Privacy Policy

Patron Mortgage ("we," "us," or "our") is a California licensed mortgage broker (NMLS 1747739). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit patronmortgage.com or contact us about mortgage services. By using our website, you agree to the practices described below.

1. Information We Collect

We may collect the following categories of personal information:

• Contact information — name, email address, phone number
• Loan inquiry details — property type, loan purpose, estimated credit range, income information you voluntarily provide
• Usage data — IP address, browser type, pages visited, referring URLs, and time spent on pages (collected via analytics tools)
• Communications — messages you send through our contact form or by email

We do not collect Social Security numbers, full financial account numbers, or formal loan application data through this website. Formal applications are processed through separate, secured systems.

2. How We Use Your Information

We use the information we collect to:

• Respond to your mortgage inquiries and provide loan quotes
• Communicate with you about loan programs, rates, and services
• Improve our website content and user experience
• Comply with applicable federal and California state laws and regulations
• Prevent fraud and protect the security of our systems

We do not sell your personal information to third parties for their own marketing purposes.

3. Sharing Your Information

We may share your information with:

• Lending partners and wholesale lenders — only when you request a loan quote or application, and only to the extent necessary to process your request
• Service providers — third-party vendors who assist us with website hosting, analytics, and email delivery, under confidentiality obligations
• Legal and regulatory authorities — when required by law, court order, or to comply with our obligations as a licensed mortgage broker

4. Cookies and Analytics

Our website uses cookies and similar tracking technologies to analyze traffic and improve your experience. We use Google Analytics 4 (GA4) to collect anonymized usage data. Analytics cookies are only loaded after you grant consent via our cookie banner. You may withdraw consent at any time by clearing your browser cookies or adjusting your browser settings. We do not use cookies to serve targeted advertising.

5. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know — request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete — request deletion of your personal information, subject to certain exceptions
• Right to Correct — request correction of inaccurate personal information
• Right to Opt-Out — we do not sell personal information, so no opt-out is required; however, you may contact us to limit sharing with lending partners
• Right to Non-Discrimination — we will not discriminate against you for exercising any of these rights

To exercise any of these rights, contact us at [email protected] or call (916) 529-3707. We will respond within 45 days as required by law.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations as a licensed mortgage broker, resolve disputes, and enforce our agreements. Contact form submissions are retained for up to 3 years.

8. Third-Party Links

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

9. Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: