Privacy Policy

1. Introduction

Pacific Home Appraiser and Pacific Rate ("we," "our," or "us") are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website or interact with our services.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, and property address when you submit an inquiry or loan application.
• Financial Information: Loan details, income, and credit information provided voluntarily for mortgage or appraisal services.
• Usage Data: Pages visited, time spent on pages, and browser type for analytics purposes.
• Social Media Interactions: If you comment on our Facebook or Instagram pages, we may process your public comment to respond to your inquiry.

3. How We Use Your Information

• To respond to your inquiries and provide appraisal or mortgage services
• To send you relevant information about our services
• To improve our website and customer experience
• To comply with legal and regulatory obligations
• To respond to your social media comments via automated AI-assisted replies

4. Social Media & Automated Responses

We use automated technology to respond to public comments on our Facebook and Instagram business pages. These automated responses are generated by AI and are intended to provide helpful information. We do not store private messages without your consent.

5. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share information with:

• Lending partners and lenders for mortgage processing purposes (with your consent)
• Service providers who assist in operating our website and business
• Regulatory authorities as required by law

6. Data Security

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of internet transmission is 100% secure.

7. Cookies

Our website may use cookies to enhance your browsing experience and gather analytics data. You can choose to disable cookies through your browser settings, though this may affect website functionality.

8. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications at any time

9. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date.