Privacy Policy

Effective date: January 1, 2025

1. Introduction

MidNorth Key ("we", "us", "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit midnorthkey.com or use our mortgage matching services.

2. Information We Collect

When you submit our form, we collect:

• Contact information: name, email address, phone number, ZIP code, and state
• Loan profile information: loan purpose, property type, estimated home value, credit score range
• Technical data: IP address, browser type, device information, referring URL, pages visited
• Tracking identifiers: cookies, visitor ID, session ID, and UTM parameters

3. How We Use Your Information

We use your information to:

• Match you with licensed mortgage lenders and financial service providers
• Contact you regarding your inquiry by phone, email, or text message
• Improve our website, services, and marketing
• Comply with legal obligations

4. TCPA Consent

By submitting our form, you provide express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by MidNorth Key and our network of partners and affiliates by phone (including via automatic telephone dialing systems and prerecorded messages), email, or text message regarding mortgage and home loan products. Consent is not a condition of any purchase. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us at info@midnorthkey.com.

5. Information Sharing

We share your information with:

• Mortgage lenders, brokers, and licensed financial service providers in our partner network
• Service providers who support our operations (hosting, analytics, customer support)
• Legal and regulatory authorities when required by law

We do not sell your information for monetary consideration. We do share information with marketing partners who may use it to contact you about financial products. Under California law, this sharing may be considered a "sale" or "share" of personal information.

6. Your California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, and share
• Request deletion of your personal information
• Correct inaccurate personal information
• Opt out of the sale or sharing of your personal information
• Limit the use of sensitive personal information
• Non-discrimination for exercising your privacy rights

To exercise any of these rights, contact us at info@midnorthkey.com with the subject line "California Privacy Request" and include your full name, email address, and the specific request you are making.

7. Cookies & Tracking

We use cookies, pixels, and similar technologies for analytics, attribution, and functionality. You can control cookies through your browser settings. Disabling cookies may impact site functionality.

8. Data Security

We use industry-standard security measures including 256-bit SSL encryption to protect your information in transit. No method of transmission or storage is 100% secure, but we work to safeguard your data.

9. Data Retention

We retain your information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. Lead data is typically retained for up to 7 years.

10. Children's Privacy

Our services are not directed to children under 18. We do not knowingly collect personal information from minors.

11. Changes to This Policy

We may update this policy from time to time. The effective date at the top reflects the latest revision. Continued use of our services after changes constitutes acceptance.

12. Contact Us

For questions about this Privacy Policy or to exercise your privacy rights, contact:

MidNorth Key
Email: info@midnorthkey.com