Privacy Policy

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Jennifer Chicano, operating under the Your Loan Chic brand (“Your Loan Chic,” “I,” “me,” or “my”), respects your privacy and is committed to protecting the personal information you provide when visiting this website, submitting an inquiry, communicating with me, or requesting mortgage-related information or services.

This Privacy Policy describes the types of information that may be collected, how that information may be used and disclosed, and the choices available to you.

I may collect information that you voluntarily provide, including:

• Name 
• Email address 
• Telephone number 
• Mailing or property address 
• Property location and occupancy information 
• Home purchase, refinance, or home equity goals 
• Estimated purchase price, property value, loan amount, or down payment 
• Timing and transaction preferences 
• Information submitted through forms, appointment scheduling tools, email, telephone, SMS, or other communications 
• Other information you voluntarily provide in connection with a mortgage inquiry or request for services 

If you proceed with a mortgage application or transaction, additional financial and nonpublic personal information may be collected as necessary to evaluate, process, arrange, or facilitate mortgage financing.

When you visit this website, certain technical information may be collected automatically through cookies, analytics technologies, and similar tools. This may include:

• IP address 
• Browser and device information 
• Pages viewed 
• Referring website or source 
• Date and time of visits 
• Interaction with website features 
• General website usage and performance information 

This information may be used to operate and improve the website, understand visitor behavior, measure marketing effectiveness, and improve services.

Information may be used to:

• Respond to inquiries and requests 
• Provide mortgage information and consultations 
• Evaluate potential mortgage financing options 
• Assist with purchase, refinance, home equity, or other mortgage-related requests 
• Communicate regarding an inquiry, appointment, application, or transaction 
• Maintain customer and prospect records 
• Operate and improve this website and related services 
• Analyze website and marketing performance 
• Comply with legal, regulatory, licensing, recordkeeping, and compliance obligations 
• Send marketing or promotional communications when permitted by law and consistent with your communication preferences 

Jennifer Chicano is a licensed Mortgage Loan Originator sponsored by Zero Point Mortgage Services (“ZPM”).

Your Loan Chic is Jennifer Chicano's consumer-facing brand and website. When you request mortgage services or proceed with a mortgage transaction, information may be provided to or processed through ZPM and other parties involved in evaluating, arranging, processing, underwriting, closing, or servicing the requested mortgage transaction.

Nothing in this Privacy Policy is intended to replace any privacy notice that ZPM or another financial institution may be required to provide to you in connection with a mortgage application or transaction.

I do not sell your personal information.

Information may be disclosed when reasonably necessary to provide services you request or operate the business, including to:

• Zero Point Mortgage Services 
• Mortgage lenders and financial institutions 
• Loan processors and mortgage-service providers 
• Credit reporting or verification providers when authorized and applicable 
• Appraisal, title, escrow, settlement, insurance, and other transaction-related providers 
• CRM, website hosting, email, SMS, scheduling, analytics, technology, and other service providers 
• Professional advisers or compliance providers 
• Government agencies, regulators, courts, law enforcement, or other parties when disclosure is required or permitted by law 

Information may also be disclosed with your authorization or at your direction.

Financial privacy rules permit certain disclosures necessary to process or administer transactions requested or authorized by consumers, subject to applicable requirements. 

If you provide your mobile telephone number, it may be used to communicate with you regarding your inquiry, appointment, mortgage request, application, transaction, or other services you request.

Marketing or promotional text messages will be sent only when permitted by applicable law and consistent with the consent you provide.

Mobile information and SMS consent information will not be sold or shared with third parties for their own marketing or promotional purposes.

Message frequency may vary. Message and data rates may apply. You may reply STOP to discontinue text messages or HELP for assistance.

Consent to receive marketing text messages is not a condition of obtaining mortgage services.

If you elect to receive marketing or promotional emails, you may unsubscribe using the unsubscribe link included in applicable emails or by contacting me directly.

Transactional, servicing, compliance, or other non-marketing communications may still be sent when appropriate.

This website may use cookies and similar technologies to operate website functionality, understand visitor activity, measure marketing effectiveness, and improve the user experience.

Third-party analytics services, including Google Analytics or similar technologies, may collect information about website interactions.

Browser settings can generally be used to restrict or disable cookies, although doing so may affect certain website functionality.

Reasonable administrative, technical, and physical safeguards are used to protect personal information.

However, no internet transmission, electronic communication, or data-storage system can be guaranteed to be completely secure.

Financial institutions are subject to requirements concerning the safeguarding of customer information, including applicable federal requirements. 

Personal information may be retained for as long as reasonably necessary to respond to inquiries, provide requested services, maintain business and transaction records, comply with mortgage-industry recordkeeping requirements, resolve disputes, enforce agreements, and satisfy legal or regulatory obligations.

You may contact me to request access to, correction of, or deletion of personal information that I control.

Certain information may need to be retained when required by mortgage, financial-services, licensing, regulatory, recordkeeping, fraud-prevention, or other legal obligations.

Where applicable law provides additional privacy rights, requests will be handled in accordance with those requirements.

Information maintained by ZPM, lenders, credit reporting agencies, service providers, or other independent third parties may be subject to their own privacy policies and retention requirements.

This website may contain links to third-party websites or services. Their privacy practices are governed by their own policies, and Your Loan Chic is not responsible for the privacy practices of third-party websites.

This website and the mortgage services described on it are not directed to children under 18, and I do not knowingly solicit personal information from children through this website.

This Privacy Policy may be updated periodically to reflect changes in business practices, technology, services, or legal requirements.

The current version will be posted on this page with an updated effective date.

Questions or requests concerning this Privacy Policy may be directed to:

Jennifer Chicano | Your Loan Chic
Email: jenn@yourloanchic.com
Phone: 720-594-2626
Mail: 5200 DTC Parkway, Suite 300, Greenwood Village, CO 80111

Website: yourloanchic.com

Jennifer Chicano | NMLS #1194079
Zero Point Mortgage Services | NMLS #1216108