1. Overview
This Privacy Policy explains how CKEXPERTS ("we," "us") collects, uses and protects personal information submitted through our website and partner referral form. By using the website or submitting a referral, you agree to the practices described here.
2. Information we collect
From referral partners: your name, company or brokerage, email address, phone number and professional role.
About referred clients: the client's name, phone number, email address, state, estimated credit score range, target purchase timeline, the services they may need, and any notes you provide about their situation.
Automatically: basic technical information such as IP address, browser type, pages visited and the date and time of your visit, which our hosting provider may collect to operate and secure the website.
3. How we use information
- To contact referred clients about our credit, debt, debt-to-income and down payment services.
- To evaluate a client's situation and recommend a plan, if they choose to work with us.
- To send referring partners confirmations and progress updates, where the client permits.
- To operate, maintain, secure and improve the website.
- To comply with legal obligations and enforce our Terms and Conditions.
4. Calls, emails and text messages
With consent given through the referral form, we may contact partners and referred clients by phone, email and text message. Message and data rates may apply. You can opt out of texts at any time by replying STOP, and you can ask us to stop calls or emails at any time. We do not sell or share mobile numbers or text messaging consent with third parties for their marketing purposes.
5. How we share information
We do not sell personal information. We share information only:
- With service providers who help us run our business, such as website hosting, form processing, email and communication tools, under obligations to protect it.
- With the referring partner, limited to referral status and progress updates the client permits.
- With lenders, assistance programs or other third parties when the client asks us to, as part of the services they request.
- When required by law, legal process or to protect our rights, our users or others.
- In connection with a merger, acquisition or sale of assets, subject to this Policy.
6. Cookies
This website does not use advertising or tracking cookies. Our hosting and font providers may use technically necessary data, such as server logs, to deliver the website.
7. Data security and retention
We use reasonable administrative, technical and physical safeguards to protect personal information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. We keep information only as long as needed for the purposes described above or as required by law.
8. Your choices and rights
You may ask us to access, correct or delete personal information we hold about you, or to stop contacting you. Depending on where you live, you may have additional rights under state privacy laws. We will not discriminate against you for exercising these rights.
9. Children's privacy
Our Services are not directed to children under 18, and we do not knowingly collect personal information from them.
10. Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date above shows when it was last changed.
11. Contact
To make a privacy request or ask a question about this Policy, contact CKEXPERTS through the contact information provided by our team.