Privacy Policy

Effective date: August 20, 2026

1. Introduction

This Privacy Policy explains how The Mortgage Marine ("we," "us," or "our") collects, uses, and shares information when you visit themortgagemarine.com (the "Site"). It applies only to information collected on this Site.

This Site is here to help you understand your loan options and get in touch. It does not process loan applications. Loan applications are submitted to and handled by Embrace Home Loans, and any information you provide during an application is governed by Embrace Home Loans' own privacy policy — not this one.

2. Information We Collect

We collect only the information needed to respond to you and operate this Site:

• Contact form. When you submit the contact form, we collect your name, email address, veteran or active-duty status, and any message or details you choose to provide. The contact form does not collect a phone number and does not opt you in to text messages.
• Chat widget. If you start a conversation through the chat widget, we collect your name, your phone number, and the messages you provide. The chat widget is the only place on this Site where you can provide a phone number and consent to text messages.
• Technical data. Like most websites, we may collect standard technical information — such as your IP address, browser type, and basic, aggregated analytics about how the Site is used — where applicable.

We do not collect loan application or financial information on this Site — no Social Security numbers, income, assets, or account details. That information is collected and processed by Embrace Home Loans through its own secure application system.

3. How We Use Information

We use the information you provide to:

• Respond to your inquiry and follow up about your request.
• Schedule and coordinate consultations.
• Send transactional text messages — only if you opt in through the chat widget (see "Text Messaging (SMS) Consent" below).

We do not sell your information, and we do not use it for automated decision-making.

4. Text Messaging (SMS) Consent

When you provide your phone number and submit the chat widget on this Site, you agree to receive text messages from The Mortgage Marine related to your inquiry — including replies to your questions, scheduling, and follow-up about your request. These messages may be sent using automated means.

The chat widget is the only way to opt in to text messages from us. Submitting the contact form does not opt you in to text messages, and the contact form does not collect a phone number.

• Messages are transactional and conversational only — replies to your inquiry, coordinating a call, and appointment confirmations or reminders. We do not send marketing or promotional text messages, rate advertisements, or broadcasts.
• Message frequency varies.
• Message and data rates may apply.
• Reply STOP at any time to unsubscribe. Reply HELP for assistance.
• Carriers are not liable for delayed or undelivered messages.

Mobile opt-in information and consent are not shared with, or sold to, any third parties or affiliates for marketing purposes. Your consent to receive text messages is not a condition of any purchase or service.

Our text messaging practices are also described in our Terms of Use.

5. How We Share Information

We share information only as needed to operate the Site and respond to you:

• With service providers that run the tools this Site uses (for example, our customer-relationship and messaging platform), solely so they can provide those services to us.
• With Embrace Home Loans if you proceed with a loan application, which is then handled under Embrace Home Loans' own privacy policy.
• As required by law, or to protect our rights, safety, or the safety of others.

We do not sell your personal information.

6. Data Retention

We keep the information you provide for as long as needed to respond to your inquiry and maintain our relationship with you, and as otherwise required by law.

7. Your Choices and Rights

• Text messages. Reply STOP to any message to opt out of further texts, or HELP for assistance.
• Access, correction, or deletion. You can ask us to access, correct, or delete the personal information you have provided by contacting us at bBloom@embracehomeloans.com. We will respond as required by applicable law.

Depending on where you live, you may have additional rights over your personal information under applicable law.

8. Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information collected through this Site. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

9. Children's Privacy

This Site is intended for adults and is not directed to children. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, please contact us and we will delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the revised version on this page and update the effective date above. Changes take effect when they are posted.

11. Contact

If you have questions about this Privacy Policy or how your information is handled, contact:

• The Mortgage Marine
• Email: bBloom@embracehomeloans.com
• Mailing address: 6100 Merriweather Dr, Columbia, MD 21044