Because I value your patronage, I want to address any privacy concerns you may have.  To that end, I have set forth my privacy policy for handling the information you share with online.  I want your decision to do business with me to be an informed one.

1.   Collecting Information

When you visit my Website, I may collect information about you that you voluntarily choose to share with us.  This identification information may include, but is not limited to, your name, your physical address, your email address, your telephone and fax numbers, details of your real estate and lending needs and preferences, and other details of your life.

What may be less obvious to you is that, when you visit my Website, I may collect data involving your usage through the use of “cookies” (i.e. small text files placed on your computer by a Website), Web server logs, and other Web tools.  This technology may allow me to customize your online experience.  The tracking data I collect may include, but is not limited to, the date and time you visit, your browser type, and other basic information.  You may deactivate cookies if you do not want your browsing to be tracked, but doing so may hinder your online experience.

When visiting my Website, you may be directed, through hyperlinks, to other Websites that are beyond the control of  Furthermore, when you are visiting my Website, other companies, such as third party advertisers and sponsors, may be gathering information about you.  This Privacy Policy does not cover the collection of information by those other companies and Websites.  Although I encourage third parties to provide their own privacy policies, I am not responsible for their activities, such as how they handle the information they collect online.

2.   Using Information Collected

I primarily use the identification information you voluntarily share with me to customize your online experience and to do what you have asked of  I also use your identification information to tell you about my services, but you may instruct me not to send communications to you by following the procedure indicated below under “Contacting Me.”  On occasion, I use your identification information to validate your identity.  As for usage tracking data, I primarily use that information to operate and improve my Website, and to further my marketing efforts.

As a general rule, I do not share your information with third parties.  I may, however, share your information with my own personnel and my service providers to the extent necessary to fulfill your requests.  I reserve the right to disclose your information under limited circumstances, such as to cooperate with law enforcement or judicial authorities as required by law or legal process, to protect my own legal rights, or to protect the public good.

Whenever you are online, you run the risk that the information you give out will fall into the wrong hands.  Although I implement and maintain reasonable security procedures and practices to safeguard your privacy, I cannot guarantee the security of any information you provide to us.  I accept no responsibility or liability for the activities of third parties.

3.   Updating Information

If you would like to review the information about you that I have collected through my Website, or to change that information, you can make that request by following the procedure indicated below under “Contacting Us.”  I may require that you verify your identity before I process your request.

4.   Updating My Privacy Policy

I may, from time to time, change my Privacy Policy.  I will notify you of any changes by posting my updated Privacy Policy on my Website and inserting a new “Effective Date.”

5.   Contacting Us

If you would like to send us a request as indicated above, or if you have any other questions or concerns regarding my Privacy Policy, you may contact me by email at or call me at 435-688-7535

6.   Effective Date: This Privacy Policy is effective as of 1 January 2016.