Privacy Policy

Last Updated: November 21, 2025

At Darrel Kelley Mortgage Services, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Contact us via email or phone
• Request a consultation or quote
• Apply for mortgage refinancing services
• Subscribe to our newsletter or communications

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Financial information (income, assets, credit score, existing mortgage details)
• Employment information
• Property information
• Social Security Number (when required for application processing)

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Referring website addresses
• Pages visited and time spent on pages
• Device identifiers

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our mortgage refinancing services
• To process your refinancing application and verify your eligibility
• To communicate with you about our services, including responding to inquiries
• To send you updates, marketing communications, and promotional materials (with your consent)
• To comply with legal obligations and regulatory requirements
• To detect, prevent, and address fraud or security issues
• To analyze website usage and improve user experience

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

• Lenders and financial institutions
• Credit reporting agencies
• Title companies and appraisers
• Technology service providers
• Professional advisors (attorneys, accountants)

Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Government or regulatory requests
• Enforcement of our terms and conditions
• Protection of our rights, privacy, safety, or property

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure server infrastructure
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information (subject to legal requirements)
• Opt-Out: You can opt out of receiving marketing communications at any time
• Data Portability: You can request a copy of your data in a portable format

To exercise these rights, please contact us at support@darrelkelley.com

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device. You can control cookies through your browser settings, but disabling cookies may limit certain website functionality.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

11. Compliance

We comply with applicable federal and state privacy laws, including:

• Gramm-Leach-Bliley Act (GLBA)
• Fair Credit Reporting Act (FCRA)
• Real Estate Settlement Procedures Act (RESPA)
• State-specific privacy regulations