Privacy Policy

Lending Made Simple... Service Made Personal

Effective Date: November 7, 2025

This Privacy Policy describes how Jack Chattel Inc., doing business as The Mortgage Nut (“The Mortgage Nut,” “we,” “us,” or “our”) collects, uses, discloses, and safeguards information obtained through our website at themortgagenut.com (the “Website”) and related services (collectively, the “Services”).

This policy applies only to information collected through our Website and online services. For customers who have a financial product or service relationship with us, please also review our Consumer Privacy Notice, which provides additional disclosures required under the Gramm-Leach-Bliley Act (GLBA).

1. Our Commitment to Your Privacy

At The Mortgage Nut, we believe in making lending simple and service personal. That includes protecting your privacy.

This policy explains:

What information we collect and why
How we use and share that information
Your choices and rights regarding your data
How to contact us about privacy concerns

2. Information We Collect

We may collect information from you directly, automatically, and from third parties.

a. Personal and Loan-Related Information

Name, address, phone number, and email
Employment, income, and financial details
Loan application and transaction data
Social Security Number and identification (when applicable)

b. Transactional Information

Loan inquiries, applications, and communications

c. Device and Usage Information

IP address, browser type, device data
Pages viewed and activity on the Website

d. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience and analyze usage.

You may disable cookies through your browser settings.

3. How We Use Your Information

We use your information to:

Provide mortgage and lending services
Process applications and transactions
Communicate with you regarding your inquiry or loan
Improve our Website and services
Comply with legal and regulatory obligations
Provide marketing communications (you may opt out at any time)

4. SMS Communications and Consent

By providing your phone number through our Website or Services, you expressly consent to receive text messages (SMS and MMS) from The Mortgage Nut related to your inquiry, loan application, account updates, appointment reminders, and occasional promotional messages.

Message frequency varies based on your interaction with us
Message and data rates may apply
You can opt out at any time by replying STOP
For assistance, reply HELP

We will not send SMS messages without your consent, and consent is not a condition of purchasing any goods or services.

SMS Privacy:

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We do not sell, rent, or distribute your mobile information to any third parties.

5. How We Share Information

We may share your information:

With Service Providers

Third parties that assist with operations such as processing, hosting, marketing, and analytics.

With Business Partners

Lenders, investors, or partners necessary to fulfill your loan request.

For Legal Purposes

When required by law, regulation, or legal process.

Business Transfers

In the event of a merger, acquisition, or asset sale.

We do not sell your personal information.

6. Retention of Information

We retain personal information only as long as necessary to:

Fulfill the purposes described in this policy
Comply with legal obligations
Resolve disputes and enforce agreements

7. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

Know what personal information we collect
Request deletion of your data
Request correction of inaccurate data
Limit use of sensitive personal information
Not be discriminated against for exercising your rights

To submit a request:

Phone: (661) 505-2522
Email: info@themortgagenut.com
Mail: 28009 Smyth Drive, Suite 200, Valencia, CA 91355

8. Security

We maintain reasonable administrative, technical, and physical safeguards to protect your information.

However, no method of transmission over the internet is completely secure.

9. Third-Party Links

Our Website may contain links to external websites. We are not responsible for their privacy practices.

10. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

11. Contact Us

The Mortgage Nut
28009 Smyth Drive, Suite 200
Valencia, CA 91355

Email: info@themortgagenut.com
Phone: (661) 505-2522

Lending Made Simple. Service Made Personal.

Protecting your privacy is part of our commitment to you.