Privacy Policy

Your privacy is important to us. This Privacy Policy explains how Billy Robles (NMLS #2751970) and hecm.cash collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We may collect information about you in a variety of ways, including:

Personal Data

When you submit an inquiry, use our calculator, or contact us, we may collect personally identifiable information such as your name, email address, phone number, mailing address, date of birth, property information, financial information, and other information necessary to provide mortgage services.

Financial Information

If you apply for a HECM loan, we will collect financial information including income, assets, debts, credit history, and other information required for loan underwriting and processing. This information is collected in compliance with federal and state lending regulations.

Usage Data

We may automatically collect certain information when you visit our website, including your IP address, browser type, operating system, referring URLs, pages viewed, and the dates/times of your visits.

How We Use Your Information

We use the information we collect to:

• Process your mortgage loan application and provide related services
• Communicate with you about your inquiry or application
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Improve our website and services
• Send you educational content and updates (with your consent)
• Respond to your questions and provide customer support

Disclosure of Your Information

We may share your information with:

• Loan Factory, Inc. (NMLS #320841) - Our affiliated mortgage company
• Lenders and Investors - To process and underwrite your loan
• Service Providers - Third parties who assist in our operations (credit bureaus, appraisers, title companies, etc.)
• Legal and Regulatory Authorities - When required by law or to protect our rights
• Business Transfers - In connection with a merger, sale, or transfer of assets

We do not sell your personal information to third parties for marketing purposes.

Security of Your Information

We use administrative, technical, and physical security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal information
• The right to correct inaccurate information
• The right to request deletion of your information (subject to legal obligations)
• The right to opt-out of marketing communications
• The right to non-discrimination for exercising your privacy rights

California Residents: You may have additional rights under the California Consumer Privacy Act (CCPA). Please contact us to exercise these rights.

Cookies and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. You can set your browser to refuse cookies, but some features of our website may not function properly.

Third-Party Websites

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

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

Contact Us

If you have questions or comments about this Privacy Policy, please contact us: