This Privacy Policy describes conditions applicable to your use of Miracle Mortgage website as well as any services you receive from direct participation in the Miracle Mortgage.

Miracle Mortgage  will comply with this Privacy Policy as well as all applicable state, federal, and local laws in the United States protecting privacy. 

We have created this Privacy Policy because we take your privacy seriously, and we seek to be as transparent as possible about how we collect, use, and share information.

Please review this Privacy Policy carefully as your continued use of Miracle Mortgage   website requires you to consent to it. If you have any questions regarding this Privacy Policy, you may contact us at help@miraclemortgage.com

A. Collection of Information

You acknowledge and agree that Miracle Mortgage  may collect information from you and about you when you use the services provided by Miracle Mortgage. The information collected will be used to communicate with you and participate in any services provided by Miracle Mortgage. In some instances, Miracle Mortgage  may collect and use your information for other purposes detailed below.

Specifically, Miracle Mortgage  may collect the following information from you:

Your Contact Information. This includes your name, address, phone number, e-mail, and details you provide to us about you and your business.

Cookies, Web Beacons, and Usage Logs. Cookies are bits of electronic information that can be transferred to your computer or other electronic device to uniquely identify your browser. We may place one or more cookies on your computer or other electronic device in order to learn more about your activities on our website by combining the cookie information with other information we store about you. At any time, you may adjust settings on your browser to refuse cookies according to the instructions related to your browser.

Web Usage. Miracle Mortgage  uses Google Analytics, which tracks and manages cookie information so that we and third-party service providers can better deliver advertisements that are relevant and useful to you online, including the Miracle Mortgage website and various other websites across the Internet. We have also implemented Google Analytics display network impression reporting to better understand how ad impressions and ad services are related to visits to our sites.

Your Social Networks.  If you use the social networking connection functions offered through Miracle Mortgage, we may access all of your social network profile information that you have made available to be shared with us.

Miracle Mortgage will never attempt to collect payment or payment information from a person interested in using our services.

There is no direct cost to any person for contacting Miracle Mortgage or for simply communicating with an advisor that is associated with Miracle Mortgage.

In the event that you complete a home purchase or home refinance transaction with an advisor that is associated with Miracle Mortgage, that transaction will be handled by the aforementioned advisor’s place of business and not directly through Miracle Mortgage. 

In that instance, any costs or fees will be disclosed to you well in advance, and you will have the right to agree (or disagree) to pay these costs. You will also have the right to consent (or deny consent) to have your payment information collected.

B. Use of Information

Generally speaking, Miracle Mortgage  will use information collected from you to provide you with the services and to improve the services. You thus acknowledge and agree that Miracle Mortgage  may use information collected from you for the following purposes.

Communications with You. Miracle Mortgage will use your email address, physical address, and phone number to communicate with you as necessary, including providing you with information you have requested or confirming that you will receive the services. If you do not wish to receive emails from Miracle Mortgage, send an email to help@miraclemortgage.com

Advertising and Improved Customer Service. Miracle Mortgage or third party service providers or advertisers may use cookies (that they collect or that we provide to them) or other similar technologies to collect information about your use of the services (including mobile applications) or your online activities over time and across different websites. Collected information may include the content you view, the date and time that you view this content, and the Web site that referred you to the services, and this information may be associated with your unique browser, device identifier, or Internet Protocol address. These practices help tailor advertisements that are relevant and useful to you. These tailored advertisements may appear on the services or on other websites, applications or properties.  Miracle Mortgage also may use your e-mail address to deliver tailored advertisements to you on the services or on other websites, such as Facebook’s Custom Audience Feature or other similar Facebook tools. We will not share your email address with Facebook.

C. Disclosure of Information.

You acknowledge and agree that Miracle Mortgage  may share information about you in the following circumstances:

You ask us to share the information.  If you request that Miracle Mortgage  contact a third party on your behalf, then you are consenting to disclosure of information and, particularly, personal contact information and any information we collect through your use of Miracle Mortgage website.  For example, if you choose to contact a real estate agent or lender through the services, we will send your contact information to a real estate agent or lender.

Miracle Mortgage needs to disclose the information to provide the services. Miracle Mortgage  may hire or contract with a service provider or business partner to operate some part or all of Miracle Mortgage  business or provide better services to you. In order to provide the services to you, Miracle Mortgage  may allow a third party to access information. Miracle Mortgage  will only disclose the information necessary for the service provider or business partner to perform the services.

Miracle Mortgage affiliates with a different company or sells its business. Miracle Mortgage  may share information with any company or companies that affiliate with Miracle Mortgage , including business partners. If Miracle Mortgage  is involved in a merger, acquisition, or any form of transfer or sale of some or all of its business, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding. Information may be transferred along with the business. Any company with whom Miracle Mortgage  affiliates or partners with has their own privacy and consumer information policies and, potentially, additional laws with which they must comply. Miracle Mortgage  is not responsible for ensuring compliance by other individuals, companies, or business partners.

Miracle Mortgage is required by law to disclose information. Miracle Mortgage may disclose any information in response to a subpoena or court order, and whenever Miracle Mortgage  has a good faith belief that access, use, preservation or disclosure of the information is reasonably necessary to (a) satisfy any requirement of law, regulation, legal process, or enforceable governmental request, (b) detect, prevent, or otherwise respond to fraud, security or technical concerns, (c) support auditing and compliance functions, or (d) protect the rights, property, or safety of the public against harm.

D. Complaint Procedure and Your Right to Request Removal of Information.

If you have any concerns regarding Miracle Mortgage practices, or do not want Miracle Mortgage  to collect, use, or disclose your information as described in this Privacy Policy, you may contact Miracle Mortgage  and Miracle Mortgage will respect and comply with your request as soon as practicable. Note that compliance with your request may result in your inability to use certain website features and our services in the future. We encourage you to disclose the requested information so we can provide the best possible customer service and offer you the use of our services. You may contact Miracle Mortgage at help@miraclemortgage.com

E. Miracle Mortgage’s Right to Amend Policy.

Miracle Mortgage  may amend this policy at any time, and without notice to you. You should check back for the most current version before relying on any of the provisions in this privacy policy.  By using the services, you agree to the terms of this Privacy Policy.

F. Miracle Mortgage’s Efforts to Secure Information.

Miracle Mortgage  uses technical and physical safeguards to protect against foreseeable breaches of its data, including the unauthorized use, access, or destruction of any information subject to this policy.