Privacy Policy
1. Information Collection and Personal Data Categories
Majestic Mortgage collects various categories of personal information to provide efficient mortgage services and comply with legal obligations. Under the California Consumer Privacy Act (CCPA), we disclose that we may collect identifiers such as your real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, and email address (contact@majesticmortgage.site). Additionally, we collect information categorized as “Sensitive Personal Information” under California law, which includes Social Security numbers, driver’s license numbers, financial account information, and credit history when provided for loan applications. This data is collected directly from you when you fill out forms on our website or communicate with us, as well as indirectly through cookies and automated tracking technologies that monitor your interaction with our digital platforms. We maintain this information for as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements.
2. Purpose of Processing and Legal Basis
The primary purpose for processing your personal information is to facilitate the mortgage lending process, which includes verifying your identity, evaluating your creditworthiness, and communicating with you regarding your inquiries or applications. We use your email address, contact@majesticmortgage.site, to send important updates, disclosures, and promotional materials related to our services, provided you have not opted out of such communications. Furthermore, we process data to enhance our website functionality, ensure the security of our IT systems, and prevent fraudulent activities. Under California law, we must have a valid business purpose for collecting data, and our use of your information is strictly limited to these professional activities. We do not sell your personal information to third parties for monetary consideration, though we may share data with service providers and financial partners who assist us in delivering mortgage products and services under strict confidentiality agreements.
3. California Consumer Privacy Rights (CCPA/CPRA)
If you are a resident of California, you possess specific rights regarding your personal information that we are legally required to honor. You have the “Right to Know,” which allows you to request that we disclose what personal information we collect, use, disclose, and sell. You also have the “Right to Delete,” enabling you to request the deletion of personal information we have collected from you, subject to certain exceptions such as the completion of a transaction or compliance with a legal obligation. The “Right to Correct” allows you to request the rectification of inaccurate personal information that we maintain about you. Additionally, you have the “Right to Limit” the use and disclosure of your sensitive personal information to only that which is necessary to perform the services. To exercise any of these rights, you may submit a verifiable consumer request to us at contact@majesticmortgage.site. We will verify your identity before processing the request to ensure the security of your data and will not discriminate against you for exercising your privacy rights.
4. Third-Party Disclosure and Service Providers
Majestic Mortgage may share your personal information with trusted third-party service providers who perform functions on our behalf, such as credit bureaus, title companies, appraisers, and underwriting software providers. These third parties are contractually obligated to protect your information and are prohibited from using your personal data for any purpose other than providing services to us. We may also disclose your information if required to do so by law, such as in response to a subpoena, court order, or legal process, or to protect the rights, property, or safety of Majestic Mortgage, our clients, or the public. In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred to the acquiring entity as part of the business assets. We ensure that any such transfer is conducted in compliance with applicable California and federal privacy laws to maintain the continuity of your data protection.
5. Data Security and International Transfers
We implement a variety of technical and organizational security measures to maintain the safety of your personal information when you enter, submit, or access your data. These measures include encrypted connections (SSL), firewalls, and secure server hosting designed to prevent unauthorized access or disclosure. While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure; therefore, we cannot guarantee its absolute security. Our services are hosted in the United States and are intended for users located within the United States. If you are accessing our website from outside the U.S., please be aware that your information will be transferred to, stored, and processed in the United States, where our servers are located. By using our services and providing your information via contact@majesticmortgage.site, you consent to this transfer and processing in accordance with this Privacy Policy and U.S. law.
6. Updates to This Privacy Policy and Contact Information
Majestic Mortgage reserves the right to update or change this Privacy Policy at any time to reflect changes in our practices or the legal landscape. When we make material changes, we will notify you by posting the updated policy on this page and updating the “Last Modified” date at the top or bottom of the document. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting the personal information we collect. Your continued use of our website and services following the posting of changes to this policy will be deemed your acceptance of those changes. If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please reach out to our privacy compliance team directly via email at contact@majesticmortgage.site, and we will respond to your inquiry in a timely manner as required by California law.