Privacy Policy
Village Mortgage Inc.
Effective date: September 11, 2026
This Privacy Policy applies to Village Mortgage Inc.’s refinance inquiry website at https://village-refinance-check.mikey123.chatgpt.site. It explains how we handle information you provide through this website and when we follow up about your inquiry.
1. Information We Collect
When you complete our refinance inquiry form, we collect the information you provide, including your first and last name, email address, phone number, refinance goal, property use, estimated home value, estimated mortgage balance, desired timing, and general description of your credit. We also collect your text-message consent selections and records associated with your submission, including a submission identifier and the version of the consent language presented.
The form does not request your Social Security number, bank account numbers, or loan documents. Please do not send sensitive financial documents through the inquiry form or ordinary text messages. Contact us for instructions on providing documents when needed.
2. How We Use Your Information
We use your information to review your refinance goals, respond to your inquiry, discuss options, and arrange a conversation with our team. We generally attempt to call you first. If we cannot reach you, we may follow up by email and, if you have opted in to non-marketing text messages, by text about your inquiry.
We also use submission and consent records to manage requests, honor communication preferences, prevent misuse, and meet applicable recordkeeping obligations. Submitting an inquiry does not itself authorize a credit pull or constitute a loan application, approval, or commitment to lend.
3. Storage And Team Access
Refinance form submissions are stored in Google Sheets. Access to that sheet within Village Mortgage is limited to Mike, Juli, and Ashli. We use the website’s hosting infrastructure and Google’s services to transmit, process, and store submissions on our behalf. Communication providers may process the information needed to deliver our calls, emails, and authorized texts.
4. Information Sharing
We do not sell or rent your inquiry information. We do not provide it to outside businesses for their own marketing or promotional purposes. Your inquiry stays with our team whether or not you choose to work with us.
If you proceed with a mortgage, we obtain your specific permission before sharing your information with a lender or another outside participant in that process. These commitments do not prevent service providers from processing information to operate our website, store submissions, or deliver communications on our behalf. We may also disclose information when required by law or valid legal process.
5. Text Messages And Mobile Information
The website provides one optional, unchecked consent box for non-marketing texts about your refinance inquiry. You may submit an inquiry without selecting it. Providing a phone number alone does not enroll you in text messaging.
If you select the text-message consent option, we may text you about your refinance inquiry, including follow-up and appointment coordination. This form does not enroll you in ongoing promotional or marketing messages.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out of text messages. We will honor your opt-out request; you may receive a final confirmation. Reply HELP for assistance or call (801) 627-8888. You may also call this number to update your communication preferences.
We do not sell, rent, or share your mobile information with third parties or affiliates for their marketing or promotional purposes. Text-message opt-in data and consent are not shared or transferred to another business for its own use. Service providers may process this information solely to support our messaging program, and disclosure may occur where legally required. General information-sharing provisions elsewhere in this policy do not authorize sharing SMS consent for another business’s marketing.
6. Website Technology
Our website uses hosting and security infrastructure to deliver the site and protect it against misuse. Those services may process technical information, such as IP address, browser and device information, request times, and security signals, and may use cookies or similar technologies for those functions.
Village Mortgage has not installed Google Analytics or a Meta/Facebook advertising pixel on this refinance site. If we add analytics or advertising tracking, we will update this policy to describe the relevant practices and provide any required choices. Browser settings allow you to manage cookies, although restricting them may affect some website functions.
7. Retention And Your Requests
We have not established a fixed deletion schedule for refinance inquiries. Information remains in our records unless it is deleted. You may call (801) 627-8888 to request access to, correction of, or deletion of the information you submitted, or to ask us to stop following up. We may need to verify your identity before acting on a request. Deletion may be limited by applicable legal or recordkeeping obligations, and we may retain information needed to honor an opt-out.
8. Information Security
We limit internal access to the submission sheet as described above. No website, electronic transmission, or storage system can be guaranteed completely secure. Contact us if you have questions or concerns about the handling of your information.
9. Other Websites And The Mortgage Process
This policy covers this refinance inquiry website. Other websites and services may have their own privacy policies. If you begin a mortgage application, additional financial privacy notices and disclosures may apply. This website policy does not replace those notices.
10. Children’S Privacy
Our refinance website is intended for adults and does not knowingly collect personal information from children under 13. If you believe a child has submitted information, contact us so we can address it.
11. Policy Updates
We may update this policy to reflect changes in our practices or requirements. We will post the revised policy with an updated effective date and provide any additional notice required by law.
12. Contact Us
Village Mortgage Inc.
3852 S Washington Blvd
South Ogden, UT 84403
Phone: (801) 627-8888
Website: https://village-refinance-check.mikey123.chatgpt.site