Protecting your private information is our priority.
This Statement of Privacy applies to Zero Cost Refinancing and explains what personal information we collect, what we do with it, what we don’t do with it, and how we keep it safe — as well as how you can manage your consent or restrict data collection and processing.
For the purposes of this Privacy Policy, unless otherwise noted, all references to “site” or “sites” include zerocostrefinancing.com and any affiliated marketing pages used by Zero Cost Refinancing, 2195 Tully Road, San Jose, CA 95122.
These sites are marketing applications used for the purpose of generating leads for our business. By using our sites, you consent to the data practices described in this statement.
Collection of Your Personal Information
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through our sites, this information may be collected and used by others.
We only collect the minimum amount of data necessary to deliver an optimal experience to you. Your data comes from a variety of sources, including:
Your interactions with our sites
Engagement via phone, email, text, or Facebook Messenger (“Messenger”)
Preferences stored in browser cookies
Advertisement engagement
Form data such as name, email address, phone number, and preferences from forms on our sites or via our advertisements
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain information when using certain products or services on our sites, such as:
Registering for an account
Signing up for offers or consultations
Contacting us via email, phone, or web form
We use your information primarily to communicate with you in relation to services and/or products you have requested. We may also gather additional personal or non-personal information in the future.
Use of Your Personal Information
We collect and use your personal information to operate our sites and deliver the services you have requested.
We may also use your information to inform you of other products or services available from Zero Cost Refinancing and our affiliates.
Sharing Information with Third Parties
We do not sell, rent, or lease customer information to third parties.
We may share data with trusted partners to help perform statistical analysis, send you voicemail, email, postal mail, text, or Messenger messages, provide customer support, or arrange for delivery of our services or products.
All such third parties are prohibited from using your personal information except to provide these services, and they are required to maintain confidentiality.
We may disclose your personal information, without notice, if required to do so by law or in good faith belief that such action is necessary to:
(a) comply with legal processes,
(b) protect and defend our rights or property, and/or
(c) protect the personal safety of users of our sites or the public.
Tracking User Behavior
We may track which pages our users visit to determine which services are most popular.
This data helps us deliver customized content and advertising via phone, email, text, or Messenger to customers whose behavior indicates interest in certain services.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected, such as your IP address, browser type, domain names, access times, and referring website addresses.
This information is used to operate and maintain quality of service and to provide statistics regarding site usage.
Use of Cookies
Our sites may use “cookies” to personalize your online experience.
Cookies help save you time by remembering your preferences and simplifying repeat visits.
You may choose to decline cookies in your browser settings; however, doing so may limit your ability to use certain features of our sites.
External Links
Our sites may contain links to other websites. We are not responsible for the content or privacy practices of other sites.
We encourage users to read the privacy statements of any site that collects personally identifiable information.
Security of Your Personal Information
We secure your personal information from unauthorized access, use, or disclosure through SSL encryption and other security protocols.
While we strive to protect your information, please note that no data transmission over the Internet can be guaranteed to be 100% secure. You acknowledge that security and privacy limitations exist that are beyond our control.
Children Under Thirteen
We do not knowingly collect personally identifiable information from children under the age of 13.
If you are under 13, you must ask a parent or guardian for permission to use this site.
Email Communications
We may contact you via email to provide education, announcements, promotional offers, or confirmations.
You may opt out of receiving marketing emails by clicking the “unsubscribe” link at the bottom of our messages.
External Data Storage
We may store your data on secure servers provided by third-party hosting vendors with whom we have contracts.
Changes to This Policy
We may update this Privacy Policy from time to time.
Significant changes will be communicated by email or through a prominent notice on our site.
Your continued use of our sites after such modifications constitutes your acknowledgment and acceptance of the updated policy.
Contact Information
We welcome your questions or comments regarding this Privacy Policy.
Zero Cost Refinancing
Contact: Vinod Mahboobani
Email: [email protected]
Telephone: +1 (408) 555-1234 (replace with actual business number)
Business Address: 2195 Tully Road, San Jose, CA 95122
Policy Last Updated: 11/07/2025