1. Introduction
Become Mortgage Free ("we," "us," or "our") operates the website becomemortgagefree.com and its associated tools, including the BMF Calculator available at calc.becomemortgagefree.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the practices described here, please do not use our services.
2. Information We Collect
We may collect the following categories of information:
- Contact Information: Name, email address, phone number, and mailing address when you voluntarily provide them through forms or inquiries.
- Financial Information: Mortgage balances, income, property values, and related data entered into our calculator tools. This information is used solely to generate personalized projections and is never sold.
- Account Credentials: If you are an authorized agent accessing the BMF Calculator portal, we collect login credentials managed through Netlify Identity.
- Usage Data: IP address, browser type, pages visited, time spent on pages, and referring URLs, collected automatically through standard web analytics.
- Communications: Any messages or inquiries you send us directly.
3. How We Use Your Information
We use the information we collect to:
- Provide, operate, and improve our services and calculator tools.
- Generate personalized mortgage payoff projections based on data you provide.
- Communicate with you about our services, respond to inquiries, and send relevant educational content.
- Authenticate authorized agents and manage access to the BMF Calculator portal.
- Analyze usage patterns to improve website performance and user experience.
- Comply with applicable laws and regulations.
- Protect against fraudulent or unauthorized use of our services.
4. How We Share Your Information
We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:
- Service Providers: We work with trusted third-party providers (such as hosting, analytics, and database services) who process data on our behalf under strict confidentiality obligations.
- Authorized Agents: If you are a client of an authorized BMF agent, your financial data entered into the calculator may be accessible to that specific agent for the purpose of providing you with mortgage payoff planning.
- Legal Requirements: We may disclose information if required by law, court order, or governmental authority.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, with notice provided to you.
5. Data Security
We implement commercially reasonable technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These include:
- HTTPS encryption for all data transmitted through our websites.
- Secure authentication systems for agent portal access.
- Database access controls limiting who can view stored client data.
- Regular review of our data practices and security measures.
However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security and encourage you to use strong, unique passwords and protect your account credentials.
6. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance your experience, analyze traffic, and understand how visitors interact with our site. You may configure your browser to refuse cookies, though some features may not function properly as a result. We do not sell data collected through cookies to advertising networks.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.
8. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal information, including:
- The right to access the personal information we hold about you.
- The right to request correction of inaccurate or incomplete information.
- The right to request deletion of your personal information, subject to certain exceptions.
- The right to opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails.
To exercise any of these rights, please contact us at the information below.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal information, we will take steps to delete it promptly.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically. Continued use of our services following any changes constitutes your acceptance of the revised policy.
11. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:
Become Mortgage Free
Email: info@becomemortgagefree.com
Website: becomemortgagefree.com