Privacy Policy

Last updated: June 30, 2025

Mortgage with Melissa - Melissa Lusty (“we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, protect, and share your personal information when you visit our website, communicate with us, or use our services.

1. Information We Collect

We may collect the following types of personal information (“Personal Information”):

  • Contact Information: Name, phone number, email address, mailing address.

  • Financial Information: Income, assets, debts, credit history, and other financial details necessary to evaluate mortgage options.

  • Identification Information: Date of birth, Social Security Number (if provided for loan processing), government-issued ID.

  • Communication Data: Information you share with us through emails, text messages, phone calls, social media, or forms on our website.

2. How We Use Your Information

We use your Personal Information to:

  • Evaluate your mortgage options and assist with loan applications.

  • Communicate with you via phone, email, text, or social media—whichever method you prefer.

  • Maintain records and comply with legal and regulatory requirements.

  • Improve our services and website.

3. How We Share Your Information

We only share your Personal Information with:

  • Lenders and financial institutions for the purpose of securing your mortgage loan.

  • Our technology service providers, such as our secure CRM system, strictly for managing and processing your data. Access to this data is limited to [Your Name] and our IT administrator.

  • Government agencies or regulators if required by law or regulation.

We do NOT sell, rent, or trade your Personal Information to third parties for marketing or other purposes unrelated to your mortgage transaction.

4. Data Security

We take the security of your data seriously. We use physical, electronic, and administrative safeguards to protect your Personal Information, including:

  • Secure storage in our CRM system, accessible only to authorized personnel.

  • Encryption and secure communication methods whenever possible.

  • Regular monitoring and updates to protect against unauthorized access.

5. Data Retention

By law, we must retain certain records for at least seven (7) years, or for the life of the loan, whichever is longer.

  • Loan Application Data: Cannot be deleted due to legal and regulatory requirements.

  • CRM Data: You may request that we delete information held in our CRM system, provided we are not legally required to retain it for compliance, recordkeeping, or audit purposes.

6. Your Rights and Choices

Depending on your state of residence, you may have rights regarding your Personal Information, including:

  • Accessing or correcting your data.

  • Requesting deletion of CRM records (subject to retention requirements noted above).

  • Opting out of certain communications.

To exercise your rights or ask questions about this policy, please contact us using the details below.

7. Utah Residents

At this time, Utah does not have consumer privacy laws imposing additional requirements beyond federal privacy regulations for financial institutions like mortgage brokers. We comply with federal laws including the Gramm-Leach-Bliley Act (GLBA) and other applicable regulations.

8. How We Communicate With You

We may communicate with you through:

  • Phone calls

  • Text messages

  • Email

  • Social media messaging (if that is your preferred method)

You can let us know your preferred communication method and change it at any time.

9. Changes to This Policy

We may update this Privacy Policy periodically. The revised policy will be posted on our website with a new effective date.

10. Contact Us

If you have questions about this Privacy Policy or your Personal Information, please contact us:

Mortgage with Melissa - Melissa Lusty
7985 S 700 E, Sandy, UT, 84070
385-275-8078