1. Scope of this policy
This Privacy Policy explains how information may be collected, used and shared when you use John Bramley’s mortgage website, request information, use a calculator or resource, or contact John through the site. John Bramley is a Loan Originator and Branch Manager with Barrett Financial Group, L.L.C.
2. Information you may provide
Depending on how you use the site, you may provide information such as your name, email address, phone number, general loan goals, property or financing questions, and other details you choose to include in a message or form.
This informational site is not intended to collect highly sensitive financial information such as Social Security numbers, bank account credentials or full credit reports. If you choose to begin a formal mortgage application, you may be directed to Barrett Financial Group’s secure application platform, where additional information may be requested under Barrett Financial Group’s privacy practices.
3. Information collected automatically
The site may collect basic technical and usage information such as browser type, device type, pages viewed, referring page, approximate location derived from an IP address, and interaction data. Cookies or similar technologies may be used for site functionality, analytics, security and, if enabled, advertising measurement.
4. How information may be used
- To respond to questions and requests
- To provide mortgage related information and connect you with John
- To route a request to Barrett Financial Group when appropriate
- To operate, secure and improve the website
- To understand site usage and marketing performance
- To comply with applicable law, regulation, licensing obligations and legal process
5. How information may be shared
Information may be shared with Barrett Financial Group, service providers that support hosting, analytics, communications, customer relationship management or security, and other parties when required by law or necessary to protect legal rights. This site does not knowingly sell personal information for monetary consideration.
Some analytics or advertising technologies may be treated as a form of “sharing” under certain state privacy laws. Where applicable, available browser or platform controls may be used to limit those technologies.
6. Mortgage application information
Mortgage brokers and nonbank mortgage lenders are subject to federal privacy rules governing certain nonpublic personal information. Information submitted through Barrett Financial Group’s application or servicing systems is governed by the privacy notices and practices applicable to those systems. Review Barrett Financial Group’s current privacy policy before submitting a formal application.
View Barrett Financial Group’s Privacy Policy
7. Communications
If you request contact, John or Barrett Financial Group may use the contact information you provide to respond to your request. If a form separately asks you to consent to calls or text messages, the consent language presented with that form will control. Consent to marketing communications is not a condition of obtaining credit.
8. Cookies and analytics
You can often control cookies through your browser settings. Blocking some technologies may affect site functionality. Third party analytics or advertising providers may also offer their own privacy and opt out tools.
9. Data security and retention
Reasonable administrative and technical safeguards may be used to protect information handled through the site. No online service can guarantee absolute security. Information is retained only as long as reasonably necessary for the purposes described here, legal obligations, dispute resolution and recordkeeping.
10. Third party websites
The site may link to Barrett Financial Group, NMLS Consumer Access and other third party websites. Their privacy practices are governed by their own policies.
11. Children
This site is intended for adults seeking mortgage information and is not directed to children under 13.
12. Privacy rights
Depending on where you live, applicable law may provide rights concerning access, correction, deletion or use of personal information. Requests may be sent to John using the contact information on this page. Some requests may need to be handled by Barrett Financial Group when the information is maintained in its systems.
13. Changes to this policy
This policy may be updated as the website, technology or applicable requirements change. The current version will be posted on this page with an updated date.
14. Contact
Questions about this website privacy policy may be directed to John Bramley at JBramley@BarrettFinancial.com or 862.268.1326.