Privacy Policy

Effective May 21, 2026 · Last updated May 21, 2026

This Privacy Policy explains how the Ethan Brooks Mortgage Team — operating as Refined Mortgage Group, a branch of Fairway Home Mortgage (Corporate NMLS #2289; Ethan Brooks NMLS #1639987) — collects, uses, and protects information when you visit trustrefined.com, submit a form, or communicate with us. By using our site or services, you agree to the practices described here.

01Information We Collect

We collect information you provide directly and information gathered automatically as you use our site:

• Contact details — name, email address, mailing address, and mobile phone number.
• Mortgage and financial information you choose to share to obtain pre-qualification, advice, or a loan application (e.g., income, employment, property details). Formal applications are processed through Fairway Home Mortgage's secure systems.
• Communication content — messages, form submissions, scheduling requests, and your SMS opt-in preferences.
• Automatically collected data — IP address, browser type, device information, and usage data collected through cookies and analytics tools.

02How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide mortgage guidance and services;
• Process and support your loan application and pre-qualification;
• Send account notifications, appointment reminders, and business updates;
• Send promotional or marketing messages where you have given consent;
• Improve our website, content, and customer experience; and
• Comply with applicable legal, regulatory, and lending requirements.

03SMS / Text Messaging & Mobile Information

When you provide your mobile number through a web form or other medium and opt in, you consent to receive text messages from us as described in our SMS Terms of Service. SMS consent is always optional and is never a condition of obtaining any product or service.

You can opt out of text messages at any time by replying STOP, or reply HELP for assistance. Message frequency varies, and message and data rates may apply.

04How We Share Your Information

We do not sell your personal information. We may share information only as follows:

• With Fairway Home Mortgage and the service providers who help us process loan applications and operate our business, under confidentiality obligations;
• When required by law, regulation, subpoena, or to protect our legal rights; and
• With your direction or consent, such as when you ask us to coordinate with your realtor.

As stated above, your SMS opt-in data and consent are excluded from all sharing and are never provided to third parties or affiliates for any purpose.

05Cookies & Analytics

Our site may use cookies and similar technologies to remember preferences and understand how visitors use the site. You can control cookies through your browser settings; disabling them may affect some site features.

06Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

07Your Choices & Rights

You may request access to, correction of, or deletion of your personal information, and you may opt out of marketing communications at any time. To exercise these choices, contact us using the details below. Depending on your state of residence, you may have additional rights under applicable privacy laws.

08Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, please contact us so we can remove it.

09Third-Party Links

Our site may link to third-party websites and tools (for example, scheduling or application portals). We are not responsible for the privacy practices of those sites; we encourage you to review their policies.

10Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with a revised effective date.