Privacy Policy

Last updated: August 14, 2026

Maria Osio, NMLS #1172683 ("Maria Osio," "we," "us," or "our") values your privacy. This Privacy Policy explains how information may be collected, used, disclosed, and protected when you visit this website (the "Website"), contact us through the Website, or otherwise interact with us through the services made available on the Website.

By accessing or using the Website, you acknowledge this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Website.

Information We Collect

We may collect information that you voluntarily provide to us, including when you complete a contact form, request information, inquire about mortgage services, schedule a consultation, or otherwise communicate with us.

Depending on how you interact with the Website, this information may include:

  • Name

  • Email address

  • Telephone number

  • Mailing address

  • Information you provide in a contact form or message

  • General information regarding your mortgage or home financing needs

  • Any other information you voluntarily provide to us

We may also automatically collect certain information when you visit the Website, including:

  • IP address

  • Browser and device information

  • Pages viewed

  • Referring website or source

  • Approximate location derived from an IP address

  • Date and time of visits

  • Information about how you interact with the Website

Please do not submit sensitive financial or personal information through general Website contact forms unless specifically requested through a secure system. This includes Social Security numbers, bank account information, credit or debit card information, passwords, or other sensitive financial information.

If you proceed with a mortgage inquiry or application, additional personal and financial information may be collected through a secure loan application platform or other service operated by a mortgage company or third-party service provider. Information submitted through those services may be governed by additional privacy notices and policies.

How We Use Your Information

We may use information collected through the Website to:

  • Respond to your questions and inquiries;

  • Contact you regarding mortgage products or services you have expressed an interest in;

  • Schedule consultations or follow up on requests;

  • Provide information about mortgage financing options;

  • Operate, maintain, and improve the Website;

  • Understand how visitors use the Website;

  • Measure Website performance and marketing effectiveness;

  • Prevent fraud, misuse, or security incidents;

  • Comply with applicable legal and regulatory requirements; and

  • Protect our rights and the rights of others.

We may also use your contact information to communicate with you about products, services, or information that may be relevant to your inquiry, subject to applicable law and your communication preferences.

How We Share Information

We do not sell your personal information.

We may disclose information when reasonably necessary to provide services you request or operate the Website. This may include disclosure to:

  • Mortgage companies, lenders, or other parties involved in providing or evaluating mortgage services;

  • Website hosting and technology providers;

  • Customer relationship management and communication providers;

  • Analytics providers;

  • Scheduling and form-processing providers;

  • Marketing and advertising service providers;

  • Professional advisers, including attorneys, accountants, and compliance professionals; and

  • Government agencies, regulators, law enforcement, or other parties when required or permitted by law.

We may also disclose information when necessary to protect our rights, investigate suspected fraud or unlawful activity, enforce applicable agreements, or protect the safety and security of our Website and users.

Third parties that receive information may have their own privacy policies and legal obligations governing their handling of personal information.

Cookies and Similar Technologies

The Website may use cookies and similar technologies. Cookies are small files stored on your device that help websites operate, remember preferences, and understand how visitors interact with them.

We may use cookies and similar technologies for purposes including:

  • Operating and securing the Website;

  • Remembering user preferences;

  • Understanding Website traffic and usage;

  • Measuring Website performance;

  • Improving Website functionality; and

  • Measuring the effectiveness of advertising or marketing campaigns.

Most browsers allow you to control or disable cookies through browser settings. Disabling certain cookies may affect the functionality of the Website.

Analytics

The Website may use third-party analytics services, such as Google Analytics, to help us understand Website traffic and visitor behavior.

These providers may collect information about your device, browser, IP address, pages visited, and interactions with the Website through cookies or similar technologies.

Google provides tools that allow users to opt out of certain Google Analytics data collection. You can learn more through Google's privacy and analytics resources.

Advertising and Marketing

We may use advertising or marketing technologies that help us understand the effectiveness of our advertising and communicate with people who have expressed an interest in our services.

Depending on the technologies implemented on the Website, these services may use cookies, pixels, or similar technologies to collect information regarding Website visits and interactions.

You may be able to limit certain advertising cookies through your browser, device settings, or the privacy controls provided by the applicable advertising platform.

Communications

If you provide your contact information, we may use it to respond to your request and communicate with you regarding mortgage-related products or services.

You may opt out of marketing emails by following the unsubscribe instructions included in those communications or by contacting us.

If SMS/text messaging is offered through the Website, any consent you provide to receive text messages will be subject to the disclosures presented when you provide that consent. Consent to receive marketing communications is not a condition of purchasing goods or services.

Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information.

These safeguards may include:

  • Limiting collection of personal information to information reasonably necessary for the intended purpose;

  • Using secure connection technologies such as SSL/TLS;

  • Limiting access to personal information;

  • Maintaining appropriate software and security safeguards;

  • Evaluating service providers; and

  • Using physical and administrative security measures where appropriate.

However, no method of transmitting information over the Internet or storing information electronically is completely secure. We cannot guarantee absolute security.

Information Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, respond to inquiries, maintain appropriate business and regulatory records, comply with legal obligations, resolve disputes, and enforce agreements.

Retention periods may vary depending on the nature of the information and applicable legal or regulatory requirements.

Children's Privacy

This Website is intended for adults and is not directed to children under the age of 18.

We do not knowingly use the Website to solicit personal information from children. If we learn that personal information has been submitted by a child through the Website, we may delete the information as appropriate.

Your Privacy Choices and Rights

Depending on where you reside and applicable law, you may have certain rights regarding your personal information, which may include the right to:

  • Request access to certain personal information we maintain about you;

  • Request correction of inaccurate personal information;

  • Request deletion of certain personal information;

  • Obtain information regarding how personal information is collected, used, or disclosed;

  • Opt out of certain marketing communications; and

  • Exercise other privacy rights provided by applicable law.

These rights are subject to exceptions and limitations under applicable law.

We may need to verify your identity before processing certain privacy requests. We will use information provided in connection with a privacy request for verification and processing of that request.

Texas Privacy Rights

Texas residents may have additional rights under applicable Texas privacy law, subject to applicable exemptions, exceptions, and eligibility requirements.

Where applicable, these rights may include the ability to request access to, correction of, or deletion of certain personal data and to obtain a portable copy of certain personal data.

Where required by applicable law, Texas residents may also have rights regarding certain uses of personal data for targeted advertising, sale, or profiling.

Requests may be submitted using the contact information provided below.

Third-Party Websites and Services

The Website may contain links to websites, loan application systems, lender portals, social media platforms, or other services operated by third parties.

We do not control the privacy practices of third-party websites or services. Information you provide directly to a third party is subject to that party's privacy policies and practices.

We encourage you to review the privacy policies of third-party services before providing personal information.

Mortgage Application and Financial Information

This Website may provide links or access to third-party systems through which you can begin or complete a mortgage application.

A mortgage application may require sensitive personal and financial information, such as employment information, income, assets, debts, credit information, Social Security numbers, and other information necessary to evaluate a mortgage transaction.

Unless expressly stated otherwise, such sensitive information should be submitted only through the designated secure loan application system and not through general Website contact forms or email.

The collection, use, sharing, retention, and protection of information submitted as part of a mortgage application may also be governed by privacy notices provided by the applicable mortgage company, lender, loan application provider, or other financial institution.

Do Not Track

Some browsers offer a "Do Not Track" ("DNT") setting that sends a signal indicating that you do not want your online activity tracked.

Because there is not currently a universally accepted standard for responding to DNT signals, the Website may not respond to all DNT signals. You may use browser settings and other available privacy controls to manage cookies and tracking technologies.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Website, practices, technologies, legal requirements, or other factors.

When we make changes, we will update the "Last updated" date at the top of this Privacy Policy. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions about this Privacy Policy, our privacy practices, or would like to submit a privacy-related request, please contact:

Maria Osio
NMLS #1172683
Email: maria@osiohomeloans.com

Licensing

Licensing information presented on this Website pertaining to Maria Osio should identify her as:

Maria Osio | NMLS #1172683

For current licensing information, visit NMLS Consumer Access at www.nmlsconsumeraccess.org.