Important:
This website Privacy Policy is separate from any federal or state
financial-privacy notice provided by Coast2Coast Mortgage in
connection with a mortgage application or customer relationship.
Additional privacy notices may apply when you begin a formal
mortgage transaction.
01
Scope and who we are
This Privacy Policy applies to
fhaloanutah.com, referred to in this policy as
“FHA Loan Utah,” the “Site,” “we,” “us” or “our.”
FHA Loan Utah provides mortgage education and inquiry tools for
Victor Emmel, Mortgage Loan Officer, NMLS #133605, operating under
Coast2Coast Mortgage, LLC, NMLS #376205.
This policy applies to information collected through the Site and
Site-connected forms, surveys and scheduling tools. A separate
secure mortgage application, lender portal or third-party service
may provide its own privacy notice and terms.
02
Information we may collect
The information collected depends on how you use the Site and
which services you request.
Contact and identifying information
- Name, email address and telephone number.
- City, state, ZIP code or general property location.
- Communication preferences and consent records.
Mortgage inquiry information
- Whether you are purchasing or refinancing.
- Property type, occupancy and estimated purchase price.
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Estimated credit range, down payment, available funds and
homebuying timeline.
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Information you voluntarily include in a message, questionnaire
or appointment request.
Mortgage application information
If you choose to complete a secure mortgage application, additional
financial and identifying information may be collected through the
separate application platform. This can include employment,
income, assets, liabilities, housing history, government
identifiers and credit-related information.
Do not submit Social Security numbers, bank statements, tax
documents or other highly sensitive information through the
general Contact form. Use only the designated secure mortgage
application or document portal.
Technical information
- Internet Protocol address and approximate location.
- Browser, device, operating system and language settings.
- Pages viewed, referring pages and interaction data.
- Cookie identifiers and similar technical information.
03
How we collect information
We may collect information:
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Directly from you when you submit a form, questionnaire,
application or appointment request.
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When you communicate with us by telephone, email, text message
or another approved channel.
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Automatically through cookies, server logs, analytics and
similar technologies.
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From service providers used to operate forms, scheduling,
communications, website hosting and mortgage services.
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From consumer reporting agencies or other authorized sources
only after obtaining any authorization required for a formal
mortgage review.
04
How we use information
We may use personal information to:
- Respond to your mortgage question or inquiry.
- Schedule and manage appointments.
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Evaluate which educational resources or mortgage next steps may
be relevant to your stated goal.
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Process a mortgage application or provide requested mortgage
services.
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Communicate about your inquiry, appointment, application or loan
transaction.
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Send marketing communications when you have separately provided
the required consent.
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Maintain records, document consent and satisfy legal,
regulatory, licensing and compliance obligations.
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Protect the Site, prevent fraud and investigate suspected
unauthorized activity.
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Analyze and improve the Site, forms, educational content and
user experience.
05
How information may be disclosed
We may disclose information only as reasonably necessary for the
purposes described in this policy, including to:
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Coast2Coast Mortgage, its personnel, processors, compliance
staff and participating mortgage providers.
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Website hosting, customer relationship management, form,
scheduling, communications, analytics, security and technical
service providers.
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Credit reporting agencies, lenders, investors, insurers,
appraisers, title providers and other transaction participants
when authorized and relevant to a mortgage request.
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Government agencies, regulators, courts or other parties when
disclosure is required or permitted by law.
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Professional advisers, auditors or service providers subject to
appropriate confidentiality obligations.
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A successor organization in connection with a merger,
acquisition, reorganization or transfer of business assets,
subject to applicable law.
We do not currently sell personal information for monetary
consideration. We do not knowingly share personal information for
third-party cross-context behavioral advertising. If these
practices change, this policy will be updated and any legally
required privacy choices will be provided.
Nonpublic personal financial information associated with a
mortgage application may also be governed by federal financial
privacy law and the applicable Coast2Coast Mortgage privacy
notices.
06
Text messaging and mobile information
If you separately consent to receive text messages, messages may
include responses to your inquiry, appointment reminders,
requested information, loan-related updates or marketing messages
associated with the specific consent you provided.
Message frequency varies. Message and data rates may apply. Text
HELP for assistance or reply STOP to opt out at any time. Consent
to text messaging is not a condition of purchasing any property,
product or service.
Transactional and marketing text-message consent choices are
maintained separately when required. Opt-in boxes should not be
preselected and should remain optional.
Mobile-information non-sharing notice:
No mobile information will be shared with third
parties/affiliates for marketing/promotional purposes.
Information sharing to subcontractors in support services, such
as customer service, is permitted. All other use case categories
exclude text messaging originator opt-in data and consent; this
information will not be shared with any third parties.
07
Cookies, analytics and browser controls
The Site may use cookies and similar technologies to provide
essential functionality, remember preferences, measure website
performance, understand Site usage and protect against fraud or
abuse.
Depending on the Site configuration, these technologies may be
provided by website hosting, analytics, form, scheduling, security
or embedded-content providers.
You may be able to manage nonessential cookies through the Site’s
cookie-consent tool or through your browser settings. Blocking
certain cookies may affect Site features, embedded forms,
calculators or scheduling tools.
Because browser-based “Do Not Track” signals are not governed by a
single uniform standard, the Site may not respond to every Do Not
Track signal. Where legally required and technically supported, we
will honor applicable opt-out preference signals.
08
Information security and retention
We use reasonable administrative, technical and physical
safeguards designed to protect personal information from
unauthorized access, disclosure, alteration, loss or misuse.
However, no website, transmission method or storage system can be
guaranteed to be completely secure.
Sensitive mortgage documents should be submitted only through an
approved secure application or document portal—not through general
website forms, standard email or text message.
Information may be retained for as long as reasonably necessary to
respond to inquiries, provide requested services, maintain
business and consent records, resolve disputes, prevent fraud and
comply with mortgage, licensing, financial, tax, recordkeeping and
other legal obligations.
09
Your privacy rights and choices
Depending on your state of residence, the nature of the
information and applicable exemptions, you may have the right to:
- Request access to personal information collected about you.
- Request correction of inaccurate personal information.
- Request deletion of eligible personal information.
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Request information about categories of information, sources,
uses and disclosures.
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Opt out of certain sales, sharing or targeted advertising where
applicable.
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Limit certain uses of sensitive personal information where
applicable.
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Appeal a privacy-request decision when provided by applicable
law.
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Exercise applicable rights without unlawful discrimination.
These rights are not absolute. Information governed by federal
financial privacy law, consumer reporting law, mortgage
recordkeeping requirements or another legal exemption may be
excluded from some state privacy requests.
We may need to verify your identity before completing a request.
An authorized agent may submit a request when permitted by law and
when appropriate authorization can be verified.
To submit a request, use the contact information below or the
Contact page.
10
Children’s privacy
FHA Loan Utah is intended for adults seeking mortgage information
and is not directed to children under 13. We do not knowingly
collect personal information from children under 13 through the
Site.
If you believe a child has submitted personal information, contact
us so the information can be reviewed and deleted when appropriate.
11
Third-party websites and services
The Site links to or embeds services operated by third parties,
including forms, scheduling tools, mortgage calculators, secure
application platforms, government resources and other educational
websites.
Third-party services operate under their own privacy policies,
security practices and terms. Review those policies before
submitting personal or financial information. FHA Loan Utah is not
responsible for the privacy practices or content of independently
operated third-party websites.
12
Changes to this Privacy Policy
This policy may be updated to reflect changes in the Site,
technology, service providers, business practices or applicable
law. The effective date displayed at the top of the page will be
revised when material updates are published.
Continued use of the Site after an updated policy is posted is
subject to the revised policy. Where required, additional notice
or consent will be provided.
13
Contact information
Contact us with questions about this Privacy Policy or to submit a
privacy request.
