Online Privacy Policy

1. Information We Collect

a. Categories of Personal Information Collected

In the past twelve (12) months, Titans of Mortgage may have collected the following categories of personal information:

• Identifiers: Name, email address, phone number, IP address
• Commercial Information: Subscription status, transaction records
• Internet or Network Activity: Pages visited, videos viewed, downloads, log data
• Geolocation Data: Approximate location based on IP address
• Professional or Employment Information: Company name, role (if provided)
• Educational Information: Course progress, video history, assessment responses

We do not collect sensitive personal information for the purpose of inferring characteristics protected under California law.

2. Purposes for Collecting Personal Information

We collect and use personal information to:

• Provide, operate, and improve our Services
• Deliver educational videos, documents, and software
• Create and manage accounts
• Process payments and transactions
• Communicate with users regarding updates, support, and administrative matters
• Conduct analytics and research to improve educational outcomes
• Comply with legal and regulatory obligations

3. Cookies and Tracking Technologies

We use cookies and similar technologies to personalize user experiences, analyze traffic, and improve functionality. You may control cookies through your browser settings.

4. Disclosure of Personal Information

In the past twelve (12) months, we may have disclosed personal information for a business purpose to the following categories of recipients:

• Hosting and cloud service providers
• Payment processors
• Analytics and marketing service providers
• Customer support and communication platforms

We do not sell or share personal information as defined under the CCPA/CPRA.

5. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the following rights:

a. Right to Know

You have the right to request information about:

• The categories of personal information we collect
• The sources from which information is collected
• The purposes for collecting, using, or disclosing personal information
• The categories of third parties with whom we share personal information

b. Right to Access

You have the right to request a copy of the personal information we have collected about you.

c. Right to Delete

You have the right to request deletion of your personal information, subject to certain legal exceptions.

d. Right to Correct

You have the right to request correction of inaccurate personal information.

e. Right to Limit Use of Sensitive Personal Information

Titans of Mortgage does not use or disclose sensitive personal information beyond what is necessary to provide the Services.

f. Right to Opt-Out of Sale or Sharing

Titans of Mortgage does not sell personal information, including for cross-context behavioral advertising.

6. Exercising Your California Rights

You may exercise your CCPA/CPRA rights by contacting us using one of the following methods:

• Email: help@titansofmortgage.com

We will verify your request using information associated with your account or email address. You may also designate an authorized agent to submit requests on your behalf.

7. Non-Discrimination

Titans of Mortgage will not discriminate against you for exercising any of your privacy rights. This means we will not deny Services, charge different prices, or provide a different level of quality based on your request.

8. Data Retention

We retain personal information only as long as reasonably necessary to fulfill disclosed purposes, comply with legal obligations, and enforce agreements.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. However, no system is completely secure.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be effective upon posting with an updated "Last Updated" date.

12. Contact Information

For questions or to exercise your privacy rights, contact: