Privacy Policy

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Collection of Information
We respect your privacy and are committed to safeguarding your personal information. We collect non-personally identifiable information through tracking methods such as your IP address or most-recently-visited URL. Personally identifiable information, such as your name, phone number, email address, and mailing address, is only collected if you voluntarily provide it by filling out a form, survey, or contacting us directly.

Affiliation Disclosure
Although I am affiliated with Zero Point Mortgage Services (ZPM) as they sponsor my Mortgage Loan Originator (MLO) license, this website is independently owned and operated. The information collected here is managed separately from ZPM’s systems and policies.

State-Specific Requirements
As a licensed mortgage broker in Arizona, California, Colorado, and Pennsylvania, I comply with state-specific privacy requirements:

California (California Consumer Privacy Act - CCPA):
If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, and sell (we do not sell your data).
• Request access to or deletion of your personal information.
• Opt-out of the sale of your personal information (not applicable as we do not sell personal data).

To exercise your rights under the CCPA, please contact us using the details provided below.

Colorado (Colorado Privacy Act - CPA):
As a Colorado resident, you have the right to:

• Access your personal data collected by us.
• Correct inaccuracies in your personal data.
• Request deletion of your personal data.
• Opt-out of processing your data for targeted advertising or sales (we do not sell your data).

Please contact us if you wish to exercise your rights under the CPA.

Arizona and Pennsylvania:
We comply with general privacy regulations applicable to these states, ensuring that your personal data is protected and not disclosed without your consent, except as required by law or necessary to fulfill your requests.

Disclosure of Information
We do not sell or rent your personally identifiable information to third parties. Your information is used exclusively for the purposes described below unless legally required to disclose it or when necessary to protect our rights.

Use of Information
Your information may be used for:

• Responding to inquiries or requests you submit.
• Delivering services you’ve requested, such as mortgage pre-approvals or consultations.
• Internal marketing purposes, trend analysis, and site administration.
• Sending newsletters or promotional communications, provided you opt-in to receive them.

You can opt out of receiving promotional communications at any time by clicking the “unsubscribe” link in the footer of our emails or contacting us directly.

Review and Removal of Personally Identifiable Information
If you wish to review, change, or delete the personally identifiable information you provided, please contact us via email or postal mail. We will make reasonable efforts to update or remove your information from our records within 30 days of receiving your request.

Please note that if your data is stored in third-party databases (e.g., ZPM or partners), we may not have control over their processes for removing information.

Cookies and Tracking
We use cookies to improve your experience on our website. Cookies are small files stored on your computer that help us understand how users navigate our site and personalize content based on your interests. You can disable cookies in your browser settings, but some website features may not function properly without them.

We also use third-party services, such as Google Analytics, to track aggregated website metrics, including page visits, time on page, and bounce rates. This helps us enhance the usability of our website.

Third-Party Tracking
We may partner with third-party services for analytics and advertising purposes. These services may use cookies or similar technologies to collect non-personally identifiable information about your interaction with our site.

Legal Disclosure
We reserve the right to disclose personally identifiable information as required by law, such as in response to a court order, legal process, or to protect our legal rights.

Security
We implement industry-standard measures to protect your information. This includes secure servers, firewalls, and access restrictions. However, no system can guarantee 100% security. Please exercise caution when submitting sensitive information online.

Amendments to this Policy
We may update this privacy policy from time to time. Changes will be posted on this page with the updated effective date. Material changes may also be communicated via email or a notice on the website’s homepage.

Acceptance of Privacy Policy
By using this website, you consent to the terms outlined in this Privacy Policy. If you do not agree, please discontinue using the website.

Contact Us
If you have questions about this Privacy Policy, would like to exercise your privacy rights, or need assistance, please contact us:

• Email: jc@zpmloans.com
• Phone: 720-594-2626
• Mailing Address: 5200 DTC Parkway, Suite 300, Greenwood Village, CO 80111
• Websites: jenniferchicano.com and yourloanchic.com

We take your privacy seriously and are committed to handling your data and grievances appropriately. Please review our Privacy Policy and Grievance Policy to understand how we collect, use, and protect your information.

As part of our affiliation with Zero Point Mortgage Services, we also operate under the ZPM Privacy Policy and ZPM Grievance Policy. For any issues or concerns not resolved directly with us, you may also reach out to ZPM at info@zpmloans.com reference their policy.