Privacy Policy

1. Introduction

Welcome to Tampa Mortgage Man! We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at [email protected].

When you visit tampamortgageman.com (the "Website"), and more generally, use any of our services (the "Services"), we appreciate that you are trusting us with your personal information. We take your privacy very seriously.

This Website is operated by Raymond J Rivera JR, doing business as Tampa Mortgage Man, a licensed Mortgage Loan Originator in the State of Florida, NMLS #2639249. Loans are originated through our sponsoring lender, NMLS #2532931, 811 W 7th St, Los Angeles, CA 90017. Licenses may be verified at NMLS Consumer Access.

2. What Information Do We Collect?

We collect personal information that you voluntarily provide when you contact us or use our services. This may include:

• Names, phone numbers, email addresses, and mailing addresses
• Job titles and contact preferences
• Payment data necessary to process transactions
• Details you choose to share about your homebuying, refinancing, or property goals

Loan application information

If you move forward with a mortgage application, you will be asked for sensitive financial information — including Social Security number, income, employment history, assets, debts, and property details. This information is not collected through this Website. It is collected through our sponsoring lender's secure application system, and its handling is governed by that lender's privacy notice and by federal law.

Information collected automatically

When you visit the Website, certain information is collected automatically through cookies and similar technologies, including your IP address, browser and device type, pages viewed, time spent on the site, and the site or search that referred you.

3. Third-Party Services We Use

This Website relies on the following third-party services, each of which may receive information about you and each of which operates under its own privacy policy:

• Google Analytics — website traffic and usage measurement. You may opt out using the Google Analytics Opt-out Browser Add-on.
• LeadConnector / HighLevel — powers the chat widget and our customer relationship management system, and stores the contact details and messages you send us.
• Google Maps — the embedded service-area map, which may set cookies and receive your IP address.
• Calendly — consultation scheduling; collects the name, email, and appointment details you enter when booking.

4. How Do We Use Your Information?

We use collected information to facilitate account creation and logon, send administrative information, fulfill and manage your requests, respond to inquiries, send marketing communications, and for other legitimate business purposes. Specifically, we use it to:

• Respond to your questions and provide the mortgage services you request
• Evaluate your eligibility and present loan options suited to your situation
• Contact you about your inquiry, application, or loan
• Improve the Website and understand how visitors use it
• Comply with federal and state lending laws, recordkeeping rules, and lawful requests

5. Will Your Information Be Shared With Anyone?

We may share data based on: Consent, Legitimate Interests, Performance of a Contract, or Legal Obligations. We do not sell your personal information. In connection with a mortgage transaction, information may be shared:

• With our sponsoring lender (NMLS #2532931) to process, underwrite, and close your loan
• With settlement service providers involved in your transaction — including title companies, appraisers, insurers, and credit reporting agencies
• With service providers that operate our website, CRM, scheduling, and communications tools
• When required by law — in response to subpoenas, regulatory examinations, audits, or lawful government requests

6. SMS Consent and Data Collection

We collect your phone number only when you voluntarily provide it. This information is used strictly to send you the service alerts or marketing messages you have opted into. We do not share your SMS opt-in data or consent with any third parties or affiliates for marketing or promotional purposes.

By providing your phone number, you give your express written consent for Tampa Mortgage Man to contact you at that number — including by automatic telephone dialing system, artificial or prerecorded voice, and SMS text message — regarding mortgage products and services. Consent is not a condition of obtaining any loan, product, or service.

Message and data rates may apply. Message frequency varies. Reply STOP to any text to opt out, or HELP for assistance. You may revoke consent at any time by replying STOP, calling us, or emailing the address below. Revoking consent for marketing does not stop communications necessary to service a loan already in progress. You may also register your number with the National Do Not Call Registry.

7. Financial Privacy and the GLBA

As a mortgage professional, we are subject to the federal Gramm-Leach-Bliley Act, which governs the handling of nonpublic personal financial information. If you apply for a mortgage, you will receive a separate GLBA Privacy Notice from the lender describing what information is collected, how it is shared, and any right you have to limit that sharing. That notice governs your loan file; this policy covers your use of this Website.

8. Cookies and Similar Technologies

We use cookies to help customize the Website and improve your experience. Types of cookies we use include Essential Cookies, Analytics and Performance Cookies, Functionality Cookies, and Targeting and Advertising Cookies. You may disable cookies in your browser settings, though this may affect Website functionality. Because no common industry standard for honoring browser "Do Not Track" signals exists, this Website does not currently respond to them.

9. How Long Do We Keep Your Information?

We retain your personal information only as long as necessary for the purposes set out in this policy, unless a longer retention period is required by law. Mortgage records are generally subject to multi-year retention requirements under federal and state law, which may require us to retain your information even after you ask us to stop contacting you.

10. How Do We Keep Your Information Safe?

We protect your personal information through organizational and technical security measures, and this Website is served over encrypted HTTPS. No method of transmission or storage over the internet is completely secure, however, and we cannot guarantee absolute security.

11. Do We Collect Information from Minors?

We do not knowingly solicit data from or market to children under 18 years of age. If you believe a child has provided us information, contact us and we will delete it.

12. Your Rights

You may request that we correct information we hold about you, ask us to stop contacting you for marketing purposes, or ask what information we have collected. Contact us using the details below and we will respond within a reasonable time.

California residents: if you are a California resident, you are granted specific rights regarding access to your personal information under applicable state law. Depending on where you live, additional rights may apply; we honor those rights to the extent the law requires.

13. Third-Party Links

This Website links to outside websites, including our scheduling tool and NMLS Consumer Access. We are not responsible for the privacy practices or content of any site we do not operate.

14. Policy Updates

We may update this privacy policy from time to time. Updates will be indicated by a revised effective date. Continued use of the Website after a change means you accept the updated policy.