Privacy Policy

1. Introduction

This Privacy Policy applies to information collected through this website, through forms you submit, through phone, text, email, or other direct communications, and through related marketing, educational, and customer service interactions.

By using this site, submitting your information, or interacting with us, you agree that we may collect, use, disclose, and protect your information as described in this Privacy Policy and our Terms and Conditions.

2. Information We Collect

We may collect personal information directly from you, automatically through your use of the site, and from service providers or business partners.

Information you provide directly

• Name
• Email address
• Mailing address
• Loan, homeownership, or financial inquiry details
• Information you submit through forms, applications, surveys, calendars, or other website tools
• Any information you provide by email, chat, or other written communication

Information collected automatically

• IP address
• Browser type and device information
• Operating system
• Pages viewed, clicks, time on page, and referring URLs
• Cookie identifiers and similar tracking technologies
• General location information derived from IP address

Information from third parties

• Advertising or analytics providers
• CRM, automation, and email platforms
• Mortgage, application, or lead intake platforms
• Public databases, identity verification sources, or licensing-related services where permitted by law

3. How We Use Information

We may use your information for business and commercial purposes such as:

• Responding to your inquiries and requests
• Providing mortgage, real estate, educational, or related services
• Sending requested resources, updates, reminders, and follow-up communications
• Scheduling consultations, appointments, or calls
• Operating, maintaining, and improving our website and services
• Monitoring performance, trends, and user engagement
• Personalizing content, offers, and educational materials
• Sending marketing communications, where permitted by law
• Detecting fraud, abuse, security incidents, or unlawful activity
• Complying with legal, regulatory, recordkeeping, and business obligations

4. How We Share Information

We do not sell your personal information for money in the ordinary sense. We may, however, share information in limited circumstances, including:

• With service providers that help us host, manage, analyze, secure, or market our website and services
• With CRM, automation, scheduling, analytics, and email service platforms
• With business partners, affiliates, or vendors supporting your request or transaction
• When necessary to comply with law, regulation, subpoena, court order, or legal process
• To protect our rights, property, business, staff, users, or the public
• In connection with a merger, acquisition, sale of assets, financing, or similar business transaction
• With your consent or at your direction

Some privacy laws define “sharing” broadly enough to include certain advertising or analytics activity. If applicable law gives you the right to opt out of that activity, you may exercise that right as described below.

5. Cookies & Tracking Technologies

We and our vendors may use cookies, pixels, tags, scripts, session replay tools, analytics tools, and similar technologies to understand website usage, improve performance, remember preferences, and support marketing efforts.

These technologies may be used to:

• Keep the website functioning properly
• Remember preferences and settings
• Measure traffic and engagement
• Understand ad performance
• Help us deliver more relevant content or promotions

You can manage some cookies through your browser settings and, where available, through cookie preference tools on the website.

6. Calls, Texts & Emails

If you submit your contact information to us, you may receive emails relating to your inquiry, account, requested information, educational content, appointment-related communication, and marketing communications where permitted by law.

You may opt out of marketing emails at any time by clicking the unsubscribe link in the email or by contacting us at support@patrickdcollins.com.

7. AI & Automation

We may use automation tools, artificial intelligence tools, language models, and related technologies to help improve internal workflows, content delivery, customer experience, service quality, and business operations.

Where permitted by law, information may be processed through these systems for support, analysis, drafting, classification, summarization, or service improvement. We do not use AI to replace licensed professional judgment where such judgment is required.

8. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, maintain business records, comply with legal obligations, resolve disputes, and enforce agreements.

Retention periods may vary based on the type of information, the nature of the relationship, and legal or operational requirements.

9. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction.

No website, platform, email system, or data storage method can be guaranteed to be 100% secure. By using this site and communicating electronically with us, you acknowledge that there is always some risk involved.

10. California Privacy Rights

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including the right to know, access, correct, delete, and limit certain uses of your personal information, as well as the right to opt out of certain sales or sharing of personal information for cross-context behavioral advertising.

Your California rights may include

• The right to know what personal information we collect, use, disclose, share, or retain
• The right to request access to specific pieces of personal information
• The right to request deletion of personal information, subject to exceptions
• The right to request correction of inaccurate personal information
• The right to opt out of the sale or sharing of personal information, where applicable
• The right not to be discriminated against for exercising your privacy rights

Global Privacy Control

We recognize and honor browser-based Global Privacy Control, or GPC, signals as a valid request to opt out of the sale or sharing of personal information where such rights apply.

How to exercise your rights

To submit a privacy request, email support@patrickdcollins.com. We may need to verify your identity before completing your request.

You may also designate an authorized agent to make a request on your behalf, subject to verification and applicable legal requirements.

11. Children’s Privacy

This website is not intended for children under the age of 18, and we do not knowingly collect personal information directly from children under 18 through this site. If you believe a child has provided personal information to us, please contact us so we can review and address the issue.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business, technology, legal requirements, or privacy practices.

When we make changes, we will post the updated version on this page and revise the “Last Updated” date at the top. Your continued use of the website after changes are posted means you accept the updated policy.

13. Contact Us

If you have any questions about this Privacy Policy or would like to exercise your privacy rights, you may contact us at:

• Email: support@patrickdcollins.com
• Mail: 254 Lake Ave #213, Pasadena, CA 91101