Effective Date: July 30, 2025

Introduction
With Kimberly Capizzi's Mortgage Team, protecting your privacy is a top priority. As a trusted mortgage loan advisor with over two decades of experience, Kimberly Capizzi and her affiliated company, United American Mortgage, are committed to maintaining the confidentiality and security of your personal information. This Privacy Policy outlines how we collect, use, protect, and share your information when you visit our website or engage with our services.

Types of Information Collected
We may collect the following categories of personal information from you:

• Full name
  
• Email address
  
• Phone number
  
• Property address
  
• Employment and income details
  
• Social Security number (when necessary for loan applications)
  
• Credit history and financial information
  
• IP address and device/browser information
  

Method of Information Collection
We collect personal information through the following methods:

• Online forms you fill out on KimberlyCapizzi.com (e.g., contact forms, loan inquiry forms)
  
• Email or phone correspondence initiated by you
  
• Cookies and similar technologies that track website activity
  
• Information provided during consultations or prequalification processes
  

Purpose of Data Collection
We collect and use your information for the following business purposes:

• To respond to inquiries and provide personalized mortgage financing options
  
• To assess eligibility for residential and commercial loan products
  
• To streamline the loan application and underwriting process
  
• To communicate updates, promotions, or industry insights with your consent
  
• To comply with regulatory requirements and maintain legal documentation
  

Data Security Measures
We implement administrative, technical, and physical safeguards to protect your data, including:

• Secure Sockets Layer (SSL) encryption for data transmission
  
• Access controls and user authentication for internal systems
  
• Data storage with trusted third-party platforms that adhere to compliance standards such as GLBA and CCPA
  
• Regular review of security practices and training for team members
  

Data Sharing
We do not sell your personal data. However, your information may be shared under the following circumstances:

• With affiliated lenders, processors, underwriters, or title/escrow companies as necessary to fulfill a loan transaction
  
• With regulatory authorities or law enforcement agencies as required by law
  
• With third-party service providers who assist with website hosting, email communications, CRM, or marketing only under strict confidentiality agreements
  
• With your consent, to connect you with professionals such as real estate agents or insurance providers
  

SMS Communications Disclaimer
By providing your mobile number and opting in to receive SMS messages, you consent to receive transactional, promotional, and service-related text messages from KimberlyCapizzi.com and United American Mortgage. Message and data rates may apply depending on your mobile carrier.

• You may opt out of receiving SMS messages at any time by replying STOP to any message.
  
• For help, reply HELP or contact us directly using the information below.
  
• Mobile Opt-In, SMS consent and phone numbers collected for SMS communication purposes will not be shared with third parties and affiliates for marketing purposes.

User Rights
You have the right to:

• Access the personal data we have collected about you
  
• Request corrections to any inaccurate or incomplete information
  
• Request deletion of your data, subject to regulatory or legal retention obligations
  
• Opt out of marketing communications, including SMS, at any time
  

To exercise any of these rights, please contact us using the information below.

Contact Information
For questions, requests, or concerns regarding this Privacy Policy or your data, please contact:

Kimberly Capizzi
Senior Mortgage Loan Advisor
United American Mortgage
Email: kcapizzi@uamco.com
Phone: (714) 908-8800
Website: www.kimberlycapizzi.com

SMS Terms & Conditions

1- SMS Consent Communication:

The information Phone Numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2- Types of SMS Communications:

If you have consented to receive text messages from Kimberly Capizzi's Team, you may receive messages related to the following (keep the bullet points you consider that you will use):

• Follow-up messages
• Scheduling
• Updates

3- Message Frequency:

Message frequency may vary depending on the type of communication. For example, you may receive up to 3 SMS messages per week related to your [scheduling/follow-up messages, etc.].

4- Potential Fees for SMS Messaging:

Please note that standard message and data rates may apply, depending on your carriers pricing plan. These fees may vary if the message is sent domestically or internationally.

5- Opt-In Method:

You may opt-in to receive SMS messages from Kimberly Capizzi's Team in the following way:

• By submitting an online form

6- Opt-Out Method:

You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

7- Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us by calling (714) 908-8800.

8- Standard Messaging Disclosures:

• Message and data rates may apply.
• You can opt out at any time by texting "STOP."
• For assistance, text "HELP" or visit our Privacy Policy/Terms and Conditions page.
• Message frequency may vary