Privacy Policy

1. This policy and our GLBA privacy notice

This policy covers this website. If you apply for a loan or become our customer, the federal Gramm-Leach-Bliley Act also gives you rights over your financial information, and our separate Privacy Notice explains how we share that information and how you can limit some sharing. You receive it when you apply, and we will send you a copy at any time if you ask (section 17). If the two ever differ for information about a customer, the Privacy Notice controls.

2. Information we collect

Information you give us. When you use a form on this website (for example Get a Rate Quote, Get Pre-Approved, Contact Us, Ask a Question, Start My Reverse Mortgage Review, the VA eligibility check, the reverse mortgage calculator report, Partner With Us, Join Our Team, or the ZYNG Academy list), we collect what you type in. Depending on the form, that can include:

• your name, email address, and phone number;
• the state and ZIP code of the property, and whether it is your primary residence;
• what you want to do (for example buy, refinance, or a reverse mortgage), your timeline, and approximate figures such as a price range, down payment, credit range, home value, or amount owed;
• for a reverse mortgage, your age and the age of a spouse or co-owner;
• for the VA check, details about your military service;
• for partners and job applicants, your company, role, and NMLS ID;
• any message you write.

We do not ask for Social Security numbers, account numbers, passwords, or financial documents on this website, and please do not send them through our forms.

Information collected automatically. When you send a form we record the date and time, the page, and your IP address, together with the consent wording you saw (section 6). Like most websites, our servers also log technical details such as your browser type and the pages requested, to run and protect the site. With your permission, analytics tools collect how you use the site (section 9). We also remember the loan officer who referred you, so your request reaches them (section 10).

Our online application. The Apply buttons open a secure application site run for us by our loan origination software provider (Arive), not this website. What you enter there is covered by our Privacy Notice (section 1).

3. How we use it

We use your information to:

• answer your request and connect you with your loan officer;
• tell you about mortgage options, rates, and offers, as you agreed (section 6);
• check whether we are licensed for the property's state;
• keep a record of your consent;
• run, secure, and improve this website, and prevent spam and abuse;
• consider job applications;
• meet our legal and regulatory obligations.

4. Who we share it with

We share your information only as follows:

• Our loan officers and staff, who handle your request.
• Service providers that work for us under contract and may use it only to provide their service: our customer relationship management system (GoHighLevel), which holds your request and sends our calls, texts, and emails; website hosting and analytics (Vercel); our databases (Neon); file and backup storage and spam protection (Cloudflare); email delivery for staff alerts (Resend); and Google Analytics, only if you allow analytics.
• When the law requires it, for example to respond to a regulator, a subpoena, or a court order, or to protect our rights or the safety of others.
• If our business changes hands, as part of a merger, sale, or similar transaction, under this policy.

We do not sell your personal information or rent our lists to anyone.

5. How long we keep it

• Your request: the website keeps it encrypted only until it reaches our customer relationship management system, then deletes it. A record of the delivery, without your name or contact details, is kept for two years.
• Consent records: the website's backup record of your consent (no name or contact details) is kept for five years from the date you gave it. The full consent record is kept in our customer relationship management system for at least five years.
• Backups: encrypted backups are kept for 30 days, so deleted information can remain in a backup for up to 30 days.
• Job applications: for applicants we do not hire, four years, as California law requires.
• Customer records in our customer relationship management system and loan files are kept as long as mortgage laws and our regulators require.

6. Calls, texts, and emails

When you send a form, the notice under the button explains that you agree to calls, texts, and emails from ZYNG Mortgage and its loan officers about your request and for marketing, including with automated technology. Your consent is not required to get a loan; you can call us at 530-888-6000 instead. We keep a record of what you agreed to: the exact wording, its version, the date and time, the page, and the phone number.

7. Text messages

Message frequency varies. Message and data rates may apply. Reply STOP to any text to stop receiving them, or HELP for help. See our Text Message Terms.

Mobile phone numbers and text message opt-in information are not sold or shared with third parties or affiliates for their marketing purposes. Service providers that send our texts (section 4) use them only to send them for us.

8. Withdrawing consent

You can withdraw consent to calls, texts, or emails at any time and by any reasonable means, including replying STOP to a text, using the unsubscribe link in an email, calling us at 530-888-6000, or emailing privacy@zyng.com. We will honor your request promptly.

9. Analytics

With your permission through the cookie banner, we use Google Analytics 4 and Vercel Web Analytics to understand how visitors use this website and how quickly its pages load. They tell us, for example, which pages are visited, which forms are started and sent, and when a call, booking, or application link is clicked.

We never send them your name, email address, phone number, age, loan amounts, the answers you give in our forms, or page addresses containing that information. Google Analytics uses cookies only after you allow analytics, through Google Consent Mode. Vercel Web Analytics does not use cookies. You can change your choice at any time with Cookie preferences at the bottom of every page.

10. Cookies and similar technologies

Like most websites, ours uses cookies and similar tools. A cookie is a small file that a website saves in your browser. A pixel, also called a web beacon, is a tiny piece of code on a page that tells a company the page was viewed. Local storage lets a website keep small settings in your browser.

We use them for two things. Necessary ones make the site work, keep it secure, block spam on our forms, and make sure your request reaches the loan officer who referred you. They are always on. Analytics ones show us how people use the site, so we can make it better. They are off until you turn them on. We don't use advertising cookies at this time.

Some of these tools come from other companies: Google, Cloudflare, and Vercel. We never give them your name, your contact details, or the answers you type into our forms.

You are in control. When you first visit, our cookie banner lets you accept all, reject all, or choose. You can change your mind at any time with Cookie preferences at the bottom of every page. You can also block or delete cookies in your browser settings, but some parts of the site may not work. If your browser sends a Global Privacy Control signal, we treat it as a request to turn off advertising cookies.

11. Do Not Track and tracking by other companies

Some browsers send a "Do Not Track" signal. There is no common standard for it, so this website does not respond to it. Analytics and advertising tools stay off until you turn them on in the cookie banner, and we honor the Global Privacy Control signal as described in section 10.

If you allow analytics, Google may collect information about your use of this website over time, and may combine it with what it collects on other websites, under Google's own privacy policy. If we use advertising tools in the future, this policy will name them first. Videos on our pages come from YouTube and load only when you press Play; YouTube's privacy policy then applies.

12. Reviewing and correcting your information

To see, correct, or update the information you sent us, or to ask us to stop contacting you, call us at 530-888-6000 or email privacy@zyng.com. We may need to confirm who you are before we make a change. Some records, such as consent records and loan files, must be kept for the periods in section 5.

13. Security

We protect your information with encryption in transit and at rest, and limited staff access with two-step sign-in. No website or system is completely secure, so we cannot promise that information will never be accessed without permission.

14. Children

This website is for adults. We do not knowingly collect information from children under 13. If you believe a child has sent us information, contact us and we will delete it.

15. Other websites

Our pages link to other websites, such as NMLS Consumer Access, government agencies, and our online application. Their own privacy policies apply there.

16. Changes to this policy

When we change this policy, we post the new version here with a new effective date. If a change is significant, we will also say so in a notice on this website.

17. Contact us

ZYNG Mortgage, Inc.
215 Maple St, Auburn, CA 95603
530-888-6000
privacy@zyng.com