Privacy Policy
Effective Date: March 20, 2026 · Last Updated: March 20, 2026
This Privacy Policy applies to Matt Panigutti, Division Director at American Pacific Mortgage, operating under the My Home Path mortgage readiness program. Principal place of business: 24950 Country Club Blvd., Ste. 12D, N Olmsted, OH 44070.
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
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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
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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
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By submitting a form, providing your mobile number, and selecting the unchecked informational SMS consent checkbox, you expressly consent to receive text messages (SMS) from American Pacific Mortgage Corporation dba Matt Panigutti | My Home Path at the number you provided.
Types of messages you may receive:
• Informational messages related to your quiz submission, mortgage readiness inquiry, quiz results, appointment booking, scheduling updates, and service-related follow-up
• Reply STOP to opt out or HELP for help
Message frequency: Message frequency varies 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.
Message frequency: Message frequency varies 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.
Important: Consent to receive text messages is not a condition of purchasing any product or service, or of receiving a mortgage loan. You may opt out at any time without affecting your eligibility for mortgage services.
4. How We Share Your Information
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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.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties except vendors and service providers that support message delivery.
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
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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
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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
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Depending on your state of residence, you may have the right to access, correct, or delete your personal information 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
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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
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You must be at least 18 years old to use this website, submit a form, or opt in to receive SMS messages from Matt Panigutti | My Home Path | American Pacific Mortgage. If you are under 18, do not use this website or provide personal information through this platform.
10. Third-Party Links
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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
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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
© 2026 Matt Panigutti | American Pacific Mortgage · My Home Path · N Olmsted, OH · Privacy Policy · Terms & Conditions
Equal Housing Lender · American Pacific Mortgage