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Privacy Policy

Last Updated: November 26, 2025
www.mortgageadvisormark.com

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Thank you for visiting MortgageAdvisorMark.com (“the Site”). This Privacy Policy explains what information we collect, how we use it, how it may be shared, and the rights you may have regarding your information.

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This website is operated by Mark Velicer, Mortgage Loan Officer (NMLS #2679443), licensed to originate mortgages in Illinois, Minnesota, and Wisconsin, and affiliated with Loan Factory, Inc. Mark follows all privacy, data security, and compliance standards required by federal mortgage regulations and the parent company.

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By accessing or using this website, you agree to this Privacy Policy. If you do not agree, please discontinue use of the Site.

If you have questions about this Privacy Policy, you may contact:

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Mark Velicer
Loan Officer | NMLS #2679443
Direct: (847) 859-9990
Email: mark.velicer@loanfactory.com

1. Core Privacy Principles

We follow the same privacy commitments as Loan Factory, including:

1. No Sale of Personal Information

We do not sell any personal information.

2. Minimum Necessary Collection

We only collect information needed to respond to your inquiries or assist with the mortgage process.

3. Controlled Sharing

We share information only with your authorization, with necessary service providers, or as required by law.

4. Accountability

Your trust is important. We use industry-standard safeguards to protect your information.

2. Categories of Information We Collect & Why

We may collect several categories of personal information to operate this Site and assist with mortgage-related services. This includes identifiers such as your name, address, phone number, email address, and IP address so we can communicate with you, verify your identity, and respond to inquiries. We may collect customer records and financial information when you submit a mortgage application or provide documents necessary for qualification and regulatory compliance. We also collect commercial information, such as your inquiry history or interactions with the Site, to maintain records and improve service quality. Internet and network activity—including device details, browsing behavior, and referring URLs—may be collected for analytics, security monitoring, and improving website performance. Limited geolocation data (generally IP-based) may be used for fraud prevention or to personalize your experience. If provided, employment or professional information may be used during the mortgage application process. Sensitive personal information such as Social Security numbers, banking details, or credit data is collected only when required for mortgage qualification and federal lending compliance. Retention of this information aligns with legal requirements and is generally maintained while your file remains active and for a period of up to seven years thereafter.

3. Information We Collect

3.1 Information You Provide Directly

This may include:

  • Contact form details (name, email, phone)

  • Loan inquiry details

  • Uploaded documents required for mortgage processing

  • Communications sent via phone, SMS, or email

3.2 Loan Application Information

If you proceed with an application, you may be redirected to Loan Factory systems. Information submitted there is governed by Loan Factory’s privacy policy.

3.3 Usage Information

We automatically collect:

  • IP address

  • Browser details

  • Pages viewed

  • Referring website

  • Time spent on the Site

3.4 Cookies & Tracking

We use cookies to:

  • Maintain site functionality

  • Improve user experience

  • Analyze site performance
    See our Cookie Policy for more information (if applicable).

4. How We Use Your Information

Information is used only for legitimate business and mortgage-related purposes, including:

  • Responding to inquiries

  • Pre-qualification or loan application processing

  • Document verification

  • Compliance with federal, state, and mortgage-lending requirements

  • Fraud prevention and security

  • Website improvement & analytics

  • Required recordkeeping

5. How We Share Information

Your information may be shared only in the following cases:

5.1 With Your Authorization

For example, when you proceed with a loan application and authorize sharing with lenders, processors, or credit agencies.

5.2 Service Providers

Trusted vendors may assist with:

  • Secure document storage

  • Application processing technology

  • Customer support

  • Analytics or web hosting

They may access information only as needed and must maintain confidentiality.

5.3 Legal Compliance

We may disclose information if required to:

  • Comply with federal or state mortgage regulations

  • Respond to law enforcement

  • Protect against fraud or security threats

5.4 Business Transfers

If Mark affiliates with another mortgage company or if Loan Factory undergoes a corporate change, information may transfer as allowed by law.

6. Sensitive Personal Information

We only collect sensitive information such as:

  • SSN

  • Credit information

  • Financial account information

This is only collected when necessary for mortgage qualification and is not shared or used for any unrelated purpose.

7. Your Privacy Rights

Depending on your location, you may have rights including:

  • Right to know what personal data is collected

  • Right to correct inaccurate information

  • Right to request deletion (with legal exceptions)

  • Right to opt out of marketing communications

  • Right to limit use of sensitive information

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To exercise your rights, contact:

Email: mark.velicer@loanfactory.com
Phone: (847) 859-9990

Certain requests may require verification of identity.

8. Data Protection & Security

We use industry-standard measures including:

  • Encrypted transmission (HTTPS)

  • Network firewalls

  • Multi-layer authentication systems

  • Vendor oversight and compliance standards

  • Secure document storage

While no system is completely secure, we follow all applicable mortgage lending security requirements.

9. Retention

Information is kept only as long as needed for:

  • Mortgage processing

  • Compliance with federal lending laws

  • Preventing fraud

  • Required recordkeeping

See the retention table above for details.

10. Location of Data Processing

Information may be stored or processed in the United States, including by Loan Factory-affiliated systems or trusted vendors.

11. Updating Your Information

To update or request deletion of your personal information, contact:

Email: mark.velicer@loanfactory.com
Phone: (847) 859-9990

Some information may be retained as required by mortgage lending regulations.

12. Communications

By submitting your contact information, you may receive:

  • Loan-related communications

  • Request-for-document emails

  • Status updates

  • Marketing or educational emails (you may opt out)

You may unsubscribe from marketing emails at any time.

13. SMS/Text Message Disclosure

By providing your phone number, you consent to receive mortgage-related SMS messages from Mark or affiliated systems.

  • Reply STOP to opt out

  • Reply HELP for support

  • Message/data rates may apply

Text opt-in data is never shared with third parties for marketing.

14. Children’s Privacy

This Site is not intended for individuals under 18.
We do not knowingly collect information from minors.

15. Changes to This Policy

We may update this Privacy Policy periodically. The “Last Updated” date will reflect the most recent revision.

16. Contact Information

For privacy questions or requests, contact:

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Mark Velicer
Loan Officer | NMLS #2679443
Direct: (847) 859-9990
Email: mark.velicer@loanfactory.com
Website: www.MortgageAdvisorMark.com

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