Privacy Policy

We are committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, who we share it with, and your rights. By submitting any form on our website or quiz funnel, you agree to the practices described here.

1. Information We Collect

Identifiers

Full name, email address, phone number, and mailing address.

Financial & Mortgage Readiness Information

Self-reported information about credit history, employment status, income range, savings, and homeownership goals. We do not collect Social Security numbers, full account numbers, or pull credit reports through this platform.

Communications Data

Records of SMS messages, emails, and call logs between you and our team.

Technical & Usage Data

IP address, browser type, device type, pages visited, and time on page, collected automatically via cookies and similar technologies.

2. How We Use Your Information

To deliver our services: Evaluate your mortgage readiness quiz results and provide relevant resources and educational materials.

To communicate with you: Send SMS messages, emails, and follow-up communications about your mortgage readiness, scheduling, and related content. Message frequency varies.

To schedule appointments: Facilitate booking of mortgage readiness review calls through our scheduling system.

To improve our services: Analyze usage patterns to improve our quiz funnel, resources, and user experience.

To comply with legal obligations: Meet applicable federal and state regulatory requirements related to mortgage lending, fair lending, and consumer protection.

3. Text Message (SMS) Communications & A2P Consent

By submitting a form and providing your mobile number, you expressly consent to receive text messages (SMS) from Matt Panigutti | My Home Path | American Pacific Mortgage at the number you provided.

Types of messages you may receive:

Message frequency: Up to 4–6 messages per month depending on your engagement.

Message and data rates: Standard msg & data rates may apply, charged by your mobile carrier. We do not charge a fee for SMS communications.

To opt out: Reply STOP to any message. One final confirmation will be sent. Reply START to re-subscribe.

For help: Reply HELP or contact us at [email protected] or 440.341.1306.

4. How We Share Your Information

American Pacific Mortgage: Your information may be shared with APM for mortgage origination, compliance, and regulatory recordkeeping.

Service Providers: We use GoHighLevel / LeadConnector for CRM, scheduling, email, and SMS. These providers are contractually bound to protect your information.

Legal Requirements: We may disclose your information if required by law or legal process.

Business Transfers: In the event of a merger or acquisition, your information may be transferred. You will be notified of any such change.

5. Cookies & Tracking Technologies

Our website and funnel pages may use cookies, pixel tags, and similar technologies to remember your preferences, measure traffic, enable remarketing through Meta and Google, and analyze user interactions. You may disable cookies through your browser settings. By continuing to use our site, you consent to our use of cookies as described above.

6. Data Retention

We retain your personal information as long as necessary to fulfill the purposes in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Rights & Choices

Depending on your state of residence, you may have the right to access, correct, or delete your personal information; opt out of marketing communications; and be informed that we do not sell personal information.

To exercise these rights, contact us at [email protected]. We will respond within 30 days.

8. Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. No method of internet transmission is completely secure, but we take reasonable steps to protect what we collect.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from minors. If you believe we have done so, please contact us immediately.

10. Third-Party Links

Our pages may link to third-party resources including Gamma.app documents, Freddie Mac, and Fannie Mae tools. We are not responsible for the privacy practices of those sites.

11. Changes to This Policy

We may update this Policy from time to time. Your continued use of our services after changes are posted constitutes acceptance of the updated Policy.

12. Contact Us

Matt Panigutti, Division Director
American Pacific Mortgage | My Home Path
24950 Country Club Blvd., Ste. 12D, N Olmsted, OH 44070
Phone: 440.341.1306
Email: [email protected]
Website: apmortgage.com