1. Ryan Gelardi - Saxton Mortgage collects nonpublic personal information about you from the following sources:
    • Information received from you on applications or other forms;
    • Information about your transactions with Ryan Gelardi - Saxton Mortgage, Ryan Gelardi - Saxton Mortgage's affiliates, or others; and
    • Information received from a consumer reporting agency.
  2. Ryan Gelardi - Saxton Mortgage does not disclose any nonpublic personal information about its customers or former customers to anyone, except as described in this policy and as permitted by law.
  3. We may share your personal information with:
    • Lenders and Financial Institutions — To process your mortgage application and obtain approvals on your behalf. Only the information necessary for each lender's assessment is shared.
    • Affiliates — To better serve your financial needs. If you do not wish for us to share your information with our affiliates, you may contact us at any time.
    • Service Providers — Third-party platforms that assist in delivering our services (e.g., CRM platforms, communication tools) under confidentiality agreements. These providers are prohibited from using your information for any purpose other than providing services to us.
    • Regulatory Authorities — Where required by law or regulation.
    • Legal Requirements — Where disclosure is required by law, court order, or to protect the rights and safety of our clients or the public.
  4. We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.
  5. Ryan Gelardi - Saxton Mortgage restricts access to nonpublic personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.
  6. SMS/Text Messaging. By providing your phone number, you consent to receive text messages from Ryan Gelardi - Saxton Mortgage regarding your mortgage inquiries and related services. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for help or contact us at 858-945-0372. Your phone number and SMS opt-in consent will not be sold or shared with any third party for their own marketing purposes