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Privacy Policy

Effective Date: January 1, 2026
Last Updated: January 1, 2026

Utah Reverse Mortgage Guide ("Site"), operated by Belmont Digital ("Company," "we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and submit information through our forms.

1. Information We Collect

Personal Information You Provide

When you submit a form on our Site, we may collect the following information:

  • First and last name
  • Email address
  • Phone number
  • Zip code
  • Age range
  • Estimated home value
  • Current mortgage balance
  • Reverse mortgage interest or goals

Information Automatically Collected

When you visit our Site, we may automatically collect certain information about your device and browsing activity, including:

  • IP address
  • Browser type and version
  • Operating system
  • Referring website
  • Pages visited and time spent on each page
  • Date and time of visit
  • Device type (desktop, mobile, tablet)

Cookies and Tracking Technologies

We may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activity. Cookies are small data files placed on your device that help us improve your experience and analyze site usage. You can control cookies through your browser settings, though disabling cookies may affect site functionality.

2. How We Use Your Information

We use the information we collect for the following purposes:

  • To connect you with a licensed reverse mortgage professional who serves your area in Utah
  • To respond to your inquiries and provide requested information
  • To communicate with you about reverse mortgage products and services
  • To improve our website, content, and user experience
  • To analyze website traffic and usage patterns
  • To comply with applicable laws and regulations
  • To detect, prevent, and address fraud or technical issues

3. How We Share Your Information

We may share your personal information in the following circumstances:

  • Licensed mortgage professionals: We share your contact information and submitted details with licensed reverse mortgage specialists who can assist you with your inquiry. This is the primary purpose of our service.
  • Service providers: We may share information with third-party service providers who assist us with website hosting, data analytics, email delivery, and other operational functions.
  • Legal compliance: We may disclose information when required by law, regulation, legal process, or governmental request.
  • Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
  • Protection of rights: We may disclose information to protect our rights, property, or safety, or the rights, property, or safety of others.

We do not sell your personal information to unrelated third parties for their direct marketing purposes.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit (SSL/TLS), secure data storage, and access controls. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

6. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

  • Access: You may request a copy of the personal information we hold about you.
  • Correction: You may request that we correct inaccurate or incomplete information.
  • Deletion: You may request that we delete your personal information, subject to certain exceptions.
  • Opt-out: You may opt out of receiving marketing communications from us at any time.
  • Restrict processing: You may request that we restrict the processing of your personal information in certain circumstances.

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

7. 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 collect, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information as defined by the CCPA.

8. Do Not Track Signals

Some browsers transmit "Do Not Track" (DNT) signals. Our Site does not currently respond to DNT signals. However, you can control tracking through your browser's cookie settings and through opt-out mechanisms provided by advertising networks.

9. Third-Party Links

Our Site may contain links to third-party websites. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit. We are not responsible for the privacy practices or content of third-party websites.

10. Children's Privacy

Our Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

11. Financial Information Disclaimer

While we collect certain financial information (estimated home value, mortgage balance) through our forms, this information is used solely to connect you with an appropriate reverse mortgage professional. We do not verify, store, or process this information for lending purposes. We are not a lender and do not make credit decisions based on the information you provide.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Privacy Policy. We encourage you to review this page periodically.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your data rights, or have concerns about how your information is handled, please contact us through the information provided on our website.