Mortgage Protection Pros ("Mortgage Protection Pros," "we," "us," or "our") respects your privacy. This Privacy Policy explains how information may be collected, used, disclosed, and protected when you visit Mortgage Protection Pros (the "Site"), request a mortgage protection or life insurance quote, complete a questionnaire, submit a form, or otherwise interact with our services.
1. Information We Collect
We may collect information you provide directly to us, including:
- Name, email address, telephone number, state of residence, ZIP code, and other contact information.
- Information about your home and mortgage, such as whether you own your home, whether you have a mortgage, your approximate mortgage balance or amount owed, and who would be responsible for that mortgage if you passed away.
- Information needed to estimate coverage and eligibility, such as your date of birth, age, tobacco or nicotine use, the amount of coverage you are interested in, when you would like coverage to start, and your intended beneficiary (for example, a spouse, partner, or child).
- Your preferred time to be contacted and any other information you submit in forms, questionnaires, surveys, chats, customer-service requests, or other communications.
Some of this information, such as date of birth and tobacco use, may be considered sensitive or health-related under the laws of certain states. We collect it only so our licensed advisors and partner carriers can estimate coverage options and pricing for you, and we use it only for the purposes described in this Policy.
We may also automatically collect technical and usage information such as IP address, browser type, device type, operating system, referring URLs, pages viewed, time on site, approximate location derived from IP address, and cookie or advertising identifiers.
2. How We Use Information
We may use information to:
- Respond to your quote request and have one of our licensed insurance advisors, or a partner agency or insurance carrier, review mortgage protection, term life, or similar coverage options with you.
- Contact you about your inquiry, requested quote, available coverage options, or related services.
- Operate, improve, personalize, secure, and analyze the Site and our marketing campaigns.
- Measure advertising performance, detect fraud or abuse, and maintain Site security.
- Comply with legal obligations and enforce our agreements and policies.
3. Sharing of Information
When you request a quote or more information, we may share your submitted information, including the mortgage, age, tobacco, and beneficiary details described above, with our licensed advisors and with partner agencies, insurance carriers, call centers, marketing partners, or service providers that may contact you about coverage that matches your request. Those third parties may use your information according to their own privacy policies and practices, and any application you complete with them is subject to their own underwriting and privacy rules.
We may also disclose information to vendors that help us operate the Site, host data, provide analytics, send communications, prevent fraud, or support advertising and lead routing. We may disclose information when required by law, to protect rights or safety, or as part of a business sale, merger, financing, or restructuring.
We do not sell health-related information, and we do not share it for targeted advertising.
4. Communications, Calls, Texts, and Email
If you provide a telephone number or email address and consent to be contacted, you may receive calls, text messages, or emails from a Mortgage Protection Pros licensed advisor and/or a partner agency or carrier regarding your quote request or related mortgage protection and life insurance products. Where required, consent language is displayed next to the form before submission. Consent to marketing is not a condition of purchase unless otherwise permitted by law.
Message and data rates may apply to text messages. You may opt out of marketing texts by replying STOP, and you may use unsubscribe links in marketing emails where provided. Transactional or service-related communications may still be sent when necessary.
5. Cookies, Analytics, and Advertising
The Site may use cookies, pixels, tags, local storage, analytics tools, and similar technologies to remember preferences, understand traffic, measure conversions, improve performance, and support advertising. Third-party platforms may receive information about your browser or device when their tools are used on the Site.
You may be able to limit cookies through browser settings or available consent controls. Blocking some technologies may affect Site functionality.
6. Data Retention and Security
We retain information for as long as reasonably necessary for the purposes described in this Policy, to meet legal or contractual requirements (including insurance record-keeping requirements that may apply to our partners), resolve disputes, prevent fraud, and enforce agreements. We use reasonable administrative, technical, and physical safeguards, but no method of transmission or storage is completely secure and we cannot guarantee absolute security.
7. Your Privacy Choices and Rights
Depending on where you live, applicable law may provide rights to request access, correction, deletion, portability, or information about certain disclosures of personal information, to limit the use of sensitive personal information, and to opt out of certain targeted advertising, sharing, or sales as those terms are defined by law. To make a request, contact us through the Site and provide enough information for us to reasonably verify the request.
We will process valid requests as required by applicable law. Authorized agents may be permitted where state law allows, subject to reasonable verification.
8. Children
The Site is intended for adults age 18 and older and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, contact us through the Site so we can review and address the request.
9. Third-Party Websites and Insurance Providers
The Site may link to or connect you with third-party websites, licensed agents, agencies, insurance carriers, or services. We are not responsible for the privacy practices, content, security, pricing, underwriting decisions, or services of independent third parties. Review their privacy policies before providing information directly to them.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The revised version will be posted on the Site with an updated effective date. Your continued use of the Site after an update is subject to the revised Policy.
11. Contact Us
Questions or privacy requests may be submitted through the contact information or contact form made available on Mortgage Protection Pros. See also our Terms & Conditions.