Privacy Policy

Introduction

Value Financial Group ("we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through this website, how we use and share it, and the choices available to you. It applies to this website only and does not cover information we may collect through other means, such as a formal mortgage loan application, which is governed by separate disclosures required by federal and state law.

By using this website, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use this website.

Information We Collect

Information you provide to us

When you submit our consultation request form, we collect the information you choose to provide, which may include your first and last name, phone number, email address, whether you are purchasing or refinancing, estimated purchase price, down payment amount, approximate credit score range, employment type, whether the property is an investment property, your preferred contact method, and any message you include. We do not ask for and you should never submit your Social Security number, bank account numbers, or other highly sensitive financial account information through this website.

If you contact us directly by phone or email, we will also have the information you provide during that communication.

Information collected automatically

Like most websites, our hosting and content-delivery providers may automatically log standard technical information when you visit, such as your IP address, browser type, device type, and pages viewed, for security and operational purposes. This website does not currently use advertising cookies or third-party analytics trackers. If that changes, we will update this policy.

Mortgage calculator

The mortgage payment calculator on this website runs in your browser. The figures you enter are not transmitted to us or stored — they are used only to display an estimate to you.

How We Use Your Information

• To respond to your inquiry and schedule a consultation;
• To discuss financing options that may be relevant to your situation;
• To communicate with you by phone, text, or email, consistent with your preferences;
• To operate, maintain, and improve this website; and
• To comply with applicable law and protect against fraud or misuse of this website.

Submitting the consultation form is not a mortgage loan application. If you move forward with a loan application, you will receive additional privacy notices required under the Gramm-Leach-Bliley Act and other applicable financial privacy laws at that stage of the process.

How We Share Your Information

We do not sell your personal information. We may share the information you provide with:

• Service providers who help us operate this website and respond to inquiries, such as our website hosting provider and our contact-form processor (Formspree), each of which processes information on our behalf;
• Professional and legal advisors where necessary; and
• Regulators or other parties where required by law, subpoena, or other legal process, or to protect the rights, property, or safety of Value Financial Group or others.

Telephone and Text Message Communications

If you provide your phone number and select phone or text as a preferred contact method, you agree that Value Financial Group may contact you at that number by call or text message regarding your inquiry. Message and data rates may apply. Consent to be contacted is not a condition of receiving any service. You may ask to stop receiving text messages at any time by replying "STOP," or by contacting us using the information below.

Your Privacy Choices

You may ask us to access, correct, or delete the personal information you have submitted to us through this website by contacting us using the information below. We will respond to reasonable requests consistent with our recordkeeping obligations under applicable law.

California residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we have collected about you, the right to request deletion of that information, and the right to non-discrimination for exercising your privacy rights. We do not sell or share personal information for cross-context behavioral advertising. To exercise these rights, contact us using the information below.

Data Security

We use reasonable administrative and technical measures designed to protect the information you provide. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain the information you submit for as long as reasonably necessary to respond to your inquiry, maintain our business records, and comply with applicable legal, accounting, or regulatory requirements.

Children's Privacy

This website is not directed to, and we do not knowingly collect personal information from, children under the age of 13.

Third-Party Links and Services

This website uses Google Fonts to display typography and Formspree to process consultation form submissions. These third-party services may process limited technical information (such as your IP address) in the course of providing their service, subject to their own privacy policies. This website may also link to other third-party websites; we are not responsible for the privacy practices of those sites.

Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this website after a change means you accept the updated policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise any of the choices described above, contact us:

• Value Financial Group — Carlos Cordova, Team Leader
• Phone: (623) 755-7528
• Email: carlos@myvaluefinancial.com
• Company NMLS ID #2133511 · Carlos Cordova NMLS ID #1918110