Privacy Policy
Effective Date: September 24, 2025
Applies to: josejaviertorres.com and Funding NJ
Introduction
This Privacy Policy explains how josejaviertorres.com and Funding NJ (“we,” “our,” “us”) collect, use, and protect your personal information. By using our website, services, or by communicating with us via text, email, or phone, you agree to the terms of this Privacy Policy.
Information We Collect
We may collect the following types of personal information:
Contact Information: Name, email address, phone number, mailing address.
Communication Records: Records of text messages, emails, and phone calls with our company.
Financial & Application Information: Information voluntarily provided when applying for mortgage or related financial services, including income, employment, and property details.
Website Usage Data: IP address, browser type, device information, and cookies to improve site functionality.
How We Use Your Information
We may use your information to:
Provide mortgage, real estate, and related financial services.
Communicate with you via text, email, and phone for updates, reminders, and service information.
Verify identity, employment, or financial details when required.
Improve our website, marketing, and client experience.
Comply with legal, regulatory, or contractual obligations.
Communication Consent
By submitting your contact information, you consent to receive communications from us by text message, email, and/or phone.
Text Messages: Message and data rates may apply. You may opt out at any time by replying “STOP.”
Emails: You may unsubscribe at any time by clicking the unsubscribe link or replying with “unsubscribe.”
Phone Calls: Calls may be monitored or recorded for quality assurance and compliance purposes.
Sharing of Information
We do not sell or rent your personal information. We may share your data only with:
Service providers assisting in mortgage processing, verification, or communication.
Regulatory agencies as required by law.
Business partners (e.g., real estate agents, appraisers, title companies) only with your consent.
Data Security
We use commercially reasonable safeguards to protect your personal information from unauthorized access, disclosure, or misuse.
Your Rights
You may request access to, correction of, or deletion of your personal information at any time by contacting us.
Contact Us
If you have questions about this Privacy Policy or how your data is handled, you may contact us at:
Jose Javier Torres / Funding NJ
📧 Email: [email protected]
📞 Phone: 908-410-0120
🌐 Website: josejaviertorres.com