Privacy Policy

This website is operated by Lynn Arce, a licensed Mortgage Loan Originator (MLO NMLS# 2487431) with NEXA Mortgage, LLC (NMLS #1660690) and a licensed Realtor® DRE#02055872 with eXp Realty. You are under no obligation to use both services. This Privacy Policy explains how your information is collected, used, and protected.

1. Information We Collect

We collect personal information you voluntarily provide when using this website. This may include:

Your name, phone number, and email address
Property, loan, or financial information you submit through calculators or forms
Technical data such as your IP address, browser type, and device information via cookies

Use of AI Tools (Chatbase powered by ChatGPT)

We use an AI-powered chatbot on our website, built with Chatbase and powered by OpenAI’s ChatGPT. This tool is designed to assist users by answering questions, offering guidance, and helping explain mortgage-related topics.

When you interact with the chatbot, the content you enter may be processed by third-party services to generate a response. This may include personal or financial information you voluntarily submit. These interactions are subject to OpenAI and Chatbase’s privacy policies, and we recommend you avoid submitting sensitive personal information through the chatbot.

The use of this AI feature is intended for informational purposes only and should not be considered financial, legal, or professional advice. You should always consult a licensed professional for personalized guidance.

2. How Your Information Is Used

We use your information to:

Respond to your questions or schedule consultations
Help evaluate your loan or real estate needs
Send emails (only if you’ve opted in)
Meet legal and regulatory requirements

3. Mortgage Tools & Calculators Disclaimer

Any refinance analyzer, mortgage calculator, or estimator on this site is for informational purposes only. These tools are not a guarantee of approval, not an offer to lend, and do not substitute for personalized financial advice.

Results are estimates based on limited user input and should not be the only basis for your decisions. Please consult a licensed mortgage professional for tailored guidance.

4. How We Share Information

We do not sell your personal information. However, we may share your data with:

NEXA Mortgage, LLC, to comply with licensing and auditing rules
Email or form services (e.g., Mailchimp, Formspree) used to contact you securely
Legal or regulatory authorities if required

5. Email & Marketing Communication

If you sign up for updates or request results by email, you may receive occasional emails from Lynn. You can unsubscribe at any time via the link in those emails.

We never send spam and will only contact you if you’ve expressed interest.

6. Cookies & Tracking

This website may use cookies or similar technologies to improve user experience, analyze traffic, or remember your preferences. You may disable cookies through your browser settings if desired.

7. Data Security

We take your privacy seriously. All personal information is transmitted over secure, encrypted connections (SSL), and we follow best practices to protect it from unauthorized access.

8. Your Rights

Depending on where you live, you may have rights such as:

Accessing or correcting your data
Requesting deletion of your data
Withdrawing consent to future communication

To exercise your rights, please contact: [your@email.com]

9. Children’s Privacy

This website is not intended for children under the age of 13. We do not knowingly collect personal information from children.

10. NEXA Mortgage Corporate Compliance

As a licensed MLO with NEXA Mortgage, I operate under strict federal and state regulations, including fair lending, data security, and ethical communication. Learn more about NEXA Mortgage at https://www.nexamortgage.com.

11. Contact

Lynn Arce
Mortgage Loan Originator | NMLS #2487431
NEXA Mortgage, LLC | NMLS #1660690
Realtor® | eXp Realty

DRE# 02055872 | 01878277
Email: larce@nexamortgage.com
Phone: (209) 740-8956

Note: You are under no obligation to use Lynn as your loan officer or real estate agent. This information is provided to empower you with knowledge and options — no pressure, just support.