Privacy Policy

1. Who we are

This website is operated by Simply Approved Mortgages (Simply Approved Mortgages NMLS #2620881), a licensed mortgage brokerage. References to "we," "us," and "our" mean Simply Approved Mortgages. If you have privacy questions, contact us through our contact form.

2. Information we collect

• Identifiers and contact data: name, email, phone, mailing/property address.
• Demographic and financial data: age, date of birth, co-borrower name/DOB/contact, marital or co-borrower status, estimated home value, mortgage balance, loan purpose, self-reported credit rating.
• Internet/device activity: IP address, browser, device type, pages visited, referring URL, timestamps, and interactions with our chat widget — collected via cookies, pixels, and server logs.
• Consent metadata: the exact consent text you agreed to, its version, the date/time you agreed, your IP address, user agent, and the URL of the page where you consented — retained to defend against TCPA and DNC claims.
• Third-party data: address suggestions from Google Places and automated home value estimates (AVM) from RentCast when you enter an address.
• Sensitive personal information: we do not collect Social Security number, government ID, or account credentials on this website. Those items, if requested, are collected only inside a secure loan application after you have chosen to move forward.

3. GLBA Privacy Notice (financial institutions)

As a licensed mortgage brokerage, we are a "financial institution" under the federal Gramm-Leach-Bliley Act (GLBA). This section is our GLBA privacy notice.

Nonpublic personal information (NPI) we collect: information you give us on applications and forms (name, address, income, property info, credit self-assessment); information about your transactions with us or others (loan status, balances); and information from consumer reporting agencies once you apply.

Categories of NPI we share and with whom:

• To complete your transaction — HUD-approved HECM wholesale lenders considering funding your loan, title, appraisal, insurance, and settlement service providers, and our loan-origination and CRM systems. This sharing is required to originate a reverse mortgage; you cannot opt out.
• Service providers under contract — hosting, email delivery, analytics, AVM (RentCast), address (Google Places), phone/SMS carriers. Bound by confidentiality.
• As required by law — regulators (HUD, CFPB, state DFPI/OFR), subpoena, court order, or fraud/AML investigation.
• Affiliates and joint marketing — we do not share NPI with non-affiliated third parties for their own marketing.
• Sale of NPI — we do not sell your NPI.

How we protect NPI: we maintain physical, electronic, and procedural safeguards that comply with federal standards, including encryption in transit (TLS), access controls, and employee confidentiality obligations.

Former customers: if you close, prequalify without funding, or otherwise end our relationship, we continue to apply these protections and retain records only as required by federal and state record-retention rules.

4. How we use your information

• Generate a reverse mortgage estimate and home value estimate for you.
• Contact you by phone, email, or SMS about your inquiry and reverse mortgage options.
• Send confirmation and follow-up emails, including required loan disclosures.
• Detect fraud, verify identity, and secure the site.
• Improve site performance, content, and marketing.
• Comply with legal, regulatory, licensing, and record-retention obligations.

5. How we share your information

We share the information you submit through the lead form with our licensed loan originators at Simply Approved Mortgages and, when appropriate, with HUD-approved HECM wholesale lenders who may fund your loan. We share limited data with service providers who help us operate the site (hosting, email delivery, analytics, AVM, CRM). We may disclose information to comply with law, respond to lawful requests, or protect our rights. We do not sell your personal information for money, and we do not share it for cross-context behavioral advertising.

6. Cookies, analytics & Do Not Track

We use first-party and third-party cookies, pixels, and similar technologies for essential site functions, security, analytics, and measuring marketing performance (e.g., Google Analytics, Meta Pixel). You can disable cookies in your browser settings; some features may not work. Because there is no industry consensus on Do Not Track (DNT) signals, our site does not currently respond to DNT headers, but we honor Global Privacy Control (GPC) signals as an opt-out of sale/sharing for California and Colorado residents.

7. AI-assisted communications

Our chat widget ("Sam") is an AI assistant, and our follow-up calls, texts, or emails may use artificial intelligence, prerecorded messages, or synthetic voices. AI responses may contain errors — verify details with a licensed loan officer. Chat transcripts are stored on our servers to improve support and to route qualified inquiries to a human loan officer.

8. Communications, TCPA & E-SIGN consent

Express written consent. By submitting the lead form, calculator, contact form, or otherwise providing your telephone number or email to Simply Approved Mortgages, you expressly consent and agree that Simply Approved Mortgages and its agents may contact you at the phone number(s) and email address(es) you provide — including your wireless/cellular number — for any purpose related to your inquiry, application, and reverse mortgage options, using any of the following:

• Live telephone calls
• Artificial or prerecorded voice messages
• SMS and MMS text messages
• Email, including transactional and marketing email
• Artificial intelligence (AI) voice, AI chat, and AI-assisted follow-up communications

This consent identifies Simply Approved Mortgages as the single seller under the FCC one-to-one consent rule and applies even if your telephone number is on any federal, state, corporate, or internal Do Not Call (DNC) registry. Consent is not a condition of purchasing any product or service; you can still request information by calling 877-813-7219. SMS: message frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel.

How to opt out. You may withdraw consent at any time by:

• Replying STOP, END, QUIT, CANCEL, or UNSUBSCRIBE to any SMS message
• Clicking unsubscribe in any marketing email
• Using our contact form with subject "UNSUBSCRIBE"
• Calling 877-813-7219
• Sending written notice to the address in Section 16

We process opt-outs within 10 business days for SMS/email marketing and within 30 days for internal DNC. You may continue to receive transactional messages (loan status, legally required disclosures) after opting out of marketing.

E-SIGN Act consent. By submitting a form, you consent to receive disclosures, notices, and records electronically. You may request paper copies by contacting us. You confirm your device can access PDF and HTML documents.

9. Data retention

We retain lead and application data for as long as needed to service your inquiry, comply with federal and state record-retention laws (typically 25+ months under Regulation B; longer for HMDA and state licensing), and defend legal claims. Consent records are retained for at least 4 years after the last communication, consistent with TCPA statute-of-limitations exposure.

10. Data security & breach notification

We use administrative, technical, and physical safeguards designed to protect personal information, including TLS encryption in transit, hashed credentials, access controls, employee training, and vendor due diligence. No method of transmission over the internet is 100% secure, so we cannot guarantee absolute security. If we determine that a security incident has compromised your personal information, we will notify you and applicable regulators without unreasonable delay and in accordance with the notification laws of your state of residence (including but not limited to Cal. Civ. Code § 1798.82, Fla. Stat. § 501.171, and Colo. Rev. Stat. § 6-1-716).

11. Your privacy rights (CCPA/CPRA — California residents)

California residents have the following rights under the California Consumer Privacy Act as amended by the CPRA:

• Right to know the categories and specific pieces of personal information we collected in the prior 12 months, the sources, purposes, and categories of recipients.
• Right to delete personal information we hold about you, subject to legal exceptions (e.g., loan record retention).
• Right to correct inaccurate personal information.
• Right to portability — a copy in a portable format.
• Right to limit use of sensitive personal information.
• Right to opt out of "sale" or "sharing" — we do not sell or share for cross-context behavioral advertising, so there is nothing to opt out of, but we honor Global Privacy Control (GPC) signals as an opt-out request.
• Right to non-discrimination for exercising these rights.
• Right to appeal a denial of a request.

To exercise these rights, use our contact form or call 877-813-7219. We will verify your identity using the information you already provided (name, email, phone). You may use an authorized agent by submitting a signed written authorization. Financial information collected under GLBA is generally exempt from CCPA/CPRA, but we honor these rights for information collected outside a loan transaction.

12. Other state privacy rights

Residents of Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, Delaware, Iowa, New Hampshire, New Jersey, and other states with comprehensive privacy laws have rights similar to those in Section 11, including access, correction, deletion, portability, opt-out of targeted advertising and sale, and appeal. Florida residents have rights under the Florida Digital Bill of Rights (Fla. Stat. § 501.71 et seq.) when applicable. Use the contact methods above to submit a request; we will respond within the deadlines set by your state's law.

13. Children (COPPA)

This site is directed to adults age 62 and older and is not intended for anyone under 18. We do not knowingly collect personal information from children under 13 as defined by the Children's Online Privacy Protection Act. If you believe a child has provided personal information, contact us and we will delete it.

14. International users

This site is intended for United States residents. Reverse mortgages are only available on qualifying U.S. properties. If you access the site from outside the U.S., you consent to processing of your information in the United States.

15. Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top reflects the most recent changes. Continued use of the site after changes constitutes acceptance of the revised policy. Material changes will be posted prominently on this page.

16. Contact us

• Privacy requests / general: our contact form
• Phone: 877-813-7219
• Address: 633 W 5th ST STE 2600, Los Angeles, CA 90071