Maret Family LLC DBA Maret Mortgage Brokers (“Maret Mortgage Brokers”) respects the privacy of visitors of mutualreverse.com and all sites and mobile applications, if any, linking to this On-Line Privacy Policy (“Policy”) (collectively “sites”). This Policy applies to these sites and explains how Maret Mortgage Brokers may collect, use and share information about you from our sites. We encourage you to read our Policy before using the sites. By visiting our sites you are agreeing in advance to the current and future terms of this Policy, and we have the right to use your information as described in this Policy. If you do not wish to agree to these terms, you should leave the site.
In addition to this Policy, Maret Mortgage Brokers’s written Consumer Privacy Notice (Consumer Privacy Notice) further describes how we collect, use, and share personal information (defined below) shared with us, such as when you apply for or purchase our products and services becoming our customer.
The following sections address our sites’ on-line privacy practices in more detail:
Types of information collected on our sites
There are two types of information collected on our sites: Personally Identifiable Information and Non-Personally Identifiable Information.
Personally Identifiable Information
Personally Identifiable Information (“personal information”) is information that identifies you as an individual, such as your name, mailing address, email address, age range, etc. Personal information may also include geo-location, phone carrier, or other device information. Personal information may be obtained when you voluntarily provide the information to us, through the use of cookies, and when we collect your geo-location, phone carrier, or other device information directly or through our third party vendor(s).
Non-Personally Identifiable Information
Non-Personally Identifiable Information (“non-personal information”) is information that does not identify you as an individual, such as your browser type, IP Address, and the URL of the web sites you visited before or after our site. Maret Mortgage Brokers may automatically collect certain types of non-personal information from you when you use our sites. We may also collect non-personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.
Why we collect your information
Maret Mortgage Brokers may use personal information it can collect on our sites for a variety of reasons related to fraud protection, obtaining a better understanding of your needs and interests, and to develop and provide you with products, services, and features that better meet your needs or requests.
How we collect information
Maret Mortgage Brokers collects on-line information when you provide it to us or through the use of technology (an example would be form submissions).
Information Collected Through You
If you choose to use certain services on our sites, we may require you to provide contact and identity information. We indicate which fields must be completed to take advantage of a particular service or feature.
Non-Personal Information Collected Through Technology
Cookies:
Our sites may use cookie technology to improve your experience and gather information for statistical reporting and other purposes.
A cookie is a small piece of information sent by a site that is saved on your electronic device. It holds information a site may need to personalize your experience (i.e., rotating images on our sites’ home pages) and gathers statistical information, such as which pages are visited, what is downloaded, the Internet provider’s domain name and country that our visitors come from and the addresses of sites visited immediately before and after coming to our sites. Maret Mortgage Brokers may also use cookies in conjunction with third party services to obtain demographic data on visitors to our sites. Examples of information collected include information to enable us to provide products and services that may better suit your needs.
To browse without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.
IP Address:
Our sites may collect IP addresses for the purposes of systems administration, authentication and security, server problem diagnosis and compiling aggregate information, such as how many visitors accessed our sites. When you visit a particular page on our sites, our servers may log your IP address. An IP address is a number that is assigned to your computer automatically when you use the Internet.
Embedded Pixels:
We may use embedded pixel technologies on selected pages for the purposes of identifying unique user visits to our sites as opposed to aggregate hits. In addition, embedded pixels or other technologies may be used in emails to provide information on when the email was opened to track marketing campaign responsiveness. Information collected using these technologies may be associated with the recipient’s email address.
Who we share personal information with
We may share personal information among Maret Mortgage Brokers and its affiliated companies, including our insurance affiliates and with select third parties as permitted or required by law. For information on who we may share your personal information with once you apply for our products or services, or become our customer, view our Privacy Notice referenced above.
Disclosure of personal information for legal purposes and protection of Maret Mortgage Brokers and others:
We also reserve the right to share your personal information with third parties if we believe such action is necessary in order to: (a) conform with the requirements of any court order, law or legal process, including to respond to any government or regulatory request; (b) protect or defend our legal rights or property, our sites or our users; or (c) investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or violations of the terms and conditions of using our sites.
Children’s privacy
Unless otherwise specified, our sites are not directed toward children. We do not knowingly collect information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected, we will delete that information from our systems.
Keeping your information secure
The security of your personal information is very important to us, and we are committed to protecting the information we collect. We have security measures in place that seek to protect against the loss, misuse or alteration of information that Maret Mortgage Brokers has collected from you through our sites.
Unfortunately, no information transmission over the Internet or any wireless network can be guaranteed to be 100 percent secure. As a result, while we strive to protect your personal information, Maret Mortgage Brokers cannot ensure or warrant the security of any information you transmit to us or from our on-line products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our sites.
Acceptance of Policy
By visiting our sites, you are accepting the terms and conditions of this Policy, and we have the right to use your information as described in this Policy.
This Policy applies only with respect to the information that we collect on-line on our sites and not to any information that Maret Mortgage Brokers collects through other methods or sources.
If for some reason you believe that our sites have not adhered to this Policy, please notify us at one of the addresses below.
Changes to the Policy
Maret Mortgage Brokers reserves the right to modify or amend this Policy at any time. Your continued use of our sites after we post any changes to this Policy on our sites will constitute your acceptance of those changes, so please check the Policy periodically for updates. We will post the updated Notice on the website and update the Notice’s effective date.
The latest revision to this Policy occurred in June 2024. Changes to this Policy will not affect our use of previously provided personal information.
Terms and Conditions of Use
Your use of this site is subject to certain Terms of Use.
Do Not Track Disclosure
We do not respond to your browser’s Do Not Track signals.
Contacting us
Please note that whenever you submit any information to us in connection with any Maret Mortgage Brokers products and services, you consent to Maret Mortgage Brokers’s processing of this information as necessary to provide the products and services in which you are participating.
If you have any questions or comments about our Policy and/or the way it affects you, please feel free to contact us by:
This page outlines the terms and conditions which apply when a consumer provides their cellular phone number and consents to receive SMS messages, also known as and hereafter referred to as “text messages” from Maret Family LLC , d/b/a Maret Mortgage Brokers and its agents and/or representatives from its family of companies (collectively “Maret Family LLC”). For the purpose of these SMS Terms and Conditions, the system used to transmit and manage text messages shall be referred to herein as the text messaging system”.
Maret Family LLC may use text messages to inform consumers about promotional opportunities and/or extension of credit or loan-related information. These messages are intended solely for the recipient, are confidential between Maret Family LLC and the recipient and are not a promise to extend credit or a requirement for any application for extension of credit.
Message frequency varies, and data rates may apply.
Consent to Contact:
You are also signing express consent to having Maret Family LLC , or representatives from our family of companies, contact you about your inquiry via text message, email address, or phone (even if it is a cellular phone number or other paid service for which the called or messages person(s) could be charged for such call or text) to the residential or cellular telephone number or email you have provided. This contact may include automatic telephone dialing system or an artificial or prerecorded voice or message. Message frequency varies and data rates may apply. You expressly consent to Maret Mortgage Brokers to contact you via any means made to any telephone number you provide, even if your telephone number is currently listed on any do not contact email list, internal, corporate, state or national Do Not Call Registry list. Consent is not required as a condition of utilizing Maret Mortgage Brokers services. You may opt out of receiving calls or other electronic communications at any time by making a Do Not Call Request. By opting in to receiving text messages from Maret Family LLC, you represent that you are the account holder for the number which you register or use to interact with Maret Family LLC. You further represent that you are legally able to consent to receive or send text messages with Maret Family LLC under any local, state or federal laws that may apply. You consent to restrict your use of Maret Family LLC’s text messaging system to communicate solely with Maret Family LLC, and will not transmit, disseminate or distribute text messages from this system.
No Obligation to Purchase or Guarantee of Credit
Consent to receive text messaging from Maret Family LLC does not obligate you to purchase any product or service from Maret Family LLC, nor is it a condition or requirement of any credit approval or loan transaction.
Text messages and/or phone calls from Maret Family LLC are not an offer or guarantee to extend credit or a commitment to lend.
Privacy:
By opting into receiving SMS text messages, you expressly agree to the terms of Maret Family LLC’s privacy policy. You can view the privacy policy by clicking HERE.
Disclaimer:
You understand and agree that Maret Family LLC is not responsible for any issues that may arise due to defects in its text messaging system, your use of the text messaging system, use of your phone or cellular account by yourself or any third party who gains access, or which arise from your cellular account provider. Maret Family LLC does not guarantee that text messages (sent or received) are secure, accurate or complete as text messaging systems may be intercepted, corrupted or delayed by external factors. Maret Family LLC disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranty of merchantability and fitness for a particular purpose with respect to the text messaging system, and any exchanges that may occur.
It is not our policy to request nonpublic personal information from you by text message. PLEASE DO NOT SEND US YOUR NONPUBLIC PERSONAL INFORMATION VIA TEXT MESSAGE. If you need to convey nonpublic personal information to us, please contact our Customer Service Department at Maret Mortgage Brokers for further assistance.
Indemnification:
By opting in to receive text messages and/or interacting with the text messaging system, you agree to indemnify Maret Family LLC, its employees, agents and affiliates against any and all claims from 3rd parties that arise as a result of your use of the text messaging system. You consent to indemnify Maret Family LLC against damages, expenses, penalties and legal fees that may arise including but not limited to fraud, theft or claims arising out of the Telephone Consumer Protection Act (“TCPA”).
Consumer Obligations in Case of Phone Number Change:
If you change your phone number or surrender ownership of the number you provided Maret Family LLC, you agree to immediately notify Maret Family LLC of that change by emailing customerservice@MaretMB.com so that we may deactivate your number. You also agree to indemnify Maret Family LLC, its employees, agents and affiliates against any and all claims that arise as a result of your failure to notify Maret Family LLC of that change, including damages, expenses, penalties and legal fees that may arise. This includes, but is not limited to claims arising out of the Telephone Consumer Protection Act (“TCPA”).
Report Abuse:
If you did not sign up for text messages, your cellular phone or cellular account has been compromised, you discover that an unauthorized 3rd party is using your account to contact Maret Family LLC, or if you believe your number has been registered with Maret Family LLC as a result of any abusive or criminal activity, please inform our Customer Service Department immediately by calling Maret Mortgage Brokers or emailing customerservice@MaretMB.com.
Removal/Opting Out from Text Messaging:
If you no longer wish to receive text messages or communications from Maret Family LLC, you may opt out at any time by sending the command STOP to the number that you received from Maret Mortgage Brokers, or by contacting the our Customer Service Dept at Maret Mortgage Brokers or by emailing customerservice@MaretMB.com. All requests to opt out will be honored within a commercially reasonable amount of time.
Complaints:
Complaints regarding Maret Family LLC’s text messaging system, or any exchanges between you and a representative or agent of Maret Family LLC or its family of companies via the text messaging system should be submitted to the Customer Service Dept at Maret Mortgage Brokers or by email at customerservice@MaretMB.com.
Available Text Commands:
While individual text messages from Maret Family LLC may contain specific command instructions, the following commands may be used at any time to interact with the SMS text messaging system:
Opt-out or STOP: By texting STOP to the number that you received from Maret Mortgage Brokers, your number will be removed from text messaging notifications and campaigns.
Opt-in or START: By texting START to the number that you received from Maret Mortgage Brokers, you can re-enroll in messages.
HELP: By texting HELP to the number that you received from Maret Mortgage Brokers, you will be able to access information and help.
Language:
Maret Family LLC’s products and services are offered only in English. Any translations of text messages into other languages are intended solely as a courtesy, and not an indication that an application for credit or loan transaction may occur in that language. If there is any discrepancy between the content of a text message communication from Maret Family LLC in a language other than English, the English version will control.
Disputes:
By providing Maret Family LLC with your number for the purpose of utilizing text messaging, you expressly consent that the laws of the State of Delaware, without regard to principles of conflict of laws, will govern the use of Maret Family LLC’s text messaging system, and any dispute that might arise between you and Maret Family LLC, including but not limited to claims under the Telephone Consumer Protection Act shall be resolved under the laws of Delaware. You further agree that any action at law or in equity arising out of or relating to Maret Family LLC’s text messaging system shall be filed only in the state or federal courts located in Delaware, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. You also agree that any such claims shall be subject to arbitration.
Severability:
If any term or provision of these Terms and Conditions is determined by a court of competent jurisdiction to be invalid or unenforceable, the remainder of these Terms and Conditions shall continue to be valid and enforceable.
Why is Maret Family LLC sending me text messages?
When you provide Maret Family LLC with your number and consent to receive SMS or text messages, we may use text messages to inform you about promotional opportunities and/or mortgage-related information.
How do I stop receiving text messages?
You may unsubscribe from the text messages offered by Maret Family LLC at any time by texting the word STOP to the number that you received from Maret Mortgage Brokers, by calling (480)529-0904 or by emailing our Customer Service Department at customerservice@MaretMB.com.
What if I have questions about the text messages?
You may text the word HELP to the number that you received from Maret Mortgage Brokers to receive assistance with the text messaging system.
If you have questions about the information you received, or would like to speak to a customer service representative, please call (480)529-0904 or email our Customer Service Department at customerservice@MaretMB.com for more information.
I am a victim of identity theft and did not sign up for texts. What can I do?
If you did not enroll your cell phone number and believe you are receiving messages from Maret Family LLC as a result of identity theft, unauthorized or criminal activity, please contact our Customer Service Department by calling (480)529-0904 or email our Customer Service Department at customerservice@MaretMB.com for more assistance.
Is there a charge for the text messaging service?
Maret Family LLC will not charge you to send or receive messages with us. However, your individual cellular phone carrier’s messaging or data rates may apply.
How often will I receive messages from Maret Family LLC?
The frequency of messages will vary depending on our products and marketing campaigns. If you find the messages to be too frequent, you may opt out of messages by texting STOP to the number that you received from Maret Mortgage Brokers or by calling (480)529-0904 or emailing us at customerservice@MaretMB.com.
I sent an opt out request but have changed my mind. How do
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