Privacy Policy

I only collect what you choose to give me. That typically happens when you fill out a form on this site — a contact form, a calculator, a rate quote request, a partner/agent inquiry, or a newsletter signup. Depending on which form you use, that might include:

• Your name
• Email address and phone number
• Details about what you're looking for (buying, refinancing, timeline, property info, etc.)
• Any other information you choose to share with me by phone, email, or through a form on this site

I don't ask for sensitive financial information like your Social Security number, income documents, or bank details through this website — that kind of information only gets collected later, through secure channels, once we're actually working on a loan application together.

If you send me information through this site, it's because you want me to follow up — so that's what I do. Specifically, I may use what you share to:

• Contact you about your question, your loan scenario, or your application
• Send you information about my services, rates, or market updates that I think you'd find useful
• Improve this website and the tools on it (like the calculators)
• Keep basic records of who's reached out and why

I don't sell your information, and I don't hand your contact details off to unrelated third parties to market to you. If that ever changes, I'll update this policy first.

I don't run SMS marketing campaigns to website visitors, and I won't enroll you in recurring text messages just because you filled out a form here. Any text-based follow-up would be a direct, one-to-one reply from me — not an automated marketing blast. Text messaging opt-in data and consent, where collected, is never shared with third parties for marketing purposes.

Like most websites, this one uses cookies — small files your browser stores that help me understand which pages get used and how the site is performing. Cookies don't give me access to your computer or anything stored on it, and they can't harm your device. You can block or delete cookies through your browser's settings any time; just know that doing so might make parts of the site work a little less smoothly.

I take reasonable precautions to protect the information you share with me. That said, no method of sending data over the internet is ever 100% secure, and I can't guarantee absolute security for anything transmitted through this site. Please don't send sensitive personal or financial information — Social Security numbers, account numbers, that kind of thing — through a contact form or by email. If you do choose to send that kind of information electronically, you're accepting the risk that comes with it.

You may come across links to outside websites here — a lender partner, a calculator resource, a news article. Those sites have their own privacy policies, and I'd encourage you to read them. I don't control those sites and I'm not responsible for their content, their privacy practices, or the security of any information you provide to them.

You can ask me at any time to:

• Stop contacting you
• Unsubscribe from my newsletter or email updates (every email includes an unsubscribe link)
• Tell me what information I have on file for you, or ask me to delete it

Just reach out using the contact information below and I'll take care of it.

If you're a California resident, you may have additional rights under California privacy law regarding the personal information I collect, including the right to request what's been collected and to request deletion. You can exercise these rights by contacting me directly using the information below.

This website isn't directed at children, and I don't knowingly collect information from anyone under 13.

I may update this policy from time to time as my business or this website changes. The version posted here is always the current one, and continuing to use the site after an update means you're okay with the current version.

If you have any questions about this policy or how your information is handled, reach out:

Chezney WosickUMortgage LLC
100 N 18th Street, STE 1400
Philadelphia, PA 19103
Email: cwosick@umortgage.com
Phone: (843) 492-6480