Privacy Policy

Effective Date: November 12, 2025

Refine Mortgage Inc. (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and share information when you visit https://refinemortgage.net/ (the “Site”) or communicate with us through any related digital, email, or SMS channel.

By using our Site, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the Site.

1. Information We Collect

We may collect the following types of personal information:

• Personal Data: Your name, email address, phone number, mailing address, and any other contact details you voluntarily provide.
• Financial Data: Payment information such as credit or debit card numbers, billing address, or related financial details when you purchase or request services.
• Automatically Collected Data: IP address, browser type, device information, referring URLs, and usage data automatically collected by our servers.
• Communication Data: Messages, emails, or SMS communications exchanged with us.

2. How We Use Your Information

We use your information to:

• Provide, operate, and improve our services.
• Process transactions and manage your account.
• Communicate with you about updates, offers, and important information.
• Send you text messages (SMS) related to your loan inquiry, applications, or updates — only with your explicit consent.
• Comply with legal obligations and protect our rights.

3. Sharing of Information

We may share your information with:

• Service Providers: Trusted vendors who assist in operating our business, such as hosting, data analysis, payment processing, and communication delivery.
• Legal Compliance: When required by law, to respond to subpoenas or protect rights and safety.

We do not sell or rent personal information. SMS consent is not shared with third parties or affiliates.

4. Data Security

We use administrative, technical, and physical safeguards to protect your data. However, please note that no online transmission is 100% secure, and we cannot guarantee absolute security.

5. Your Privacy Rights

Depending on your location, you may have the right to access, correct, or delete your personal information. To exercise these rights, contact us at info@refinemortgage.net.

6. Children’s Privacy

We do not knowingly collect or market to individuals under 13 years of age. If you believe we have inadvertently collected such data, please contact us immediately.

7. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be reflected by the “Effective Date” above. Continued use of our Site constitutes your acceptance of any updates.

8. Contact Us

If you have any questions about this Privacy Policy, please contact:

Refine Mortgage Inc.
Email: info@refinemortgage.net
Website: https://refinemortgage.net/

NMLS CONSUMER ACCESS WEBSITE | PRIVACY POLICY | TERMS OF SERVICE
Refine Mortgage has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Refine Mortgage for more information and up-to-date rates.