Documents and tool inputs: uploaded Loan Estimates, information contained in those documents, calculator inputs you submit, and generated summaries or comparisons.
Communications and preferences: messages, appointments, consent selections, opt-out requests, and the wording, time, and source of an online consent. If a call is recorded or transcribed with the required notice and consent, the recording, transcript, and related notes.
Device and activity data: IP address, browser and device details, referring pages, page visits, interactions, cookie identifiers, approximate location inferred from IP address, and website or advertising activity.
Information comes from you, your authorized representatives, website and communications technology, public property records, and lenders or vendors supporting a transaction. Credit information is obtained only through a permissible process; a general website inquiry is not itself permission to pull credit.
We use relevant information to answer requests, review mortgage options and documents, prepare estimates, coordinate applications and transactions, schedule appointments, maintain records, prevent fraud, secure and improve our services, and meet legal and regulatory obligations. With the required permissions, we also use information for mortgage education, rate updates, offers, and other marketing.
Website and advertising information may be used to measure campaigns, understand interest in our services, and personalize advertising. Sensitive application information is handled for the mortgage and related compliance purposes for which it is provided, subject to applicable financial privacy requirements.
We disclose information as appropriate to:
Service providers: website hosting, CRM, email and SMS delivery, scheduling, document processing, security, and AI or communications vendors that support our services.
Transaction participants: lenders, credit and verification providers, appraisers, title and escrow companies, and other participants as needed and permitted to evaluate, arrange, or complete your requested transaction.
Advertising and analytics partners: information about devices, website activity, and audience identifiers used in advertising programs, subject to your applicable privacy choices.
Legal and business recipients: regulators, courts, professional advisers, and others where required or permitted for legal obligations, fraud prevention, protecting rights, or a business transfer with applicable privacy protections.
Recipients you authorize: people or businesses you direct us to contact or share information with.
A service vendor may process information for a specified function; that does not authorize another seller to use your communications consent for its own marketing. Mobile numbers, SMS opt-in records, and text-message consent are not sold or shared with third parties or affiliates for their independent marketing or promotional purposes. They may be provided to vendors that help deliver our messages or administer consent, or disclosed as required by law.
Communications may include responses to an inquiry, transaction updates, and separately authorized marketing. Where legally required, we obtain consent before sending automated texts or making calls using an automatic telephone dialing system, artificial or prerecorded voice, or an AI-generated voice. Marketing consent is optional and is not a condition of obtaining credit, purchasing services, or receiving a response to your inquiry.
Text frequency varies; message and data rates may apply. Reply STOP to unsubscribe or HELP for assistance, or contact us using the details below. Reasonable requests to stop calls or texts may also be made by email, telephone, or another reasonable channel. Marketing emails include an unsubscribe method. Our Communications Policy explains the program and your choices.
We may use AI-supported tools to assist with document extraction, Loan Estimate summaries, written responses, administrative work, and automated voice conversations. Relevant inputs, communications, and documents may be processed by vendors supporting those functions. These tools can make mistakes or omit context; automated output is preliminary and should be reviewed with a mortgage professional.
When an AI voice assistant is used, it should identify itself as automated and identify Electronic Mortgages. You can request help from Yosef rather than relying on the automated interaction. Separate notice and any required consent are obtained before recording or transcribing a confidential call; agreeing to a website policy does not by itself authorize recording.
AI processing is not permission for public disclosure of your documents or unrestricted use of your financial information. Contact us before uploading sensitive documents if you want to discuss available alternatives or have questions about a tool’s processing.
Our website, hosting platform, and integrated providers may use cookies, pixels, and similar technologies for functionality, security, measurement, and advertising. Advertising programs may include Google or Meta services and audience tools. Third parties may collect online identifiers and activity over time and across other websites or services. Transfers for cross-context advertising can be “sharing,” or in some circumstances a “sale,” under applicable privacy law even if no money changes hands.
Browser settings can limit cookies, although they do not necessarily stop every type of tracking or audience matching. You can also manage advertising preferences through Google My Ad Center and Meta’s ad preferences . These settings are separate from an opt-out request to us.
The older browser “Do Not Track” setting does not automatically change this website’s behavior. It is different from Global Privacy Control (GPC), a qualifying opt-out preference signal that covered businesses must process where required by law. Contact us if you want an opt-out applied to identified customer or audience records as well. An advertising opt-out does not prevent information needed for security, a requested service, or legally required recordkeeping.
Do Not Sell or Share My Personal Information: To request an opt-out of advertising-related sale or sharing, email [email protected] or call (707) 280-9627 . Tell us the choice you want applied and enough information to locate the relevant record or device where necessary. You do not need to open an account or agree to marketing.
Where the California Consumer Privacy Act applies to the business and information involved, California residents may request access to information, correction, deletion, an opt-out of sale or sharing, and limits on qualifying uses of sensitive information, without unlawful discrimination. An authorized agent may submit a request with appropriate authorization. Certain information handled under financial privacy or credit-reporting laws is subject to different requirements or exemptions; this is not a blanket exemption for all website data.
To ask about, review, or request changes to your information, use the email, telephone, or mailing address below. We may reasonably verify identity for access, correction, or deletion requests, and retain information required by law or necessary to protect rights. We will respond as required by applicable law. Do not email Social Security numbers, bank passwords, or unredacted identity documents to verify a request.
Retention depends on the information’s purpose, the mortgage or inquiry relationship, legal recordkeeping requirements, security needs, and dispute or audit obligations. Inquiry and communications records, consent and suppression records, transaction documents, and website data may have different retention periods. Information is not kept indefinitely merely because it might be useful; contact us with questions about a particular record.
We use reasonable administrative, technical, and physical safeguards appropriate to the information and applicable requirements. No website, email, SMS system, or storage service can promise absolute security. Use the designated application portal or document-upload channel rather than ordinary email or text for sensitive documents. Vendors may process data in the United States or other locations, subject to applicable safeguards and legal requirements.
Our mortgage services are intended for adults age 18 or older. We do not knowingly solicit personal information from children under 13. Contact us if a child has submitted information so we can review and address it.
Application portals, calendars, social networks, review platforms, and other linked services have their own privacy practices. Review their notices before providing information. A link does not make their practices identical to ours.
We may update this policy as our services, technology, or legal requirements change. The revision date appears above. We provide additional notice or obtain new consent when legally required; a policy update does not retroactively expand an existing marketing or recording consent.
Electronic Mortgages Inc — Privacy inquiries 1643 Via Tulipan, San Clemente, CA 92673 [email protected] (707) 280-9627
Yosef Shapiro, mortgage broker in San Clemente, serving Orange County and all of California.
1643 Via Tulipan San Clemente, CA 92673
(707) 280-9627 [email protected]
Mon–Fri: 8 AM–6 PM · Sat: 9 AM–1 PM Pacific Time
Electronic Mortgages Inc · Company NMLS #275208 · California DRE #01316639
Yosef Shapiro · Individual NMLS #896711 · California DRE Broker #01711569
Real Estate Broker, California Department of Real Estate. · Equal Housing Opportunity.
This website is for educational purposes only and is not a commitment to lend, a guarantee of approval, an offer to extend credit, or a rate lock. Loans may be arranged through third-party lenders and are subject to a full application, credit approval, underwriting, eligibility, and other restrictions. Rates, programs, terms, fees, payment figures, and timelines are estimates and may change without notice. Actual terms depend on credit, income, assets, property, down payment, and the loan program. Estimates may not include taxes, insurance, prepaid items, or other fees. Website information is not individualized tax, legal, or financial advice.
© Electronic Mortgages Inc