This Privacy Policy describes how Fernando Armenta Perez, a licensed mortgage loan originator (NMLS #2159334) operating under Barrett Financial Group, L.L.C. (NMLS #181106) ("we," "us," or "our"), collects, uses, shares, and protects information when you visit {armentahomeloans.com, fernandoarmenta.com, barrettfinancial.com, and workwithfer.com} (the "Site"), submit a form, call or text us, or otherwise interact with our services. This Policy supplements the Barrett Financial Group Privacy Statement, which governs information collected in connection with mortgage applications and the lending relationship.

By using the Site or submitting your information to us, you acknowledge that you have read and understood this Policy.

1. Information We Collect

Information you provide directly

We collect nonpublic personal information you provide on applications, intake forms, contact requests, surveys, by telephone, by text message, in face-to-face meetings, or via the Site. Examples include:

- Identifiers such as your name, mailing address, email address, and telephone number (including mobile number);

- Financial information such as Social Security number, income, employment, credit history, and assets, when provided in connection with a mortgage inquiry or application;

Information about your transactions, including payment history, account balances, and account activity;

- Communications you send us, including SMS/text messages, voicemail, and email.

Information from third parties

We receive information about you from consumer reporting agencies (credit score, credit reports, and other information relating to your creditworthiness), and from employers and others to verify information you have given to us (verifications of employment, income, or deposits).

Information collected automatically

When you visit the Site, we and our service providers may automatically collect IP address, browser type, device information, pages visited, referring URLs, and similar usage data through cookies and similar tracking technologies, including Google Analytics and Google Ads. We may also collect advertising identifiers, including Google Click Identifiers (GCLID) and campaign parameters (such as UTM values), to measure how users arrive at the Site and the effectiveness of our advertising. We may use Meta Pixel and Google Ads features to measure ad performance, analyze user behavior, and deliver interest-based advertising.

We do not collect sensitive financial information through these tracking technologies; that information is only collected directly from you through secure forms.

2. How We Use Your Information

We use the information we collect to:

- Respond to your inquiry and provide the products, services, or information you request;

- Originate, process, underwrite, and service mortgage loans and related products;

- Communicate with you by phone, email, and SMS/text message about your inquiry, application, loan status, or account;

- Verify your identity and prevent fraud;

- Comply with applicable laws, regulations, and licensing requirements;

- Improve the Site, our marketing, and our services;

- Send you marketing communications you have consented to receive (which you may opt out of at any time).

3. SMS / Text Messaging Program

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
All of the categories described in this Privacy Policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

When you provide your mobile phone number and expressly opt in (for example, by checking a consent box on a form, replying to confirm enrollment, or otherwise affirmatively agreeing), you consent to receive SMS/MMS text messages from us related to your inquiry, application, loan status, appointment reminders, and, where you have separately agreed, marketing or promotional content.

Message frequency: Message frequency varies based on your interaction with us.

Message and data rates may apply. Charges from your wireless carrier are your responsibility.

Opt out: You can opt out at any time by replying STOP to any message. You will receive a one-time confirmation that you have been unsubscribed.

Help: Reply HELP to any message for assistance, or contact us at the information below.

Carrier disclaimer: Wireless carriers are not liable for delayed or undelivered messages.

Supported carriers: AT&T, T-Mobile, Verizon Wireless, Sprint, U.S. Cellular, and most other major U.S. carriers.

Your opt-in to receive text messages is not a condition of obtaining any product or service from us. Full terms governing our SMS program are available in our SMS Terms of Service.

4. How We Share Your Information

We treat your information as confidential within our firm and require strict adherence by all our employees to data protection and confidentiality policies. We may share your information only as follows:

With Barrett Financial Group and its affiliates as necessary to evaluate, process, and service your mortgage inquiry or loan, consistent with the Barrett Financial Group Privacy Statement and the Gramm-Leach-Bliley Act;

With service providers and partners supporting our business operations (such as CRM, hosting, document management, e-signature, marketing analytics, and advertising platforms), subject to confidentiality obligations;

With consumer reporting agencies and verification providers in connection with a mortgage application you have authorized;

With advertising and analytics partners such as Google and Meta, for the limited purposes described in Section 1 above — this category expressly excludes mobile phone numbers and SMS opt-in data, which are never shared for marketing purposes;

To comply with the law or respond to lawful requests, subpoenas, or legal process, or to protect our rights, property, or safety, or the rights, property, or safety of others.

We do not sell your personal information.

5. Cookies and Tracking Technologies

The Site uses cookies and similar technologies as described in Section 1. You can manage cookie preferences through your browser settings. You can also opt out of certain advertising practices through third-party tools, including:

Google Ads Settings: https://adssettings.google.com

Digital Advertising Alliance: https://www.aboutads.info/choices

6. Your Rights and Choices

For all visitors

You may opt out of marketing emails at any time by clicking the unsubscribe link in any email you receive from us. You may opt out of SMS messages at any time by replying STOP. You may request that we update or correct your information by contacting us.

For California residents

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including:

- The right to know what personal information we collect, use, and share about you;

- The right to request access to or deletion of your personal information;

- The right to correct inaccurate personal information;

- The right to opt out of the sharing of personal information for cross-context behavioral advertising;

- The right to non-discrimination for exercising your rights.

These rights are subject to applicable exceptions, including for information governed by the Gramm-Leach-Bliley Act. To make a request, contact us at the information below, or email [email protected].

7. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Children's Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us so we can delete it.

9. Third-Party Links

The Site may contain links to other websites that are not governed by this or any other privacy statement of ours. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy statements of any third-party sites you visit.

10. Changes to This Policy

We reserve the right to amend (that is, add to, delete, or change) the terms of this Privacy Policy from time to time. The "Last Updated" date at the top of this Policy reflects when changes were last made. Your continued use of the Site after changes are posted means you accept the updated Policy.