Effective date: September 7, 2026
This Privacy Policy explains how HELOC Expert (“HELOC Expert,” “we,” “us,” or “our”) collects, uses, discloses, and protects information when you visit this website, use our calculators or educational resources, request information about home-equity or mortgage products, download HELOC Expert Magazine, or otherwise interact with us.
By using this website, you acknowledge the practices described in this Privacy Policy. This policy applies to information collected through this website and related online forms. If a separate privacy notice is provided in connection with a particular financial product or service, that notice may govern information covered by that notice.
1. Information We Collect
We may collect information that you provide directly to us, including:
- First and last name;
- Email address and telephone number;
- Property occupancy or borrower type, such as homeowner, investor/DSCR borrower, or veteran homeowner;
- Estimated property value, current mortgage balance, desired loan amount, product interest, and financing purpose;
- Information submitted through the “Request My Options” form, magazine-download forms, contact forms, or similar forms;
- Communications you send to us and information you provide when speaking with a loan professional.
We may also automatically collect technical and usage information, such as IP address, browser type, device type, operating system, referring page, pages viewed, dates and times of visits, approximate geographic information derived from an IP address, and interactions with site features. We may collect this information through cookies, pixels, analytics tools, server logs, and similar technologies.
2. Information We Do Not Intend to Collect Through General Website Forms
Unless a secure application specifically requests it, please do not submit Social Security numbers, bank-account credentials, passwords, full credit-card numbers, or other highly sensitive financial credentials through ordinary website contact or download forms.
3. How We Use Information
We may use information to:
- Respond to requests for information, quotes, or contact from a loan professional;
- Route an inquiry to an appropriate loan officer, lender, broker, service provider, or other professional based on property type, occupancy, location, product interest, or other information provided;
- Send requested publications, including HELOC Expert Magazine;
- Send transactional or service communications relating to a request;
- Provide, maintain, personalize, and improve the website, calculators, educational materials, and user experience;
- Measure website traffic, content performance, and marketing effectiveness;
- Detect fraud, abuse, security incidents, and technical problems;
- Comply with legal, regulatory, licensing, recordkeeping, audit, or enforcement obligations;
- Protect our rights, users, business partners, and the public.
4. How We May Disclose Information
We may disclose information when reasonably necessary to respond to your request or operate the website, including to:
- Loan officers, mortgage brokers, lenders, banks, credit unions, investors, or other financing providers that may be able to evaluate or respond to your request;
- Website hosting, email, customer relationship management, analytics, security, communications, data-storage, and other technology or professional service providers;
- Affiliates or business partners involved in providing or supporting requested services;
- Government agencies, regulators, courts, law enforcement, or other parties when required or permitted by law;
- A successor or other party involved in a merger, financing, acquisition, reorganization, sale of assets, or similar business transaction.
Submitting a request does not guarantee that a lender or loan officer will contact you, that a particular product is available, or that you qualify for financing.
5. Communications and Consent
If you provide an email address or telephone number, we may use that information to respond to the request you made. Any consent to receive marketing calls, text messages, or emails is governed by the disclosure presented with the applicable form and by applicable law. Consent to marketing communications is not a condition of purchasing goods or services unless expressly permitted by law.
You may opt out of marketing emails by using the unsubscribe method provided in the message, if applicable. For text messages, follow the opt-out instructions in the message. Transactional or legally required communications may still be sent.
6. Cookies and Analytics
We may use cookies and similar technologies to remember preferences, maintain website functionality, understand how visitors use the site, measure campaigns, prevent fraud, and improve content. Your browser may allow you to block or delete cookies. Some site features may not work as intended if cookies are disabled.
Third-party analytics, advertising, or embedded-content providers may collect information according to their own privacy policies. Where required by applicable law, we will provide or honor legally required choices regarding certain tracking technologies.
7. Calculators and Educational Tools
Information entered into calculators may be processed in your browser or by website systems to generate an estimate. Calculator results are educational estimates only and are not credit decisions, disclosures, approvals, commitments to lend, or guarantees of rates, terms, savings, tax treatment, or eligibility.
8. Data Retention
We retain information for as long as reasonably necessary for the purposes described in this policy, including responding to inquiries, maintaining business and compliance records, resolving disputes, enforcing agreements, preventing fraud, and satisfying legal or regulatory requirements. Retention periods may vary by the nature of the information and applicable obligations.
9. Security
We use reasonable administrative, technical, and organizational safeguards designed to protect information. No website, transmission, or storage system can be guaranteed to be completely secure, and we cannot guarantee absolute security.
10. Your Privacy Rights
Depending on where you reside, applicable state law may provide rights concerning personal information, which can include rights to request access, correction, deletion, portability, or information about certain disclosures, and rights to opt out of certain targeted advertising, sales, or sharing as those terms are defined by applicable law.
To submit a privacy request, contact us at info@helocexpert.com. We may need to verify your identity before completing a request. We will not unlawfully discriminate against you for exercising an applicable privacy right. Certain information may be exempt from state privacy laws, including information regulated under federal or state financial-privacy laws.
11. Financial Privacy
Certain information collected or processed in connection with a financial product or service may be subject to financial-privacy laws or a separate privacy notice. This website Privacy Policy is not intended to replace any privacy notice that a financial institution, mortgage lender, broker, or other regulated entity is required to provide under the Gramm-Leach-Bliley Act or other applicable law.
12. Children’s Privacy
This website is intended for adults and is not directed to children under 13. We do not knowingly seek to collect personal information from children through this website.
13. Third-Party Websites
The website may link to third-party websites or services. We are not responsible for the privacy, security, content, or practices of third parties. Review the policies of any third-party site before providing information.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The current version will be posted on this page with the effective date shown above. Material changes may be communicated in another manner when required by law.
15. Contact Us
Questions or privacy requests may be sent to info@helocexpert.com.
Karpata Media Group, 15331 W Bell Rd, Suite 212 Surprise, AZ 85374