This Privacy Policy applies to information collected through this website, website forms, emails, phone calls, text messages, online advertising, analytics tools, and related communications regarding mortgage products or services.
Mortgage related information often includes nonpublic personal information. Federal financial privacy rules require covered financial institutions to provide privacy notices and limit certain disclosures of nonpublic personal information to nonaffiliated third parties. The FTC Safeguards Rule also requires covered financial institutions to maintain safeguards for customer information.
We collect information that you provide directly through this website, by email, by phone, by text message, or through other communications.
The information collected includes:
Name.
Email address.
Phone number.
Mailing address.
Property address.
Loan purpose.
Estimated loan amount.
Estimated property value.
Purchase or refinance information.
Employment information.
Income information.
Asset information.
Credit related information.
Mortgage goals.
Preferred contact method.
Any message, document, or form submission provided by you.
If you submit mortgage related information, that information is treated as financial and nonpublic personal information where required by law.
We also collect website and device information automatically, including:
IP address.
Browser type.
Device type.
Operating system.
Pages viewed.
Links clicked.
Time spent on the website.
Referring website.
Approximate location based on IP address.
Advertising interaction data.
Cookie and tracking information.
When you submit a form on https://merchomeloans.com, the information is sent by email and stored in Google Sheets.
This means your form submission is processed through website form systems, email systems, and Google Sheets. These tools are used to receive, organize, review, and respond to mortgage related inquiries.
Do not submit highly sensitive information through a website form unless requested through a secure process. For formal loan applications or document submissions, secure loan application or document systems should be used when available.
We use personal information to:
Respond to mortgage inquiries.
Contact you about loan options.
Schedule consultations.
Review basic mortgage needs.
Assist with prequalification or loan related discussions.
Provide information about mortgage products or services.
Communicate by phone, email, or text message.
Maintain records of your inquiry.
Improve website performance.
Measure advertising results.
Detect fraud or unauthorized activity.
Comply with legal, licensing, audit, and regulatory duties.
Protect our rights, systems, users, and business operations.
We use financial and mortgage related information only for lawful mortgage related purposes, including inquiry review, loan discussion, application support, compliance, fraud prevention, recordkeeping, and related business operations.
We do not sell leads.
We do not sell your personal information for money.
We disclose personal information only for mortgage related, business, legal, operational, security, or compliance purposes.
Information is disclosed to:
PRMG and related mortgage personnel involved in responding to your request.
Mortgage lenders, processors, underwriters, settlement service providers, title providers, appraisal providers, insurance providers, credit reporting agencies, verification providers, and other parties involved in a mortgage transaction, where applicable.
Website hosting providers.
Email providers.
Google Sheets.
Analytics providers.
Advertising platforms, including Google Ads and Meta.
CRM, compliance, cybersecurity, recordkeeping, and technology service providers, if used.
Government agencies, regulators, courts, law enforcement, auditors, attorneys, or licensing authorities, when required or permitted by law.
We also disclose information when you direct us to do so, when needed to complete a transaction, when needed to protect against fraud, or when required under applicable law.
Nonpublic personal information includes personally identifiable financial information that is not publicly available and that relates to a mortgage inquiry, prequalification, application, loan transaction, or financial service request.
Examples include income, employment, assets, liabilities, credit related information, property information, loan amount, loan purpose, transaction details, and supporting documents.
We protect nonpublic personal information under applicable federal and state financial privacy requirements. Regulation P addresses privacy notices, disclosure limits, and opt out rights for certain disclosures of nonpublic personal information by financial institutions.
We disclose nonpublic personal information only as needed to provide mortgage services, process or support a transaction, comply with law, prevent fraud, maintain records, respond to regulators, or as otherwise permitted by law.
We do not pull a credit report unless proper authorization has been obtained where required.
Credit related information is used for mortgage evaluation, loan discussions, prequalification, application processing, underwriting support, fraud prevention, compliance, and related mortgage purposes.
Credit information is shared only with parties involved in the mortgage process, service providers, regulators, or other parties as required or permitted by law.
This website uses cookies and similar tracking technologies.
The website uses:
Google Analytics.
Google Ads.
Meta Pixel.
Other standard website tracking and advertising tools.
These technologies collect information about website visits, device activity, page views, ad interactions, referral sources, and visitor behavior.
We use these tools to:
Measure website traffic.
Understand how visitors use the website.
Improve the website.
Measure advertising performance.
Show or support relevant advertising.
Track conversions from ads.
Improve marketing campaigns.
Advertising and analytics tools place or read cookies, pixels, tags, or similar technologies on your browser or device.
Some privacy laws treat certain advertising or analytics disclosures as “sharing” personal information for targeted or cross context behavioral advertising. The California Privacy Protection Agency describes rights related to collection, use, sale, and sharing of personal information under the CCPA.
Although this business does not target California residents, privacy choices are honored where required by applicable law.
You are able to control cookies through browser settings.
You are also able to adjust advertising preferences through Google, Meta, and browser based privacy settings.
Blocking cookies affects website functionality, analytics, ad measurement, and form performance.
Where required by applicable law, we honor legally required opt out preference signals and privacy requests.
By submitting your phone number or email address, you authorize contact regarding your mortgage inquiry, appointment, loan options, or related services.
Contact includes phone calls, emails, and text messages.
Message and data rates apply for text messages.
You have the right to opt out of marketing emails by using the unsubscribe option where provided or by contacting us.
You have the right to opt out of marketing text messages by replying STOP where available.
Opting out of marketing communications does not stop transactional, service related, security related, legal, or application related communications.
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information.
Safeguards include access controls, limited access to inquiry records, use of service providers for website and data handling, security procedures, recordkeeping controls, and reasonable measures to reduce unauthorized access, disclosure, alteration, or loss.
The FTC Safeguards Rule requires covered financial institutions to maintain measures to protect customer information and to take steps regarding service providers that handle customer information.
No website, email system, spreadsheet, text message, or online transmission is fully secure. Sensitive mortgage documents should be submitted only through secure channels when available.
Website form submissions are delivered by email and stored in Google Sheets.
Access to email and Google Sheets should be limited to authorized personnel who need the information for mortgage related purposes.
Information stored in email and Google Sheets is retained only as long as needed for business, legal, regulatory, licensing, compliance, recordkeeping, fraud prevention, or mortgage related purposes.
We retain personal information for the period needed to:
Respond to your inquiry.
Provide mortgage related services.
Maintain business records.
Comply with mortgage licensing rules.
Comply with federal and state recordkeeping laws.
Respond to audits or regulatory requests.
Prevent fraud.
Resolve disputes.
Enforce agreements.
Protect legal rights.
Retention periods vary based on the type of information, the reason for collection, legal obligations, and business needs.
Depending on your state of residence and applicable law, you have privacy rights related to your personal information.
These rights include:
Requesting access to personal information.
Requesting correction of inaccurate information.
Requesting deletion of certain information.
Requesting information about disclosures.
Opting out of marketing communications.
Opting out of certain targeted advertising where required by law.
Requesting limits on certain uses of sensitive personal information where required by law.
Privacy rights are subject to exceptions. Mortgage and financial records often must be retained for compliance, audit, fraud prevention, transaction, licensing, and legal reasons.
To submit a privacy request, contact:
Jim Mercantini
Email, JMercantini@prmg.net
Phone, +1 757-553-6972
Mailing Address, 401 Grace St, Smithfield, VA, 23430
Website, https://merchomeloans.com
NMLS ID, 75243
We verify requests before responding.
Sensitive personal information is collected only when needed for mortgage related services, identity verification, compliance, security, fraud prevention, or legally permitted purposes.
Sensitive information includes income details, assets, liabilities, credit related information, government identification information, loan documents, property information, and other financial information.
We do not use sensitive personal information for unrelated purposes.
This website is intended for adults seeking mortgage information or services.
We do not knowingly collect personal information from children under 13.
If information from a child under 13 is identified, the information is deleted where required by law.
This website links to third party websites, platforms, lenders, service providers, social media pages, or tools.
Those third parties operate under their own privacy policies, security practices, and terms.
We are not responsible for the privacy practices of third party websites.
Some browsers send “Do Not Track” signals.
The website does not respond to every browser based “Do Not Track” signal.
Where required by law, legally recognized opt out preference signals are honored.
We do not sell leads to outside companies.
Information submitted through this website is used to respond to your inquiry, provide mortgage related assistance, communicate with you, support business operations, measure advertising, and comply with legal obligations.
This Privacy Policy is updated from time to time to reflect changes in law, technology, services, website tools, advertising tools, or business practices.
The revised version will be posted on this website with a new effective date.
For questions, privacy requests, or concerns, contact:
Jim Mercantini
Loan Officer with PRMG
NMLS ID, 75243
401 Grace St, Smithfield, VA, 23430
Phone, +1 757-553-6972
Email, JMercantini@prmg.net
Website, https://merchomeloans.com
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Jim Mercantini, NMLS ID 75243, loan officer with PRMG. This website collects mortgage inquiry information and uses email, Google Sheets, Google Analytics, Google Ads, and Meta Pixel. We do not sell leads. Personal and financial information is used for mortgage related services, communication, compliance, fraud prevention, and business operations.