Privacy Policy

How we protect your personal information
Effective Date: January 1, 2025
Last Updated: February 5, 2025

Your Privacy Matters

At Cambria Mortgage, we are committed to protecting your privacy and personal information. This Privacy Policy explains how Joe Metzler (NMLS #274132) and Cambria Mortgage collect, use, disclose, and protect your personal information when you visit our website or apply for mortgage services.

Information We Collect

Personal Information

When you apply for a mortgage or use our services, we may collect:

• Name, address, phone number, and email address
• Social Security number and date of birth
• Employment and income information
• Financial information (bank accounts, debts, assets)
• Credit history and credit scores
• Property information and loan details
• Government-issued identification

Website Information

When you visit our website, we may automatically collect:

• IP address and browser information
• Pages visited and time spent on our site
• Referral source and exit pages
• Device type and operating system
• Cookies and tracking technologies

How We Use Your Information

We use your personal information to:

• Process and underwrite your mortgage application
• Verify your identity and prevent fraud
• Communicate with you about your loan
• Comply with federal and state regulations
• Improve our services and website functionality
• Send you relevant mortgage-related information
• Respond to your questions and requests

Information Sharing and Disclosure

Service Providers

We may share your information with:

• Lenders and investors who may fund your loan
• Credit reporting agencies
• Appraisers and property inspectors
• Title companies and settlement agents
• Technology and processing service providers

Legal Requirements

We may disclose your information when required by:

• Federal and state mortgage regulations
• Court orders or legal proceedings
• Government agency requests
• Anti-money laundering requirements
• Fraud prevention and investigation

Business Transfers

If Cambria Mortgage is acquired or merges with another company, your information may be transferred as part of that transaction.

Data Security

We implement industry-standard security measures to protect your personal information:

• 256-bit SSL encryption for data transmission
• Secure servers and firewalls
• Regular security audits and updates
• Employee training on data protection
• Access controls and authentication
• Secure document storage and disposal

Cookies and Tracking

Our website uses cookies to:

• Remember your preferences and settings
• Analyze website traffic and usage
• Improve user experience
• Provide targeted advertising
• Enable website functionality

You can manage cookie preferences through your browser settings. Disabling cookies may limit website functionality.

Third-Party Services

Our website uses third-party services that may collect information:

• Google Analytics: Website traffic analysis
• Facebook Pixel: Advertising and remarketing
• Tawk.to: Live chat support
• Lead Generation Platforms: Application processing
• Calendly: Appointment scheduling

These services have their own privacy policies governing their data practices.

Your Rights and Choices

Access and Correction

You have the right to:

• Request a copy of your personal information
• Correct inaccurate information
• Update your contact preferences
• Request deletion of certain information

Communication Preferences

You can opt out of:

• Marketing emails (unsubscribe link provided)
• Text message communications
• Phone marketing calls
• Direct mail communications

Note: You cannot opt out of communications required for loan processing or legal compliance.

California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale of personal information
• Right to non-discrimination for exercising CCPA rights

To exercise these rights, contact us using the information below.

Data Retention

We retain your personal information:

• For as long as required by federal and state regulations
• Typically 3–7 years after loan completion or application withdrawal
• Until you request deletion (where legally permissible)
• As needed for business purposes and legal compliance

Children’s Privacy

Our services are not intended for children under 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.

Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on our website with an updated effective date. Continued use of our services constitutes acceptance of the updated policy.

Contact Information