Privacy Policy

Northlight Mortgage respects your privacy. This Privacy Policy explains, at a general level, how information may be collected, used, disclosed, and stored when you access northlight-mortgage.com or interact with its pages, calculators, and advertising placements.

Information we may collect

We may collect non-personal information such as browser type, device type, pages visited, approximate location based on IP address, referring pages, session timing, and general site-interaction data. If you email us directly, we may also receive the information you voluntarily include in your message.

Calculator inputs

The affordability calculator is designed to run in the browser for educational use. Inputs you type into the calculator are intended for on-page functionality and should not be treated as a secure financial application workflow. Do not enter Social Security numbers, account numbers, or other sensitive information into any site field.

Cookies and similar technologies

Northlight Mortgage and its service providers may use cookies, pixels, local storage, and similar technologies to remember preferences, measure page performance, analyze traffic, improve content, and support advertising delivery.

Google AdSense and advertising disclosures

This site may use Google AdSense or similar advertising technologies. Google and advertising partners may use cookies to serve ads based on your visits to this site and other sites. These cookies can be used to personalize advertising, measure performance, limit repetitive ads, and report campaign results. You can learn more about how Google uses information in advertising technologies through Google’s published privacy resources and ad controls.

CCPA notice for California residents

If you are a California resident, you may have rights under the California Consumer Privacy Act and related California privacy laws, including rights to know about categories of personal information collected, request deletion of personal information under certain circumstances, correct certain information where applicable, and limit certain uses or disclosures where required by law. To submit a privacy-related request, contact the site through the contact information provided on the Contact page.

GDPR notice for EEA and UK users

If you are located in the European Economic Area or the United Kingdom, you may have rights under applicable data-protection laws, including rights of access, correction, erasure, restriction, objection, and data portability where applicable. The legal basis for processing may include consent, legitimate interests, or compliance with legal obligations depending on the specific activity involved.

Third-party links and embedded content

Pages on this site may link to third-party websites or embed third-party content. Those third parties operate under their own privacy policies and practices. Northlight Mortgage is not responsible for the privacy practices of third-party sites, tools, or advertisers.

Data retention

We may retain information for as long as reasonably necessary to operate the site, respond to messages, comply with legal obligations, resolve disputes, and enforce site policies.

Children’s privacy

This website is not directed to children under 13, and it is not intended for the knowing collection of personal information from children.

Security

Reasonable administrative and technical measures may be used to protect information, but no website or transmission system can be guaranteed fully secure.

Changes to this policy

This Privacy Policy may be updated from time to time. Continued use of the site after changes are posted indicates acceptance of the updated policy.