Privacy Policy

1. Introduction

Innovative Home Loan (“we,” “our,” or “us”), operated by Jason Seibel (NMLS #171895), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website or submit a loan inquiry.

This policy applies to residents of all states in which we are licensed, including Oregon, Washington, California, Idaho, Texas, Florida, Tennessee, and South Carolina.

2. Information We Collect

Information you provide:

• Name, email address, phone number
• Loan inquiry details (loan type, purchase price, estimated credit score)
• Property information
• Any other information you voluntarily submit through our contact form

Information collected automatically:

• IP address and browser type
• Pages visited and time spent on site
• Referring URL
• Cookie data (see Section 5 below)

3. How We Use Your Information

We use the information we collect to:

• Respond to your loan inquiry or pre-approval request
• Contact you via phone, email, or text (with your consent)
• Improve our website and services
• Comply with federal and state regulatory requirements (RESPA, TILA, ECOA, Fair Housing Act)
• Analyze site traffic and usage patterns

4. Information Sharing & Disclosure

We do not sell your personal information. We may share your information with:

• Lenders and wholesale partners — to process your loan application
• Service providers — who assist us in operating our website (e.g., web hosting, analytics)
• Regulatory authorities — as required by law (NMLS, CFPB, state regulators)
• Law enforcement — when required by valid legal process

We require all third parties to keep your information confidential and use it only for the specific purpose for which it was shared.

5. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our site. Types of cookies we use:

• Essential cookies: Required for site functionality (e.g., storing your cookie consent preference). These cannot be disabled.
• Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics). These can be declined via our cookie banner.

You can manage your cookie preferences at any time using our cookie consent banner. You may also configure your browser to refuse cookies, though some site features may not function correctly.

6. California Residents — CCPA Rights

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and its 2023/2024 amendments:

• Right to Know: Request disclosure of what personal information we have collected, used, shared, or sold
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Opt-Out: Opt out of the sale or sharing of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising any CCPA rights

Do Not Sell or Share My Personal Information: We do not sell personal information. If you would like to opt out of any sharing for cross-context behavioral advertising, please email us at jason@innovativehomeloan.comwith subject line “CCPA Opt-Out Request.”

To submit a CCPA request, contact us at the email below. We will respond within 45 days.

7. TCPA — Text & Phone Contact

By submitting our contact form and providing your phone number, you expressly consent to receive calls and text messages from Innovative Home Loan at the number provided, including via autodialer or pre-recorded messages, regarding your loan inquiry. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us directly.

8. Data Security

We implement industry-standard security measures to protect your personal information, including SSL encryption and secure data storage. However, no transmission over the internet is 100% secure. We cannot guarantee the absolute security of information transmitted to our website.

9. Children's Privacy

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

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the “Last Updated” date above. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: