Privacy Policy
Effective Date: January 1, 2025 | Last Updated: May 15, 2026
Important Notice Regarding Text Messaging Data
Ye Gong (NMLS #360097) ("we," "us," or "our") DOES NOT share customer opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.
2. How We Use Your Information
We use collected data for:
- Providing and improving our mortgage services
- Processing loan inquiries and applications
- Communicating with you about your inquiries, appointments, loan programs, and promotions
- Enhancing website functionality and user experience
- Ensuring security and fraud prevention
- Maintaining records of your communication preferences and consent
- Complying with applicable laws and regulations, including RESPA and NMLS requirements
3. SMS Messaging & Compliance
Text Message Program Terms & Conditions: By opting into our SMS messaging services, you agree to receive text messages related to our mortgage services, including appointment reminders, loan updates, customer support, and important program announcements.
Opt-In & Consent
- You will only receive messages if you have explicitly opted in
- We maintain timestamped records of all opt-in actions
- We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
- Consent is not a condition of receiving any loan or service
Opt-Out Instructions
- You can cancel SMS notifications at any time by replying STOP
- You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
- All opt-out requests are processed immediately
- To re-subscribe, reply START
Message Frequency & Content
- Message frequency varies based on your interactions with our business
- Messages will be directly related to the mortgage services you have requested
- Marketing messages (rate alerts, program updates, promotional offers) are sent only with specific consent
Help & Support
- Reply HELP for assistance or contact us at ye@mortgageuncensored.com
- Customer support is available Monday–Friday during regular business hours
Carrier Information
- Standard message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
- Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers
SMS Data Protection Statement: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
4. Information Sharing & Disclosure
We do not sell, rent, or trade personal information. We may share information with:
Service Providers
- Third-party vendors who assist in our operations (e.g., CRM platforms, appointment scheduling, loan processing)
- SMS aggregators and providers solely for the purpose of delivering messages you've consented to receive
- Wholesale lenders and mortgage partners — only for the purpose of processing your loan application and with your consent
- All service providers are contractually obligated to maintain confidentiality and security
Legal Compliance
- If required by law, legal process, or to protect our rights
- In response to valid law enforcement requests or court orders
Business Transfers
- In case of mergers, acquisitions, or sale of assets
- In such cases, your data remains protected under the terms of this policy
All the above categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties, excluding aggregators and providers of the text message services.
5. Data Security
We implement and maintain reasonable security measures to protect your personal information:
- Encryption of sensitive data in transit and at rest
- Secure access controls and authentication mechanisms
- Regular security assessments and updates
- Employee training on data protection
- Breach notification protocols in accordance with applicable laws
- Secure backup systems and disaster recovery procedures
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Analyze site traffic and user behavior (Google Analytics)
- Remember your preferences and form progress
- Improve website functionality and user experience
- Measure the effectiveness of our advertising (Meta Pixel)
You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.
7. Your Rights & Choices
You have the right to:
- Access, update, or delete your personal information
- Opt out of marketing emails by clicking "unsubscribe" in any email
- Opt out of SMS messages by replying STOP
- Request information on how we process your data
- Withdraw consent at any time for future communications
- Lodge a complaint with a supervisory authority if you believe your rights have been violated
- California residents: exercise rights under the CCPA including the right to know, delete, and opt out of sale (we do not sell personal information)
To exercise these rights, contact us using the information in Section 10.
8. Third-Party Links
Our website may contain links to third-party websites (such as CalHFA.ca.gov, HUD.gov, or partner lender sites). We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by Ye Gong (NMLS #360097).
9. Changes to This Privacy Policy
We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.
