Privacy Policy

This Privacy Policy describes how James Igbinovia ("we," "us," or "our"), Originating Branch Manager at CrossCountry Mortgage, LLC (NMLS #3029), collects, uses, and protects your personal information when you visit this website and submit information through our forms. This website is a personal marketing website operated by James Igbinovia (NMLS #626688) to provide information about mortgage products and services available through CrossCountry Mortgage, LLC. This website is not the official corporate website of CrossCountry Mortgage, LLC.

1. Who We Are

James Igbinovia operates this website as a personal marketing tool to connect prospective borrowers with mortgage products and services offered through CrossCountry Mortgage, LLC. All mortgage loans are originated, processed, and funded by CrossCountry Mortgage, LLC (NMLS #3029).

2. Information We Collect

We collect information that you voluntarily provide when you interact with our website, including:

• Contact information: Name, email address, phone number
• Mortgage inquiry details: Loan type of interest, property information, purchase timeline, employment status, and other details you provide through our forms
• Communication preferences: Your consent to receive SMS messages, email, or phone calls

We also automatically collect certain technical information when you visit our website:

• IP address and approximate geographic location
• Browser type and device information
• Pages visited and time spent on the site
• Referring website or source
• Cookies and similar tracking technologies (see Section 8 below)

3. How We Use Your Information

We use the information you provide for the following purposes:

• To respond to your mortgage inquiry and provide information about loan products
• To contact you by phone, email, or SMS regarding your inquiry (based on your consent)
• To process and facilitate your mortgage application through CrossCountry Mortgage, LLC
• To send appointment reminders, application status updates, and follow-up communications
• To improve our website and services
• To comply with legal and regulatory requirements

4. SMS Opt-In, Consent, and Messaging Details

This section describes how we obtain, use, and protect your consent to receive SMS/text messages.

4.1 How We Obtain SMS Consent

We obtain your SMS consent through clear, affirmative opt-in mechanisms on our website. Specifically:

• Each form on our website that collects your phone number includes a clearly labeled SMS consent checkbox
• You must affirmatively check the checkbox and submit the form to opt in
• The checkbox is not pre-checked — you must take an affirmative action to provide consent
• The consent language is displayed directly next to the checkbox, clearly describing the types of messages you will receive
• Your consent is recorded with a timestamp, your IP address, and the specific form you submitted for compliance and verification purposes

4.2 Types of SMS Messages You May Receive

Transactional and Informational Messages:

• Follow-up communications regarding your mortgage inquiry or application
• Appointment confirmations and reminders
• Updates on the status of your loan application
• Responses to questions you have submitted through our website
• Important notifications related to your requested services

4.3 Message Frequency

Message frequency varies based on the nature of your inquiry and your interactions with us. You may receive multiple messages related to your mortgage inquiry or application. We do not send an excessive or unlimited number of messages.

4.4 Message and Data Rates

Standard message and data rates may apply depending on your mobile carrier and plan. We are not responsible for any charges from your mobile carrier related to SMS messages.

4.5 How to Opt Out of SMS Messages

You may also opt out by:

• Replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message
• Calling us at (623) 210-2466 to request removal from SMS communications
• Emailing James.Igbinovia@ccm.com with your phone number and a request to opt out of SMS

Opting out of SMS does not affect other forms of communication such as email or phone calls, which are governed by separate preferences.

4.6 Getting Help

Reply HELP to any text message for assistance, or contact us directly at (623) 210-2466 or James.Igbinovia@ccm.com.

4.7 SMS Consent Is Not Shared or Sold

4.8 Carrier Liability Disclaimer

Mobile carriers (including but not limited to AT&T, Verizon, T-Mobile, and other wireless carriers) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator and is outside our control. Neither James Igbinovia, CrossCountry Mortgage, LLC, nor any mobile carrier shall be liable for any damages arising from or related to SMS messaging services.

5. How We Share Your Information

We may share your personal information in the following circumstances:

• CrossCountry Mortgage, LLC: Your information is shared with CrossCountry Mortgage, LLC for the purpose of processing your mortgage inquiry and application, as James Igbinovia originates loans through CrossCountry Mortgage, LLC
• Service providers: We use trusted service providers (such as our CRM platform, Go High Level, and our website hosting provider) to facilitate communications and manage your inquiry. These providers are contractually obligated to protect your information and may only use it to perform services on our behalf
• Legal requirements: We may disclose your information if required by law, regulation, legal process, or governmental request

We do not sell your personal information, phone number, or email address to third parties for their marketing purposes.

6. Data Security

We take the security of your personal information seriously and implement appropriate measures to protect it, including:

• Secure, encrypted connections (HTTPS/TLS) for all data transmitted through our website
• Data stored on secure servers with industry-standard encryption
• Access to personal information restricted to authorized personnel only
• Regular security assessments and updates of our systems
• Secure backup systems to prevent data loss

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We continuously work to improve our security practices.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you
• Correction: You may request that we correct inaccurate information
• Deletion: You may request that we delete your personal information, subject to legal and regulatory retention requirements
• Opt-out of SMS: Reply STOP to any text message (see Section 4.5 above)
• Opt-out of email: Click the unsubscribe link in any marketing email

To exercise any of these rights, contact us at James.Igbinovia@ccm.com or (623) 210-2466.

California Privacy Rights

California residents have the right under California Civil Code § 1798.83 to request information regarding the disclosure of personal information to third parties for direct marketing purposes. We do not share your personal information with third parties for their direct marketing purposes. If you are a California resident with questions, contact us at: James Igbinovia, 7878 North 16th Street, Suite 255, Phoenix, AZ 85020.

8. Cookies and Tracking Technologies

When you visit our website, we may use cookies and similar technologies to collect information about your browsing activity, including:

• Google Analytics 4 for website traffic analysis
• Facebook Pixel for advertising measurement
• Google Ads conversion tracking
• Essential cookies for website functionality

You can control cookies through your browser settings. Disabling cookies may affect the functionality of our website. We use the data collected through these technologies to improve our website, understand how visitors interact with our content, and measure the effectiveness of our advertising.

9. Children's Privacy (COPPA)

This website is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under the age of 13. If we become aware that we have inadvertently collected information from a child under 13, we will promptly delete it. If you are a parent or guardian and believe your child has submitted information, contact us at James.Igbinovia@ccm.com.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective when posted on this page with a revised "Last updated" date. Your continued use of this website after changes are posted constitutes acceptance of the updated policy. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions about this Privacy Policy, how your information is handled, or wish to exercise your privacy rights, please contact us:

For questions regarding CrossCountry Mortgage, LLC's corporate privacy practices: