Privacy Policy

KellyThaoMortgages.com (“Website”) is operated by Kelly Thao, Mortgage Loan Officer, in association with Affordable Mortgage Shop LLC (“Company,” “we,” “our,” or “us”). This Privacy Policy describes the manner in which information is collected, used, maintained, disclosed, and protected when individuals access or use this Website.

By accessing or using this Website, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy.

Information We Collect

We may collect personally identifiable information that you voluntarily provide through this Website, including but not limited to:

Full name
Telephone number
Email address
Mailing address
Property information
Mortgage-related information
Financial information voluntarily submitted through inquiry forms
Any additional information provided in connection with a request for information, consultation, or mortgage services

The provision of personal information is voluntary. However, failure to provide certain information may limit our ability to respond to inquiries or provide requested services.

Automatically Collected Information

When you access this Website, certain information may be collected automatically, including:

Internet Protocol (IP) address
Browser type and version
Device information
Operating system
Referring website addresses
Date and time of access
Pages viewed and user interactions

This information is collected for security, analytics, administrative, and operational purposes.

Use of Information

Information collected through this Website may be used for lawful business purposes, including but not limited to:

Responding to inquiries and requests
Providing mortgage-related information and services
Evaluating financing needs and available loan options
Facilitating communication regarding mortgage products and programs
Improving Website functionality and user experience
Conducting internal business operations and recordkeeping
Detecting, preventing, and investigating fraud, unauthorized activity, or security incidents
Complying with applicable laws, regulations, legal processes, and regulatory requirements

Disclosure of Information

We do not sell, lease, or rent personal information to third parties for independent marketing purposes.

Information may be disclosed to:

Affordable Mortgage Shop LLC
Mortgage lenders, investors, underwriters, and financial institutions
Service providers and vendors acting on our behalf
Governmental agencies, regulators, courts, or law enforcement authorities when required by applicable law
Professional advisors, including legal, accounting, compliance, and regulatory consultants

Such disclosures shall be limited to those reasonably necessary to fulfill legitimate business, legal, regulatory, or operational purposes.

Cookies and Tracking Technologies

This Website may utilize cookies, web beacons, analytics technologies, and similar tracking tools to improve functionality, analyze Website traffic, and enhance user experience.

Users may modify browser settings to refuse cookies or provide notice when cookies are being transmitted. Disabling cookies may affect certain Website features and functionality.

Data Security

We maintain commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, loss, or destruction.

Notwithstanding the foregoing, no method of transmission over the Internet or method of electronic storage can be guaranteed to be completely secure. Accordingly, we make no representation, warranty, or guarantee regarding the absolute security of information transmitted through this Website.

Third-Party Websites

This Website may contain links to third-party websites or services. Such websites operate independently and are not under our control.

We assume no responsibility for the privacy practices, content, security, or policies of any third-party website. Users access third-party websites at their own risk and should review the applicable privacy policies of such websites.

Children’s Privacy

This Website is not directed toward children under the age of thirteen (13), and we do not knowingly collect personal information from children.

If we become aware that personal information has been collected from a child under the age of thirteen (13), such information will be deleted in accordance with applicable law.

Retention of Information

Personal information may be retained for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, satisfy legal or regulatory obligations, resolve disputes, enforce agreements, and protect our legitimate business interests.

Changes to This Privacy Policy

We reserve the right to amend, modify, update, or replace this Privacy Policy at any time and in our sole discretion.

Any modifications shall become effective immediately upon posting to this Website. Continued use of the Website following the posting of any revised Privacy Policy constitutes acceptance of such revisions.

Disclaimer

Submission of information through this Website does not establish a lender-borrower relationship, fiduciary relationship, contractual relationship, or commitment to extend credit. Mortgage products, approvals, rates, terms, and conditions are subject to lender qualification requirements, underwriting standards, and applicable laws and regulations.

Contact Information

Questions regarding this Privacy Policy or the practices of this Website may be directed to:

Kelly Thao
Mortgage Loan Officer
Affordable Mortgage Shop LLC

https://kellythaomortgages.com

(608) 228-8453 | Kelly@affordablemortgageshop.com

Affordable Mortgage Shop LLC
1983 Sloan Pl, Ste 15
Maplewood, MN 55117
(651) 369-9309 | info@affordablemortgageshop.com