Effective Date: [09/01/2025]

​

This Privacy Policy explains how Sabrina Montalvo (“I,” “me,” or “my”) collects, uses, and protects your information when you visit my website or use my services. I provide mortgage lending, refinancing, life insurance, and personal finance services in Detroit, Michigan and nationwide.

By using my site or services, you agree to the practices described in this policy.

​

​1. Information I Collect

I may collect the following types of information:

• Personal Information: Name, email address, phone number, and mailing address.

• Financial Information: Income, credit, assets, debts, and other details required for mortgage or refinancing applications.

• Insurance Information: Beneficiary details, health-related information (if disclosed), and policy preferences.

• Website Usage Data: Cookies, IP addresses, browser type, and analytics to improve website performance.

• ​

2. How I Use Your Information

Your information is used to:

• Respond to inquiries and provide requested services.

• Process mortgage applications, life insurance requests, or financial guidance.

• Improve website functionality and customer experience.

• Communicate updates, resources, or offers (with the option to unsubscribe).

​

3. Confidentiality Commitment

I take confidentiality seriously. All personal and financial information shared with me is kept strictly confidential. I will never sell your information to third parties. Information may only be shared with trusted partners (such as lenders or insurance carriers) for the purpose of completing your request or as required by law.

​

4. Third-Party Services

My website may use third-party tools (e.g., calculators, scheduling tools, analytics). These providers may collect data independently, and I encourage you to review their privacy policies. I only partner with providers who follow industry best practices for data privacy and security.

​

5. Data Security

I use reasonable security measures, including encryption and secure servers, to protect your information. While no system is 100% secure, I actively monitor and update safeguards to reduce risk.

​

6. Your Rights

You have the right to:

• Request a copy of the personal information I hold about you.

• Update or correct your information.

• Request deletion of your information (subject to legal and compliance requirements).

• Opt out of marketing communications at any time.                   

​​

7. Cookies & Tracking

This site may use cookies and similar technologies to improve functionality and measure site traffic. You can adjust your browser settings to block cookies, though this may affect site usability.

​

8. Compliance Disclosures

• Mortgage Services: NMLS ID [Insert Your NMLS Number]. “Not a commitment to lend. All loans subject to credit approval and terms.”

• Life Insurance Services: Licensed in the state of Michigan, NIPR ID 18623354. Registered with the Department of Insurance and Financial Services (DIFS).

• ​

9. Policy Updates

This Privacy Policy may be updated from time to time. Updates will be posted on this page with the effective date listed above.

​

10. Contact Information

If you have any questions about this Privacy Policy, accessibility, or confidentiality practices, please contact:

📧 Email: hello@sabrinamontalvo.com
📞 Phone: [313-546-8640]