PRIVACY POLICY

Effective date: July 23, 2026

This Privacy Policy explains how T.C. Strait (“we,” “us,” or “our”) collects, uses, and protects information associated with TCStrait.com (the “Website”).

Information We Collect

Information You Provide

We may collect information you voluntarily provide through contact forms, consultation requests, email, telephone calls, text messages, or other communications. This information may include:

Your name
Email address
Telephone number
General property or mortgage information
Preferred method of contact
Questions, comments, and other information you choose to provide

Please do not submit Social Security numbers, bank-account information, tax documents, credit reports, or other sensitive financial documents through ordinary Website contact forms or email. When sensitive information is required for a mortgage application, use the secure application system provided for that purpose.

Information Collected Automatically

When you visit the Website, certain technical information may be collected automatically, including:

Internet Protocol address
Browser and device type
Operating system
Referring website or source
Pages visited
Approximate geographic area
Date, time, and duration of visits
Website interactions and conversion events
Cookie and similar technology identifiers

This information helps us operate, secure, analyze, and improve the Website.

How We Use Information

We may use collected information to:

Respond to questions and requests
Provide requested mortgage information or assistance
Schedule or conduct consultations
Communicate by telephone, email, or text message
Provide educational content
Understand Website usage and performance
Improve Website content, navigation, and services
Maintain Website security and prevent abuse
Satisfy legal, regulatory, recordkeeping, and compliance obligations
Protect our rights and the rights of others

Providing information through the Website does not guarantee approval, preapproval, loan eligibility, financing, or any particular mortgage terms.

Cookies and Analytics

The Website may use cookies, pixels, tags, and similar technologies to support Website operation, remember preferences, measure traffic, understand visitor behavior, and evaluate the effectiveness of content and marketing.

We use Google Analytics or similar analytics services to collect aggregated information about Website activity. These services may use cookies or related technologies as described in their own privacy policies.

You may restrict or delete cookies through your browser settings. Blocking cookies may affect some Website features. Google also provides a Google Analytics opt-out browser add-on.

How We Share Information

We do not sell or rent personal information.

We may disclose information in the following circumstances:

Service providers: To companies that help operate the Website, manage communications, provide analytics, host data, schedule appointments, maintain security, prevent spam, or provide customer relationship management services.
Mortgage-related services: When reasonably necessary to respond to a request for mortgage assistance or provide a service you requested, information may be provided to an appropriate lender, mortgage company, loan-processing resource, or other transaction participant.
Legal and compliance purposes: When required by law, regulation, subpoena, court order, legal process, governmental request, or applicable mortgage-industry requirements.
Protection of rights: When reasonably necessary to detect fraud, prevent harm, enforce agreements, or protect our rights, safety, property, or users.
Business changes: In connection with a merger, acquisition, reorganization, transfer, or sale of business assets, subject to applicable legal requirements.
With your direction or consent: When you request or authorize the disclosure.

Service providers are permitted to use information only as necessary to perform their contracted services or satisfy applicable legal obligations.

Telephone, Email, and Text Communications

If you provide your contact information, we may contact you concerning your inquiry, requested services, appointments, mortgage information, or related follow-up.

If you consent to receive text messages:

Message frequency may vary.
Message and data rates may apply.
Reply STOP to opt out.
Reply HELP for assistance.
Consent to receive marketing text messages is not a condition of obtaining mortgage services.

Mobile telephone information and text-message consent will not be sold or shared with third parties or affiliates for their independent marketing or promotional purposes. Information may be provided to communications vendors and subcontractors solely as necessary to deliver and support requested messages.

You may unsubscribe from marketing emails by using the unsubscribe instructions included in the message or by contacting us.

Mortgage Applications and Third-Party Services

The Website may link to a secure mortgage application, scheduling service, lender platform, social network, embedded media provider, or another third-party service.

Information submitted directly through a third-party website or application is governed by that third party’s privacy policy and security practices. We encourage you to review those policies before submitting personal or financial information.

Links to third-party websites are provided for convenience and do not mean that we control or accept responsibility for their privacy practices.

Embedded Content

Pages or articles may contain embedded videos, images, maps, social-media posts, or other content supplied by third parties. Embedded content may behave as though you visited the third party’s website directly.

Those providers may collect technical information, place cookies, or measure your interaction with the embedded content according to their own privacy policies.

Data Retention

We retain personal information only for as long as reasonably necessary to:

Respond to inquiries
Provide requested services
Maintain business and communication records
Satisfy legal, regulatory, licensing, and compliance requirements
Resolve disputes
Protect against fraud or abuse
Enforce applicable agreements

Retention periods vary depending on the type of information, why it was collected, and applicable legal requirements.

Data Security

We use reasonable administrative, technical, and physical safeguards intended to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

No website, internet transmission, email system, or electronic storage method can be guaranteed to be completely secure. You should not send highly sensitive financial or identifying information through ordinary email, text message, or Website contact forms.

Your Choices and Rights

Depending on applicable law and the nature of our relationship, you may request that we:

Provide information about personal data we maintain about you
Correct inaccurate information
Delete information that is no longer required
Stop certain marketing communications
Explain how particular information has been used or disclosed

Some information may need to be retained for legal, regulatory, security, compliance, or legitimate business purposes.

To make a privacy request, use the TCStrait.com contact page. We may need to verify your identity before completing a request.

Children’s Privacy

The Website is intended for adults seeking mortgage information and is not directed to children under 13. We do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information through the Website, please contact us so that the information can be reviewed and, where appropriate, deleted.

Google API Data

We may use authorized connections to Google Search Console, Google Analytics, and Google Ads Keyword Planner for internal Website research and content planning. Information accessed may include aggregated search queries, Website and page performance, engagement metrics, events, and keyword-planning data.

This information is used only to analyze and improve TCStrait.com and its educational content. It is not used to make lending or credit decisions, create advertising audiences, conduct remarketing, or obtain borrowers’ personal financial records.

Google API credentials and imported research information are maintained in operator-controlled systems. Information may be processed by service providers supporting research, technology, security, or content operations, but is not sold or disclosed for those providers’ independent marketing purposes. It is retained only as reasonably necessary for these internal purposes.

Our use and transfer of information received from Google APIs will adhere to the Google API Services User Data Policy, including its Limited Use requirements.

Changes to This Policy

We may update this Privacy Policy to reflect changes in the Website, our services, technology, legal requirements, or privacy practices.

The current version will be posted on this page with a revised effective date. Continued use of the Website after an update constitutes acknowledgment of the revised policy.

Contact

Questions, requests, or concerns regarding this Privacy Policy may be submitted through the TCStrait.com contact page.

Website: https://tcstrait.com
Operator: T.C. Strait