Privacy Policy

Mpire Financial Group LLC, doing business as Mpire Direct ("we," "us," or "our"), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.mpiredirectloans.com (the "Site") or interact with our services.

By using our Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Site or submit personal information.

1. Information We Collect

Information You Provide Directly

We collect information you voluntarily provide when you:

Complete our rate quiz or loan inquiry forms
Submit a contact form or request a callback
Subscribe to our newsletter
Communicate with us via phone, email, or chat

This information may include:

Name, email address, and phone number
State and city/ZIP code where you are looking to purchase or refinance
General financial information you provide voluntarily (price range, credit range, loan goals)
Military service status
Whether you are working with a real estate agent
Any other information you choose to include in messages to us

We do not collect Social Security numbers, full credit reports, bank account numbers, or other sensitive financial data through our website forms. That information is only collected through our secure loan application process after you have chosen to move forward with an application.

Information Collected Automatically

When you visit our Site, we automatically collect certain information, including:

IP address and approximate geographic location
Browser type, operating system, and device information
Pages visited, time spent on pages, and referring URLs
Cookies and similar tracking technologies (see Section 5)

2. How We Use Your Information

We use the information we collect to:

Respond to your inquiries and provide mortgage-related information
Match you with appropriate loan programs based on your quiz responses
Contact you regarding your rate inquiry or loan interest (with your consent)
Send you relevant educational content and market updates (if you opt in)
Improve our website, services, and user experience
Analyze website traffic and usage patterns
Comply with legal and regulatory obligations
Detect, prevent, and address technical issues or fraud

We do not sell your personal information. We may share your information in the following limited circumstances:

Wholesale lenders and lending partners: When you request a rate quote or move forward with a loan application, we share relevant information with wholesale lenders to obtain pricing and process your loan. This is necessary to provide our core service.
Service providers: We work with third-party service providers who assist with website hosting, analytics, email delivery, customer relationship management (CRM), and similar business functions. These providers are contractually required to protect your information and use it only to perform services on our behalf.
Legal compliance: We may disclose your information when required by law, regulation, court order, or governmental authority, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.
Business transfers: In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of that transaction.

We do not sell, rent, or trade your personal information to unaffiliated third parties for their own marketing purposes.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, and destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your experience and analyze usage. Specifically:

Google Analytics: We use Google Analytics to understand how visitors interact with our Site. Google Analytics collects information such as pages visited, time on site, and device information. This data is aggregated and anonymized. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.
Essential cookies: Some cookies are necessary for the Site to function properly (e.g., remembering your consent preferences).

You can control cookies through your browser settings. Disabling cookies may limit certain features of the Site.

6. Your Rights and Choices

All Users

Opt out of marketing emails: You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" link in any email or contacting us directly.
Access and correction: You may request access to or correction of your personal information by contacting us using the information below.
Deletion: You may request that we delete your personal information, subject to certain legal exceptions (such as information we are required to retain for regulatory purposes).

California Residents — Your CCPA/CPRA Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) provides you with additional rights regarding your personal information:

Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purposes for collection, and the categories of third parties with whom we share it.
Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
Right to Correct: You have the right to request correction of inaccurate personal information.
Right to Opt Out of Sale or Sharing: We do not sell your personal information. If our practices change, we will update this policy and provide a mechanism to opt out.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To exercise your California privacy rights, contact us at privacy@mpiredirectloans.com or call 407-287-6550. We will verify your identity before processing your request.

Categories of personal information collected in the past 12 months: Identifiers (name, email, phone number, IP address); internet or network activity (browsing history, pages visited); geolocation data (state, city/ZIP); professional or employment-related information (if voluntarily provided); and inferences drawn from the above (loan program recommendations).

Colorado, Connecticut, Montana, Oregon, Texas, and Virginia Residents

If you reside in a state with a comprehensive consumer privacy law (including Colorado, Connecticut, Montana, Oregon, Texas, or Virginia), you may have similar rights to access, correct, delete, and opt out of certain data processing. To exercise these rights, contact us using the information in Section 10.

7. Gramm-Leach-Bliley Act (GLBA) Notice

As a mortgage broker, we are subject to the Gramm-Leach-Bliley Act (GLBA), which requires financial institutions to explain their information-sharing practices. When you apply for a mortgage, we will provide you with a separate GLBA Privacy Notice that details how your nonpublic personal financial information is collected, shared, and protected in the context of your loan application.

8. Do Not Track Signals

Some browsers offer a "Do Not Track" (DNT) setting. There is currently no uniform standard for responding to DNT signals. Our Site does not currently respond to DNT browser signals, but you can manage tracking preferences through your browser cookie settings and the opt-out mechanisms described in Section 5.

9. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will promptly delete that information. If you believe we have collected information from a child, please contact us immediately.

10. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a privacy-related complaint, please contact us:

Mpire Financial Group LLC
189 S. Orange Ave Suite 2020
Orlando, FL 32801
Phone: 407-287-6550
Email: privacy@mpiredirectloans.com

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this page periodically.