Privacy Policy

Physician Mortgage Navigator is a marketing website operated by TMEDIA NAVIGATOR LLC. We collect and use personal information to provide educational content and, if requested, introduce you to licensed mortgage loan originators ("Specialists") and to operate and secure our services.

Information We Collect

• Identifiers: name, email, phone, state, IP address, device info.
• Professional/financial context you provide (e.g., physician role, employment contract status).
• Internet activity: page views, referrers, ad campaign identifiers, fraud signals.

How We Use Information

• Provide the service (provide optional introductions).
• Prevent fraud and abuse (e.g., ClickCease, rate limiting).
• Measure and improve advertising (e.g., Google Ads).
• Communicate with you about your inquiry.

Sharing & "Selling/Sharing" Under CPRA

We may disclose your information to a single Specialist licensed in your state (if you request an introduction). When done for compensation, this may be considered a "sale" or "sharing" under California law. See Do Not Sell or Share My Info for your rights.

Legal Bases & Industry Laws

• FTC Act (truthful marketing and disclosures).
• GLBA considerations in financial lead‑gen.
• TCPA consent for calls/texts when you provide your number.

Data Retention

We retain data only as long as needed for matching, fraud prevention, legal compliance, and record‑keeping.

Your Rights (CPRA)

• Right to know/access specific pieces of personal information.
• Right to delete.
• Right to correct.
• Right to opt‑out of sale/share and limit use of sensitive information.
• Right to non‑discrimination for exercising your rights.

Submit requests to privacy@physicianmortgagenavigator.com.

Security

We use administrative, technical, and physical safeguards appropriate to the risk. No method is 100% secure.

Children

We do not target or knowingly collect data from children under 16. If you believe a child provided data, contact us.

Changes

We may update this Policy. Material changes will be noted by updating the “Last updated” date.