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Florida Mortgage Brokerage

Legal

Terms of use and privacy policy

The policy, the legal disclaimer, and a plain description of what this site actually collects — so the two can be checked against each other.

Privacy policy

Florida Mortgage Brokerage Inc strongly believes that the responsible use of personal information collected on its websites is critical to its business objectives and reputation.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Your e-mail address and other details will only be retained for providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any Florida Mortgage Brokerage Inc related entity for the purpose intended or as required to be disclosed under law.

Where you have separately opted in to receive marketing from us, we will retain your e-mail address and contact details for that purpose until you withdraw that consent. Marketing consent is never required in order to receive a reply to your query, and you may withdraw it at any time by contacting us using the details on this site.

By submitting data on the Florida Mortgage Brokerage Inc website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

Legal disclaimer

Florida Mortgage Brokerage Inc hereby authorizes you to view, and print information on this web site subject to the fact that it is used for informational and non-commercial purposes.

It is our intention that data provided on a subject is of a general nature. Our web site does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this web site may violate copyright, trademark, and other laws.

Materials on this web site may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

How this applies here

Exactly what this site collects

A precise description of this website's behaviour, so the policy above can be checked against it rather than taken on trust.

  • The inquiry form collects a first and last name, an email address, an optional phone number, your contact preference, your timeframe, an optional county and an optional message. The reverse mortgage version also asks whether the homeowner is 62 or older and what the loan would be for. All of it goes to one destination system.
  • The calculators run entirely in your browser. Nothing you type into them is transmitted — with one exception, and that exception is opt-in. When you download a report you are offered the chance to email yourself a copy, and choosing to do so sends your email address together with the figures you entered on that calculator. The form says so before you submit it. Declining still downloads the report and sends nothing.
  • Neither form asks for a Social Security number, a date of birth, an account or card number, or any document — and the server refuses to forward a submission that appears to contain one, rather than passing it along.
  • Contact consent and marketing consent are recorded separately. Marketing consent is never required to get a reply, and declining it changes nothing else.
  • Applications and documents are not handled by this website at all. They go through a separate secure portal run by a third party, which has its own terms and its own privacy practices.
  • Server logs record the outcome of a submission, which form it came from, and a salted hash of the IP address. They never record a name, an email address, a phone number, a message, or any figure entered into a calculator.
  • No analytics provider is configured, so no analytics requests are made and no consent notice appears.
  • This site sets no cookies. One thing is stored in your own browser — your analytics consent choice — and it stays there.
  • No third-party scripts, fonts, trackers or embeds load in your browser. Fonts are served from this site. Where published mortgage survey rates are shown, they are fetched from the publisher on the server, so your browser never contacts them.
  • Links leave this site to government and industry sources (HUD, the CFPB, Fannie Mae, Freddie Mac, the FHFA, the Florida OFR, Florida Housing, FEMA, USDA and NMLS Consumer Access), to the award issuer, to the secure application portal, and to the site's designer. None of those is governed by the policy above.

Outstanding

What these documents do not yet cover

Listed here rather than left implicit, so the gaps are visible to the people who can close them.

  • A Gramm-Leach-Bliley privacy notice. A mortgage business handling consumer financial information generally owes one. It is a separate document with its own required content and delivery rules, and the policy above does not satisfy it.
  • Retention periods. The policy says details are kept to answer your query, and kept for marketing until you withdraw consent. Neither has a stated period, and neither says who holds them or what happens afterwards.
  • Who processes the data. One destination system receives every submission, and the secure application portal is a separate third party. Neither is named here, and neither has its terms linked.
  • How to ask what is held about you, or have it deleted. Withdrawing marketing consent is covered above; a general data access or deletion request is not.
  • Governing law, jurisdiction, limitation of liability, and how changes to these terms are notified — the standard terms-of-use provisions. These are substantive legal drafting and have not been written here.
  • A contact route for privacy and legal questions specifically, rather than the general enquiry form.
  • Whether text messaging is used. The policy carries the carrier-required SMS wording, which implies it is or will be; if so, the consent checkbox on the forms needs its own SMS language.