcreditreport.com) ### 8.3 Adverse Action Notice If we take adverse action (denial, approval with worse terms, rate increase) based partly on credit information, we will provide you with a notice of adverse action, including the credit bureau information used and your right to dispute. ## 9. Data Retention We retain your personal information for as long as necessary to: - Fulfill the purposes for which it was collected (loan origination, servicing, compliance) - Comply with federal mortgage lending regulations (typically 3–7 years after loan closing or application denial) - Comply with tax and accounting regulations (typically 7 years) - Defend against legal claims or comply with lawful requests After the retention period, we will securely delete or anonymize your information unless legal obligations require longer retention. ## 10. International Data Transfers Our services are offered from the United States. If you are located outside the US, your personal information will be transferred to, processed in, and stored in the United States, which may have different privacy laws. By using our services, you consent to this transfer. ## 11. Children's Privacy Our website and services are not directed to individuals under 18 years old. We do not knowingly collect personal information from children. If we discover we have collected information from a child under 18, we will delete it immediately. Parents/guardians can contact us to report. ## 12. Contact Us For privacy inquiries, data access requests, or to exercise your rights, contact: **Real Estate FU** Troy Huerta Email: **troy@realestatefu.com** Phone: **760-304-1718** Address: San Diego, CA We will respond to data access and deletion requests within 45 days. ## 13. Policy Changes We may update this Privacy Policy from time to time. Material changes will be posted here with a new "Last Updated" date. Your continued use of our website after changes constitutes your acceptance of the updated policy. --- [Refinance](https://realestatefu.com/refi.html) | [Debt Payoff](https://realestatefu.com/debt-payoff.html) | [Terms](https://realestatefu.com/terms.html) | [Main Site](https://realestatefu.com) © 2025 Real Estate FU, Inc. All rights reserved.