Privacy Policy

Who we are

This website, moreflowmortgage.com, is operated by Christopher Hovenier, a mortgage loan originator (NMLS #1404324) with E Mortgage Capital, Inc. (NMLS #1416824), 3750 S Susan Street, Santa Ana, CA 92704. In this policy, "we," "us" and "our" mean Christopher Hovenier and E Mortgage Capital, Inc. as they operate this website. You can verify our licenses at NMLS Consumer Access.

Information we collect

Information you give us. When you submit a form, call, or email us, we collect what you provide: your name, phone number, email address, the type of loan you are interested in, anything you write in the message box, and a record that you gave consent to be contacted.

Information collected automatically. When you visit the site, our analytics service collects technical and usage information such as your browser and device type, approximate location derived from your network connection, the pages you view, the website that referred you, how long you stay, and whether you tap a phone or email link. This is collected using cookies and similar technologies.

What we do not collect here. Please do not enter your Social Security number, bank account numbers, or other sensitive financial details into the forms on this website or send them by regular email. If you apply for a loan, application information is collected through E Mortgage Capital's secure application process.

How we use your information

• To respond to your inquiry and provide information about loan options
• To contact you about your request, as described in the section on calls and texts below
• To understand how the site is used and to improve it
• To prevent spam, fraud and misuse of the site
• To meet legal, licensing and regulatory obligations

Calls, texts and email

By checking the consent box and submitting a form, you agree that we may contact you about your inquiry by phone, text message and email at the number and address you provided. Consent is not a condition of obtaining a loan or any other service. Message and data rates may apply. You can opt out of text messages at any time by replying STOP, and you can ask us to stop calling or emailing you by contacting us using the details at the end of this policy.

Message frequency varies. Reply HELP for help. We do not share, sell, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes, except as needed to deliver the messages you requested. Mobile opt-in and text messaging consent data is never shared, sold, rented, or otherwise provided to any third party or affiliate for marketing or promotional purposes.

How we share information

We share personal information only as needed to run this website and to help with your request:

• E Mortgage Capital, Inc. and its lending partners, investors and settlement service providers, when needed to evaluate or process a loan request you ask us to pursue
• Service providers that help us operate the site: website hosting (Netlify), form delivery (FormSubmit), and analytics (Google Analytics)
• LeverageOS (app.lvrgos.com) — lead management and SMS follow-up
• Authorities and professional advisers, where required by law or to protect rights and safety
• A successor business, if the business is sold or reorganized

As of the effective date of this policy, we do not sell personal information, and we do not share it for cross-context behavioral advertising. If that changes, we will update this policy before it does.

Cookies and analytics

We use Google Analytics 4 to measure site traffic. It sets cookies in your browser and sends usage information to Google. You can limit this by adjusting your browser's cookie settings or by installing Google's Analytics opt-out browser add-on. Pages on this site load fonts from Google Fonts, which means your browser contacts Google's servers and your IP address is visible to Google when the page loads. This site does not currently change its behavior based on "Do Not Track" or Global Privacy Control signals, because it does not sell or share personal information.

Third-party websites

This site links to other websites, including NMLS Consumer Access, E Mortgage Capital, and social media profiles. Those sites have their own privacy practices, and we are not responsible for them.

Loan applications and federal privacy notices

Information you provide when you apply for a loan is handled by E Mortgage Capital, Inc. as a financial institution, and is covered by its federal privacy notice under the Gramm-Leach-Bliley Act. You can read E Mortgage Capital's policy at emortgagecapital.com/privacy-policy. If this policy and that notice differ for loan application information, the E Mortgage Capital notice controls.

How long we keep information

We keep website inquiry information for as long as needed to respond to you and for any period required by law or our licensing obligations. If you go on to apply for a loan, mortgage record-retention rules may require E Mortgage Capital to keep your records for a longer period. Analytics data is kept according to the retention settings we configure in Google Analytics.

Security

We use reasonable administrative and technical measures to protect the information you send us, including encrypted (HTTPS) connections to this website. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Your privacy choices and rights

Depending on where you live, including California under the California Consumer Privacy Act as amended, you may have the right to ask what personal information we hold about you, to request that we correct or delete it, and to be free from discrimination for exercising these rights. Information collected in connection with a loan application is covered by the federal law described above and may be exempt from some state privacy rights. To make a request, contact us using the details below. We may need to verify your identity before acting on a request, and we will respond within the time required by law.

Children's privacy

This website is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from children.

Changes to this policy

We may update this policy from time to time. The effective date at the top of this page shows when it was last changed.

Contact us

Christopher Hovenier, NMLS #1404324
E Mortgage Capital, Inc., NMLS #1416824
3750 S Susan Street, Santa Ana, CA 92704
Phone: (949) 810-2600
Email: chovenier@emortgagecapital.com