Privacy Policy

1. Introduction

David Kowal - Real Estate & Mortgage Expert ("we," "us," "our," or "Company") operates davidkeysandloans.com and related services. We are committed to protecting your privacy and ensuring you have a positive experience on our website.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. Please read this policy carefully. If you do not agree with our policies and practices, please do not use our website.

2. Information We Collect

2.1 Information You Provide Directly

We collect information you voluntarily provide when you:

• Contact Forms: Name, email address, phone number, property details, loan preferences
• Pre-Approval Forms: Financial information, employment history, credit authorization
• CMA Requests: Property address, property details for comparable market analysis
• Email Subscriptions: Email address for rate alerts and market updates
• Consultation Requests: Availability, location preferences, specific questions

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

• Device Information: Browser type, operating system, device type (desktop/mobile/tablet)
• Usage Data: Pages visited, time spent on site, links clicked, referral sources
• IP Address: Your internet protocol address for security and analytics
• Cookies: Session cookies for functionality and persistent cookies for preferences

2.3 Third-Party Information

We may receive information from:

• Credit reporting agencies (with your authorization)
• Public property records and MLS databases
• Referral partners and affiliate networks

3. How We Use Your Information

We use collected information to:

• Process mortgage pre-approvals and loan applications
• Provide real estate services and buyer/seller representation
• Send rate alerts, market updates, and educational content
• Respond to inquiries and provide customer support
• Improve website functionality and user experience
• Measure marketing effectiveness and campaign performance
• Comply with legal and regulatory requirements
• Prevent fraud and ensure website security
• Send promotional offers (with your consent)
• Conduct market research and analytics

4. How We Share Your Information

4.1 Service Providers

We share information with trusted service providers who assist us in operating our website and providing services, including:

• Mortgage lenders and underwriters (NEXA Lending, wholesale partners)
• Real estate MLS databases and property information services
• Email service providers for communications
• Website hosting and analytics providers
• Payment processors (if applicable)

4.2 Legal Requirements

We may disclose your information when required by law or when we believe in good faith that disclosure is necessary to:

• Comply with applicable laws, regulations, or legal processes
• Enforce our Terms of Service and other agreements
• Protect the security or integrity of our website
• Protect the rights, privacy, safety, or property of our users or the public

4.3 What We Do NOT Share

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We do not share your information with unaffiliated companies for their own marketing without your explicit consent.

5. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. 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.

For mortgage pre-approval and loan application information, we comply with federal security standards including encryption, secure socket layers (SSL), and restricted access controls.

6. Your Privacy Rights

6.1 Access and Correction

You have the right to access, review, and request corrections to your personal information. To do so, please contact us at [email protected] or (425) 777-1509.

6.2 Opt-Out Rights

You may opt out of receiving promotional emails by clicking the "unsubscribe" link in any email or by contacting us directly. Please note that even if you opt out of promotional communications, we will continue to send you transactional messages related to your mortgage application or real estate transaction.

6.3 CCPA Rights (California Residents)

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

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information collected from you
• Right to opt-out of the sale or sharing of your personal information
• Right to non-discrimination for exercising your CCPA rights

To exercise these rights, please submit a request to [email protected] with "CCPA Request" in the subject line.

6.4 GDPR Rights (EU Residents)

If you are located in the European Union, you have rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, erase, restrict processing, data portability, and object to processing. To exercise these rights, please contact us at [email protected].

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience. Cookies are small files stored on your device that help us remember your preferences and track website usage.

Types of cookies we use:

• Essential Cookies: Required for website functionality (login, form submission)
• Preference Cookies: Remember your settings and preferences
• Analytics Cookies: Help us understand how you use our website (currently disabled)

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, blocking cookies may affect website functionality.

8. Mortgage Lending Specific Disclosures

As a mortgage lender and loan officer, we are subject to federal regulations including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and Fair Lending laws. Your personal information is used to:

• Verify employment, income, and credit history (with your authorization)
• Determine loan eligibility and pricing
• Comply with anti-money laundering (AML) and know-your-customer (KYC) regulations
• Fulfill reporting requirements to the Consumer Financial Protection Bureau (CFPB)
• Maintain compliance with Fannie Mae, Freddie Mac, and FHA guidelines

Your information may be shared with underwriters, processors, appraisers, title companies, and other parties necessary to complete your loan transaction.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Specifically:

• Loan Application Data: Retained for 3-7 years per TILA/RESPA requirements
• Real Estate Transaction Data: Retained for 3-7 years per state law
• Marketing Communications: Retained until you unsubscribe
• Website Analytics: Retained for 12-24 months

After retention periods expire, we securely destroy your information unless required by law to retain it longer.

10. Third-Party Links

Our website may contain links to third-party websites (eXp Realty, NEXA Lending, MLS databases, etc.). 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.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

12. Policy Changes

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on this page and updating the "Last Updated" date. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.