Privacy Policy

Last Updated: April 7, 2026

A&A Mortgage Group INC, operating under the brand name The Loan Brief ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit heloc.theloanbrief.com or interact with us through any of our communications channels.

We are a licensed mortgage brokerage serving customers in the following states: Alabama, Arizona, California, Colorado, Connecticut, Washington D.C., Florida, Hawaii, Idaho, Maine, Maryland, Michigan, Nebraska, New Hampshire, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

By submitting your information through our website, you acknowledge that you have read and agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information from you:

• Full name
• Phone number (mobile and/or landline)
• Email address
• Property address and type
• Estimated property value and mortgage balance
• Credit score range
• Household income information
• IP address and browser/device information
• Pages visited and time spent on our site
• Cookie and pixel data from your interactions with our website and advertisements

2. How We Collect Information

We collect information through the following means:

• Web forms: When you submit a loan inquiry or eligibility form on our website
• Cookies and tracking pixels: We use cookies, the Meta (Facebook) Pixel, Google Analytics, and similar technologies to analyze traffic, improve user experience, and measure the effectiveness of our advertising campaigns
• Paid advertising platforms: Including Facebook, Instagram, and Google Ads, when you interact with our ads or submit a lead form
• Direct communications: When you contact us by phone, email, SMS, or through our appointment booking system
• Zapier integrations: We may use Zapier to automate data transfer between platforms in connection with your inquiry

3. Description of Services

The Loan Brief provides residential and investment mortgage brokerage services, including Home Equity Lines of Credit (HELOC), DSCR investor loans, and related financing products. We connect borrowers with licensed mortgage professionals and lending partners to assist with their real estate financing needs. Our process is conducted online and includes soft credit checks, automated valuation models (AVM), electronic notary, and digital document collection.

4. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate your eligibility for a HELOC or other mortgage products
• To contact you regarding your loan inquiry via phone, SMS, email, voicemail drop, or tracked call line
• To schedule and confirm appointments and consultations related to your loan inquiry
• To send you educational and marketing information about our mortgage products and services
• To improve our website, advertising campaigns, and overall user experience
• To comply with applicable laws and regulatory requirements including the SAFE Act, TCPA, and CAN-SPAM Act
• To connect you with licensed mortgage professionals who may assist with your financing needs

5. SMS & Communications

When you submit your information on our website and opt in to SMS communications by checking the consent box on our form, you agree to receive text messages from The Loan Brief related to your loan inquiry, including:

• Follow-up messages regarding your HELOC or mortgage application
• Appointment confirmations and reminders
• Status updates on your loan inquiry
• Educational information about mortgage products relevant to your situation

Message frequency may vary. Message and data rates may apply.

To opt out: Reply STOP at any time to unsubscribe. You will receive one final confirmation and no further messages will be sent.

For help: Reply HELP or contact us at [email protected] or call +1 (949) 393-0319.

Consent to receive SMS messages is not a condition of purchasing any product or service. You may still receive assistance by contacting us directly.

We also communicate with you via email marketing, voicemail drops, and call tracking lines. All communications comply with applicable federal and state regulations including the TCPA and CAN-SPAM Act.

6. Appointment Booking

We offer online appointment scheduling through our platform. When you book an appointment, we collect your name, phone number, email address, and the nature of your inquiry. This information is used solely to confirm your appointment and follow up with you regarding your mortgage consultation. Appointment data is stored within our GoHighLevel CRM platform.

7. Data Sharing Policy

We do not sell your SMS opt-in data or consent information to any third party under any circumstances.

We may share your general loan inquiry information in the following limited circumstances:

• Licensed mortgage professionals and lending partners: We may share your loan inquiry with licensed loan officers, mortgage brokers, or affiliated lending partners for the purpose of processing or fulfilling your financing request. This is done to serve your needs, not for independent third-party marketing.
• Service providers: GoHighLevel acts as our CRM and communications platform and processes data on our behalf. They are subject to confidentiality obligations and do not use your data for their own marketing.
• Automation tools: We use Zapier to transfer data between platforms in connection with your inquiry. Zapier acts as a data processor and does not independently use your information.
• Legal requirements: We may disclose your information if required by law, court order, or government regulation, or to protect the rights and safety of our business or others.

Your SMS opt-in data and text messaging consent are never included in any data sharing arrangement, regardless of the nature of the sharing described above.

8. Cookies & Tracking Technologies

Our website uses cookies, web beacons, and advertising pixels including the Meta (Facebook) Pixel and Google Analytics. These technologies help us:

• Understand how visitors interact with our website
• Measure the effectiveness of our paid advertising campaigns on Facebook, Instagram, and Google
• Retarget visitors with relevant ads on social media and search platforms
• Analyze site traffic and improve website performance

You may disable cookies through your browser settings, though doing so may limit certain website features. To opt out of Meta's ad tracking, visit facebook.com/settings/?tab=ads. To opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.

9. Data Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include secure data storage within our CRM platform, restricted access controls, and encrypted communications where applicable.

No method of electronic transmission or storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. If you request deletion of your data, we will honor that request to the extent permitted by applicable law and regulatory requirements governing mortgage lending records.

11. Third-Party Services

We use the following third-party tools and platforms in connection with our services:

• GoHighLevel (GHL): Our primary CRM, funnel, SMS, email, appointment, and automation platform. Processes data on our behalf as a data processor.
• Meta (Facebook/Instagram): Digital advertising and lead generation platform. We use the Meta Pixel for ad measurement and retargeting.
• Google Ads / Google Analytics: Search advertising and website analytics. We use Google Analytics to track site performance.
• Zapier: Workflow automation tool used to transfer lead data between systems.
• Plaid: If you choose to connect your bank account for income verification purposes.
• dub.sh: Link shortening service used in our SMS and email communications.

Each third-party service has its own privacy policy. We encourage you to review them independently.

12. Your Rights & Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of certain data sharing or marketing communications
• Receive a copy of your data in a portable format

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, please contact us using the information in Section 14.

13. Opt-Out Instructions

• SMS: Reply STOP to any text message from us
• Email: Click the unsubscribe link in any email or contact us at [email protected]
• Phone/Voicemail: Request to be added to our internal do-not-contact list by calling +1 (949) 393-0319

14. Children's Information

Our website and services are intended for adults 18 years of age and older. We do not knowingly collect personal information from children under the age of 13. If you believe a child has provided us with personal information, please contact us immediately and we will delete it.

15. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

16. Contact Information

• Business: A&A Mortgage Group INC, operating as The Loan Brief
• Address: 23710 El Toro Road #1028, Lake Forest, CA 92630
• Email: [email protected]
• Phone: +1 (949) 393-0319
• Website: heloc.theloanbrief.com