Privacy Policy

1. Introduction and Website Operator

MortgageMarc.ai ("the website," "we," "us") is an educational mortgage website operated by Marc Chamberlain, SVP, Mortgage Lending, OriginPoint Mortgage (NMLS #1208992; OriginPoint Mortgage NMLS #2185899). This Privacy Policy explains what information the website collects, how it is used, and the choices available to you.

2. Information We Collect

Information you provide. If you use the Contact Marc form, you may provide your name, email address, phone number (optional), referring real estate agent (optional), and a message.

Information we do not request. This website does not ask for Social Security numbers, bank statements, account numbers, or other sensitive financial documents. Please do not include them in messages.

Information collected automatically. Like most websites, our hosting provider may receive technical information when you visit, such as IP address, browser type, device information, pages requested, and the date and time of the request.

3. Mortgage Calculator Information

Numbers you enter into the calculators (such as price, down payment, rate, taxes, or seller fees) are processed in your web browser to display results. In the current version of the website, calculator inputs are not saved to a database, placed in the page address, or sent to us. They are cleared when you leave or reload the page. Printed or saved reports are created on your own device.

4. How We Use Personal Information

• To respond to your questions and requests for information
• To follow up on your mortgage inquiry, if you ask us to
• To operate, maintain, and secure the website
• To comply with legal and regulatory obligations

Submitting an inquiry does not enroll you in promotional emails or text messages. If we ever offer marketing communications, we will ask for your separate consent.

5. How Information May Be Shared

We do not sell personal information submitted through this website. Information may be shared:

• With OriginPoint Mortgage, as Marc's employer, to respond to and service your inquiry
• With service providers that host or operate the website on our behalf
• With a real estate agent you identify, only if you ask us to coordinate with them
• When required by law, regulation, or legal process

6. Third-Party Services and External Links

Hosting. This website is built and hosted using Lovable, which provides the hosting infrastructure. Our hosting provider processes technical request data needed to deliver the website.

External links. The website links to OriginPoint's secure mortgage application and other external sites. Those sites are governed by their own privacy policies, and we are not responsible for their practices.

"Schedule A Call" buttons open Marc's Calendly booking page (calendly.com) in a new tab; information you enter there is collected by Calendly under its own privacy policy. The homepage shows Google reviews through an Elfsight widget, which loads content from Elfsight and Google servers and may set its own cookies under their privacy policies. The current website does not use a CRM integration. If one is added, this policy will be updated to describe them before they go live.

7. Cookies and Website Analytics

The website does not currently use advertising cookies or third-party analytics tools that we have added. Our hosting provider may use technologies necessary to deliver and secure the site.

8. Data Security

We use reasonable measures intended to protect information submitted through the website, and the site is delivered over encrypted connections (HTTPS). No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Data Retention

We keep information only as long as needed for the purposes described in this policy and as required by law or OriginPoint Mortgage's record-keeping requirements.

10. California and Other Applicable Consumer Privacy Rights

Depending on where you live and which laws apply, you may have rights to request access to, correction of, or deletion of your personal information, or to opt out of certain uses. Some information related to mortgage applications may instead be governed by federal financial privacy laws.

11. How to Submit Privacy Requests

To ask a question about your information or make a request, contact Marc Chamberlain using the details in Section 14. We may need to verify your identity before acting on a request.

12. Children's Privacy

This website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children.

13. Changes to This Privacy Policy

We may update this policy from time to time. The updated version will be posted on this page with a new effective date.

14. Contact Information

Contact Marc