Privacy Policy

Effective Date: [Insert Date]

This Privacy Policy explains how personal information is collected, used, and protected when you visit this website or submit information through any forms, calendars, or communication tools on this site.

This website is operated by Maggie Dulcio, Mortgage Loan Officer, NMLS #2636632, licensed in the State of Florida.

1. Information We Collect

When you visit this website or submit a form, we may collect the following types of information:

  • Name
  • Phone number
  • Email address
  • Property and loan-related details you voluntarily provide
  • Communication preferences
  • IP address, browser type, and device data (via cookies or analytics tools)

We do not collect sensitive personal information such as Social Security numbers, dates of birth, or financial account numbers through this website.

2. How Information Is Collected

Information may be collected through:

  • Website inquiry forms
  • Loan interest or consultation forms
  • Scheduling or calendar tools
  • Email, phone, or text communications initiated by you
  • Cookies and analytics technologies used to improve website performance

3. How We Use Your Information

Your information may be used to:

  • Respond to your loan inquiry
  • Provide information about mortgage or loan options
  • Schedule consultations
  • Communicate by phone, email, or text message regarding your request
  • Improve our website, services, and communication experience

4. Communication Consent (Calls & Text Messages)

By submitting information through this website, you expressly consent to receive communications from Maggie Dulcio regarding your inquiry, which may include phone calls, emails, and text messages.

  • Message and data rates may apply
  • Message frequency varies
  • You may opt out of text messages at any time by replying STOP
  • You may request assistance by replying HELP

Consent is not a condition of loan approval.

5. Information Sharing

We do not sell your personal information.

We may share information with:

  • Mortgage lenders and financial institutions for loan-related purposes
  • Service providers and technology platforms used to operate this website (CRM, email, SMS, analytics)
  • Parties required by law or regulation

Information is shared only as necessary to assist with your request.

6. Data Security

We take reasonable administrative and technical measures to safeguard your information. However, no online transmission or storage system is completely secure, and we cannot guarantee absolute security.

7. Your Rights & Choices

You may:

  • Opt out of marketing communications
  • Request access to or deletion of your personal information
  • Update or correct your information

Requests may be made using the contact information below.

8. Updates to This Policy

This Privacy Policy may be updated periodically. Updates will be posted on this page with a revised effective date.

9. Contact Information

Maggie Dulcio
Mortgage Loan Officer
NMLS #2636632
State of Florida