Introduction 📝

At Olivia Zammit Mortgage Services, we value your trust and are fully committed to protecting your privacy. This Privacy Policy outlines how we collect, use, share, and secure your personal information when you interact with our services or website. By using our services, you agree to the practices described in this policy. If you have any concerns, feel free to contact us using the information provided at the end of this document.

Information We Collect 📋

We collect personal information that you voluntarily provide when applying for a mortgage or communicating with us. This includes your full name, contact details, home address, employment information, financial details such as income and liabilities, property-related data, and identity verification documents like CNIC or passport. This information helps us evaluate your application and deliver the best possible service.

How We Use Your Information ⚙️

Your personal information is used strictly for legitimate purposes. We use it to process your mortgage applications, verify your identity, communicate with you, comply with legal requirements, and enhance our services. We are committed to using your data responsibly and transparently, ensuring it's only used for the purposes you have agreed to.

Sharing of Information 🤝

We do not sell or trade your personal data. However, we may share your information with trusted third parties such as mortgage lenders, financial institutions, credit bureaus, identity verification services, or government authorities when legally required. These third parties are bound by confidentiality agreements and are only allowed to use your information for specific, approved purposes.

Data Security 🔐

To protect your information, we employ strong security measures, including encryption, secure servers, restricted data access, and regular system audits. Although no system can be entirely immune from breaches, we constantly monitor and upgrade our security protocols to safeguard your data against unauthorized access, loss, or misuse.

Your Rights and Choices ✅

You have full control over your data. You can request access to the personal information we hold about you, ask us to correct or delete it (where legally allowed), or withdraw your consent at any time. To exercise these rights, simply contact us using the details at the end of this policy. We take all privacy-related requests seriously and respond promptly.

Use of Cookies and Tracking 🍪

Our website may use cookies and similar tracking tools to improve your browsing experience and gather insights about how our site is used. Cookies help us provide a smoother experience, but you can disable them through your browser settings at any time. Please note that disabling cookies may limit certain features of our website.

Changes to This Policy 🔄

We may update this Privacy Policy from time to time to reflect changes in laws, technologies, or our business practices. When we make changes, we will post the updated policy on this page along with a revised "Effective Date." We encourage you to review this policy regularly to stay informed about how we protect your data.

Contact Us 📞

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, we are here to help. Please contact us at:

Olivia Zammit – Mortgage Services
📧 Email: [email protected]
📱 Phone: 707-299-9582