Ages Mortgage Privacy Policy
Effective Date: January 1, 2026
Ages Mortgage, LLC ("Ages," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website at agesmortgage.com (the "Website") or apply for our services through our third-party application portal.
By using our Website or services, you acknowledge the privacy practices described in this Privacy Policy.
Who We Are
Ages Mortgage, LLC is a mortgage lender based in Morristown, New Jersey (NMLS #27830), licensed to operate in 46 states. We provide mortgage lending services with a focus on guiding you through life's financial milestones.
Information We Collect
Information Collected on Our Website
Our Website does not directly collect personal information from you. However, we use analytics and tracking technologies to understand how visitors interact with our Website:
Analytics Information: We use Google Analytics and Microsoft Clarity to collect information about your use of our Website, including pages visited, time spent on pages, links clicked, device type, browser type, operating system, IP address, and general geographic location. This information is collected automatically and helps us improve our Website experience.
Cookies and Similar Technologies: We use cookies and similar tracking technologies to collect information about your browsing activity. Cookies are small data files stored on your device that help us analyze Website traffic and remember your preferences. You can control cookie settings through your browser preferences.
Information Collected Through Our Application Portal
When you apply for a mortgage through our third-party application portal, that portal collects and processes your personal and financial information. The information collected may include:
- Name, email address, phone number, and mailing address
- Social Security number and date of birth
- Employment information and income details
- Property information and desired loan details
- Credit history and financial information
- Bank account and asset information
- Other information necessary to process your mortgage application
Our third-party application portal operates under its own privacy policy. We work only with trusted partners who maintain appropriate security standards and comply with applicable privacy laws.
Information You Provide Directly
You may choose to provide us with personal information when you:
- Contact us via phone, email, or contact form
- Subscribe to our newsletter or updates
- Request information about our services
- Communicate with us through any channel
How We Use Your Information
We use the information we collect to:
- Provide and improve our Website and services
- Process your mortgage application and related services
- Respond to your inquiries and provide customer support
- Send you important updates about your application or account
- Analyze Website usage and improve user experience
- Send marketing communications (with your consent)
- Comply with legal and regulatory requirements
- Detect and prevent fraud or unauthorized activity
- Fulfill any other purpose disclosed to you at the time of collection
How We Share Your Information
Service Providers
We share information with trusted service providers who perform services on our behalf, including:
- Website hosting and maintenance providers (Webflow)
- Analytics providers (Google Analytics, Microsoft Clarity)
- Application processing platforms
- Credit reporting agencies
- Title companies and appraisal services
- Email and communication service providers
- Technology and security service providers
These service providers are contractually obligated to use your information only as necessary to provide their services to us and to maintain appropriate security measures.
Business Partners
In the course of processing your mortgage application, we may share your information with:
- Mortgage investors and servicers
- Government agencies (such as FHA, VA, or USDA)
- Title insurance companies
- Real estate professionals you designate
- Other third parties necessary to complete your transaction
Legal Requirements
We may disclose your information when required by law, including:
- In response to subpoenas, court orders, or legal processes
- To comply with federal and state mortgage lending regulations
- To protect our rights, property, or safety, or that of our users or others
- In connection with fraud prevention or security investigations
Business Transfers
If Ages Mortgage is involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.
Analytics and Advertising
Google Analytics
We use Google Analytics to understand how visitors use our Website. Google Analytics collects information such as how often users visit the Website, what pages they visit, and what other sites they used prior to visiting our Website. We use this information to improve our Website and services.
Google Analytics collects only the IP address assigned to you on the date you visit the Website, not your name or other identifying information. We do not combine the information collected through Google Analytics with personally identifiable information.
You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on at https://tools.google.com/dlpage/gaoptout.
Microsoft Clarity
We use Microsoft Clarity to understand how users interact with our Website through behavioral metrics, heatmaps, and session recordings. Clarity collects information about your device, browsing behavior, and interactions with our Website to help us identify usability issues and improve the user experience.
Microsoft Clarity operates under Microsoft's privacy policy. You can learn more about how Microsoft collects and uses this information at https://privacy.microsoft.com/en-us/privacystatement.
Cookie Management
You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete cookies. However, blocking or deleting cookies may impact your experience on our Website and limit certain functionality.
To learn more about cookies and how to manage them, visit www.aboutcookies.org or www.allaboutcookies.org.
Data Security
We implement reasonable administrative, technical, and physical security measures to protect your information from unauthorized access, use, or disclosure. However, no internet transmission or electronic storage system is completely secure. While we strive to protect your information, we cannot guarantee its absolute security.
Our third-party service providers are required to maintain appropriate security standards to protect your information.
Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.
For mortgage applications and closed loans, we are required by federal and state law to retain certain information for specific time periods, typically ranging from 3 to 7 years after the loan closes or the application is withdrawn.
Your Privacy Rights
Communication Preferences
If you receive marketing communications from us, you can opt out at any time by:
- Clicking the "unsubscribe" link in any marketing email
- Contacting us at the information provided below
- Updating your communication preferences in your account (if applicable)
Please note that even if you opt out of marketing communications, we may still send you important transactional or service-related messages.
Access and Correction
You have the right to request access to the personal information we hold about you and to request correction of any inaccurate information. To make such a request, please contact us using the information provided below.
Do Not Track Signals
Some browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not want your online activity tracked. Our Website currently does not respond to DNT signals. However, you can manage cookies and tracking technologies through your browser settings.
State-Specific Privacy Rights
Residents of certain states have additional privacy rights under state law. This section provides information for residents of states with comprehensive privacy laws.
California Residents
If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information:
Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you, the sources from which we collected it, our business purposes for collecting it, and the categories of third parties with whom we share it.
Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
Right to Correct: You have the right to request correction of inaccurate personal information.
Right to Opt-Out: You have the right to opt out of the "sale" or "sharing" of your personal information for cross-context behavioral advertising.
Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.
To exercise these rights, please contact us at privacy@agesmortgage.com or call us at (973) XXX-XXXX. We will verify your identity before processing your request.
California Shine the Light Law: California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided below.
Other State Residents
If you are a resident of Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have similar rights under your state's privacy law. These rights may include:
- The right to confirm whether we process your personal information
- The right to access your personal information
- The right to correct inaccuracies in your personal information
- The right to delete your personal information
- The right to obtain a copy of your personal information
- The right to opt out of targeted advertising
- The right to opt out of the sale of personal information
To exercise these rights, please contact us using the information provided below.
Children's Privacy
Our Website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child without appropriate parental consent, we will delete that information promptly.
Third-Party Websites
Our Website may contain links to third-party websites or services that are not operated by us. This Privacy Policy does not apply to third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make changes, we will update the "Effective Date" at the top of this policy. We encourage you to review this Privacy Policy periodically.
If we make material changes to how we use personal information, we will notify you by posting a prominent notice on our Website or by sending you an email (if we have your email address).
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:
Ages Mortgage, LLC
Email: privacy@agesmortgage.com
Phone: (888) 415-3957
NMLS #27830
Federal Privacy Notice (Gramm-Leach-Bliley Act)
Facts: What Does Ages Mortgage Do With Your Personal Information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Credit history and credit scores
- Account balances and payment history
- Employment information and assets
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Ages Mortgage chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Ages Mortgage share?Can you limit this sharing?For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNoFor our marketing purposes — to offer our products and services to youYesNoFor joint marketing with other financial companiesNoWe don't shareFor our affiliates' everyday business purposes — information about your transactions and experiencesNoWe don't shareFor our affiliates' everyday business purposes — information about your creditworthinessNoWe don't shareFor our affiliates to market to youNoWe don't shareFor non-affiliates to market to youNoWe don't share
Questions?
Call (973) XXX-XXXX or email privacy@agesmortgage.com
Who We Are
Who is providing this notice? Ages Mortgage, LLC (NMLS #27830)
What We Do
How does Ages Mortgage protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Ages Mortgage collect my personal information? We collect your personal information, for example, when you:
- Apply for a loan or provide employment information
- Provide income information or give us your contact information
- Show your government-issued ID or provide account information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes — information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. Ages Mortgage does not share with affiliates.
Non-affiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. Ages Mortgage does not share with non-affiliates so they can market to you.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Ages Mortgage doesn't jointly market.