1. Introduction

UtahRefi ("we," "us," or "our") operates utahrefi.com as a marketing publisher that helps connect homeowners with participating mortgage providers. We are not a mortgage lender, broker, loan originator, or financial advisor.

2. Information We Collect

• Identifiers: name, email address, phone number.
• Location data: ZIP code, city, and related service area information.
• Mortgage interest information: refinance goal, property type, and related preferences. SSN is not required to start on our form.
• Device and usage data: IP address, browser/user-agent, pages viewed, referring URLs, cookies, and similar technologies.

3. How We Use Information

• Provide matching and marketing services based on your request.
• Respond to your questions and process your submissions.
• Improve website performance, content quality, and analytics.
• Prevent fraud, abuse, and unauthorized activity; support security operations.

4. How We Share Information

• Participating mortgage partners: We may share your information so they can contact you about mortgage/refinance products.
• Service providers: Hosting, CRM, form tools, email/SMS providers, and related operational vendors.
• Analytics/advertising partners: Including Google Analytics and Google AdSense as described in Section 7.
• Legal/compliance: To comply with law, enforce rights, or protect users/business operations.

Under certain state privacy laws, some sharing may be considered a "sale" or "share" of personal information. You may have opt-out rights where applicable. See Do Not Sell or Share.

5. Communications & Consent (TCPA)

If you provide consent, UtahRefi and participating mortgage partners may contact you by phone, text, and/or email, including with automated/prerecorded/artificial voice technology, at the contact information you provide. Consent is not a condition of purchase.

To opt out of text messages, reply STOP. To opt out of email marketing, use the unsubscribe link in the email or contact us.

6. Cookies & Tracking

We and our vendors may use cookies, pixels, and similar tools to remember preferences, measure traffic, and improve ad/marketing effectiveness.

You can manage cookies through browser settings and certain opt-out tools. If you disable cookies, some features may not work as intended.

7. Google AdSense & Third-Party Advertising

This site uses Google AdSense to display advertisements. Google may use cookies to serve ads based on a user's prior visits to this website or other websites. You can opt out of personalized advertising by visiting Google Ad Settings. For more information, see Google's advertising policies.

8. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described above, including legal, compliance, and recordkeeping needs, unless a longer period is required by law.

9. Security

We use reasonable administrative, technical, and physical safeguards designed to protect information. However, no method of transmission or storage is 100% secure.

10. Your Privacy Rights

Depending on your location and applicable law, you may have rights to request access, correction, deletion, and to opt out of certain marketing or data sharing practices.

• Request access/correction/deletion: contact us using the details below.
• Opt out of marketing communications using unsubscribe/STOP or by contacting us.
• Opt out of "sale/share" where applicable at /do-not-sell-or-share.

California notice: California residents may have rights under CCPA/CPRA, including the right to opt out of sale/share of personal information, subject to applicability thresholds and exceptions.

11. Children's Privacy

Our site is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated version here and revise the "Last updated" date.

13. Contact Us