This policy explains what information this website collects, how it is used, and the choices you have. It applies to edparcaut.com and the forms on it.
Information you provide
You share information only when you choose to. That includes your name, email address, phone number, and any details you add when you request a consultation, download a guide, send a message, or sign up for the newsletter. If you sign up for an alert about a book, the book you asked about is saved with your signup.
How the information is used
Information is used to respond to your request, to send the newsletter or updates you asked for, to provide the guides you requested, and to follow up about mortgage, speaking, or media conversations. Mortgage inquiries are handled in the course of licensed mortgage activity under NMLS 235384.
Email and messages
Newsletter signups require your agreement at the time you sign up. The date and wording of that agreement are recorded. Every newsletter includes a way to stop receiving it. You can also email ed@edparcaut.com to be removed at any time. If you have asked to stop receiving email, signing up again through this website will not silently restart those emails.
Text Messaging (SMS)
If you provide your mobile number and agree to receive text messages, Lending For Living, Inc (Loan Squad) will use it to respond to your inquiry, schedule calls, and send updates about your loan or request. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time or HELP for help. We do not sell, rent, or share your mobile number or SMS opt-in consent with third parties or affiliates for their marketing purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. See the SMS Terms & Conditions.
Service providers
This site uses third party services to host the website, store signups, deliver email, embed forms, play videos, and host podcast audio. These providers process information only to deliver those functions. Embedded content from other services, such as video players and form widgets, is governed by the privacy practices of those services.
Information that is not sold
Your information is not sold. It is not shared for unrelated marketing by other companies.
Cookies and site data
Basic cookies and similar technology may be used to keep the site working, remember preferences, and understand general usage. Embedded video and form services may set their own cookies when you interact with them. You can control cookies through your browser settings.
Meta Pixel, Google tag, LinkedIn Insight Tag and Microsoft Clarity
This site uses the Meta Pixel to measure visits and to show our ads on Facebook and Instagram to people who have visited the site. It also uses the Google tag for Google Analytics and Google Ads, to measure visits and to show our ads on Google.
It also uses the LinkedIn Insight Tag to measure our ads and to show our ads on LinkedIn to people who have visited the site.
It also uses Microsoft Clarity for session recordings and heatmaps, which show how visitors move through and click on pages. All text is masked in these recordings, and nothing typed into a form is recorded.
When these tools run, Meta, Google, LinkedIn and Microsoft may collect information about your browser and device, such as the pages you view, and may use cookies.
None of these tools ever runs on loan application or credit pages.
We never send your name, email address, phone number, financial information or form answers to Meta, Google, LinkedIn or Microsoft. When you send a form, Meta and Google only note that a form was sent.
To opt out of ads based on your visits, go to facebook.com/adpreferences for Meta, adssettings.google.com for Google and linkedin.com/psettings/guest-controls/retargeting-opt-out for LinkedIn. For Microsoft Clarity, see privacy.microsoft.com/privacystatement. Visitors in Europe and the UK see a cookie notice, and none of these tools runs for them unless they press Accept.
Security and retention
Reasonable safeguards are used to protect the information collected through this website. Information is kept as long as it is needed for the purpose you shared it, or as long as required for legal and regulatory reasons.
Your choices
You can ask what information is held about you, ask for a correction, or ask for removal. Email ed@edparcaut.com with your request.
Children
This website is intended for adults and is not directed to children.
Changes to this policy
This policy may be updated as the website or its services change. The current version is always posted on this page.
Contact
Ed Parcaut, Modesto, California. Phone (209) 528-0509. Email ed@edparcaut.com. NMLS 235384.