# Privacy Policy

**Effective Date:** January 1, 2026

No Boring Mortgages ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy describes how information is collected, used, and protected when you visit noboringmortgages.com.

## Business Information

Penny Psencik
NMLS #111937

Sponsored by:

Crosspoint Financial Inc.
NMLS #56921
1128 Olde Cameron Lane
Franklin, TN 37067

## Information We Collect

We may collect information you voluntarily provide, including:

* Name
* Phone number
* Email address
* Mortgage inquiry information
* Appointment scheduling information
* Any information submitted through contact forms

We may also automatically collect:

* IP address
* Browser type
* Device information
* Pages visited
* Referral source
* Website interaction data

## How We Use Information

Information may be used to:

* Respond to inquiries
* Schedule consultations
* Provide mortgage-related information
* Contact you regarding requested services
* Improve website performance
* Analyze advertising effectiveness
* Comply with legal and regulatory obligations

## Consent to Contact

By submitting information through this website, you expressly consent to receive communications from Penny Psencik and/or Crosspoint Financial Inc. regarding mortgage products and services.

These communications may include:

* Telephone calls
* Text messages (SMS)
* Email communications

Communications may be sent using automated technology.

Consent is not required as a condition of obtaining a loan or any other service.

Message and data rates may apply.

You may opt out of text messages at any time by replying STOP.

## Cookies and Tracking Technologies

This website may use:

* Cookies
* Google Analytics
* Meta (Facebook) Pixel
* Similar tracking technologies

These technologies help us understand website usage and advertising effectiveness.

You may disable cookies through your browser settings.

## Calendly Scheduling

If you schedule an appointment through Calendly, information submitted through Calendly is subject to both this Privacy Policy and Calendly's privacy practices.

Calendly Privacy Policy:

https://calendly.com/privacy

## Third-Party Service Providers

We may use trusted third-party providers including:

* Calendly
* Google Analytics
* Meta/Facebook
* Google Workspace
* Zapier
* LendingPad
* Other mortgage industry service providers

These providers may process information on our behalf.

## Information Security

We take commercially reasonable measures to protect information from unauthorized access, disclosure, or misuse.

However, no internet transmission or storage system can be guaranteed 100% secure.

## Information Sharing

We do not sell personal information.

Information may be shared:

* With Crosspoint Financial Inc.
* With service providers assisting our business
* To comply with legal obligations
* To protect legal rights and security

## Your Rights

You may request:

* Access to personal information
* Correction of inaccurate information
* Deletion of information where permitted by law

Requests may be submitted using the contact information below.

## Equal Housing Opportunity

We support Equal Housing Opportunity and comply with applicable fair lending laws.

## Contact

Questions regarding this Privacy Policy may be directed to:

Penny Psencik
NMLS #111937

Crosspoint Financial Inc.
NMLS #56921

1128 Olde Cameron Lane
Franklin, TN 37067

Phone: 615-810-3988

## Changes

This Privacy Policy may be updated periodically. Changes become effective upon posting to this website.