Privacy Policy

Bayou Mortgage ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website bayoumortgage.com (the "Site") or use our mortgage lending services.

By accessing or using our Site, you agree to the terms of this Privacy Policy. If you do not agree with the practices described here, please do not use our Site or services.

1. Information We Collect

Information You Provide Directly: When you fill out a form, request a quote, apply for pre-approval, or contact us, we may collect:

• Full name, email address, phone number, and mailing address
• Date of birth and Social Security Number (for loan applications)
• Employment and income information
• Credit history and financial account details
• Property information related to your mortgage inquiry
• Any other information you voluntarily provide through forms, phone calls, or email correspondence

Information Collected Automatically: When you browse our Site, we may automatically collect:

• IP address, browser type, operating system, and device information
• Pages viewed, links clicked, and time spent on our Site
• Referring URL and search terms used to reach our Site
• Location data (general geographic area based on IP address)

2. How We Use Your Information

We use the information we collect to:

• Process your mortgage application, pre-approval request, or quote inquiry
• Communicate with you about your loan status, account, or services
• Compare rates across multiple lenders on your behalf
• Verify your identity and prevent fraud
• Comply with federal and state lending regulations
• Improve our website, services, and customer experience
• Send marketing communications (with your consent, where required by law)
• Respond to your questions and provide customer support

3. Information Sharing & Disclosure

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Lending Partners: To process your mortgage application, we share necessary financial and personal information with lenders, underwriters, and loan servicers
• Service Providers: We work with third-party vendors who assist with website hosting, analytics, CRM, email delivery, and other operational services. These providers are contractually obligated to protect your data
• Legal Compliance: We may disclose information when required by law, regulation, court order, or governmental request
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction
• With Your Consent: We may share information for other purposes when you have given us explicit permission

4. Cookies & Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content. These may include:

• Essential Cookies: Required for the Site to function properly (e.g., form submissions, session management)
• Analytics Cookies: Help us understand how visitors use the Site (e.g., Google Analytics)
• Marketing Cookies: Used to deliver relevant advertisements and track campaign performance (e.g., Facebook Pixel, Google Ads)

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect your experience on our Site.

5. Data Security

We implement administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption of sensitive data during transmission, secure data storage, access controls, and regular security reviews.

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights & Choices

Depending on your location and applicable law, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to legal retention requirements
• Opt-Out: Unsubscribe from marketing emails at any time using the "unsubscribe" link in our emails or by contacting us directly
• Do Not Track: Our Site does not currently respond to "Do Not Track" browser signals

To exercise any of these rights, please contact us using the information provided below.

7. Third-Party Links

Our Site may contain links to third-party websites, including lender portals, real estate platforms, and social media pages. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party site you visit.

8. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

Bayou Mortgage
Phone: 337-476-2623
Website: bayoumortgage.com
Email: channing@bayoumortgage.com