This Privacy Policy explains how Reverse Mortgage Coach ("we," "us," or "our"), operated by Jay Zayer (CA DRE #01456165, #01450361 · NMLS #307713 · AZ #1022722), collects, uses, and protects the information you provide when you visit reversemortgage.coach, complete our Reverse Mortgage Readiness Assessment, book a strategy call, download resources, or otherwise interact with our website or services.
By using this website, you agree to the collection and use of information as described in this policy. If you do not agree with any part of this policy, please do not use our website.
1. Information We Collect
We collect information in two ways: information you provide directly and information collected automatically.
Information you provide directly:
Name (first and last) when completing the Readiness Assessment or contact form
Email address
Phone number
City and state
Responses to assessment questions including home value range, mortgage balance range, and age range of homeowners on title
Any messages or questions submitted through our contact form
Appointment information when booking a strategy call through Calendly
Information collected automatically when you visit our website:
IP address and general geographic location
Browser type and version
Pages visited and time spent on each page
Referring website or source (including Facebook ads)
Device type (desktop, tablet, mobile)
Cookies and similar tracking technologies as described in Section 6
2. How We Use Your Information
We use the information we collect for the following purposes:
To respond to your inquiries and provide the reverse mortgage guidance you requested
To contact you about your Readiness Assessment results and follow up with relevant information
To schedule and conduct free strategy calls
To send you educational information about reverse mortgages that may be relevant to your situation
To improve the content, functionality, and user experience of our website
To comply with legal and regulatory obligations applicable to licensed mortgage professionals in California and Arizona
To fulfill any other purpose for which you provided the information
We will not use your information for purposes that are materially different from those described above without notifying you and obtaining your consent where required by applicable law.
3. How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in the following limited circumstances:
Service providers: We use third-party services to operate our website and deliver our services, including Web3Forms (form submission and email delivery), Calendly (appointment scheduling), and Google Analytics (website analytics). These providers have access to your information only as necessary to perform their functions and are obligated to maintain its confidentiality.
Legal requirements: We may disclose your information if required to do so by law, court order, or government authority, or if we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.
Business transfers: In the unlikely event that our business is sold or transferred, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website before your information becomes subject to a different privacy policy.
With your consent: We may share your information for any other purpose with your explicit consent.
We do not share your personal information with other mortgage lenders, real estate agents, financial planners, or other third-party professionals without your explicit permission.
4. How We Contact You
By submitting your information through our Readiness Assessment, contact form, or any other form on this website, you expressly consent to being contacted by Jay Zayer (Reverse Mortgage Coach) at the phone number and email address you provided. Contact may include:
Phone calls and text messages regarding your assessment results and reverse mortgage options
Emails with your assessment results, educational resources, and follow-up information
Appointment confirmation and reminder messages through Calendly
You may opt out of further communications at any time by replying STOP to any text message, clicking the unsubscribe link in any email, or contacting us directly at Jay@ReverseMortgage.Coach.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to maintain our business records, and to comply with applicable legal and regulatory requirements. As a licensed mortgage professional, we are subject to record-keeping requirements under California and federal law that may require us to retain certain information for a defined period.
When information is no longer needed for these purposes, we will securely delete or anonymize it.
6. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to improve your experience, analyze website traffic, and understand how visitors interact with our content. Cookies are small text files placed on your device by your browser.
We use the following types of cookies:
Essential cookies: Required for the website to function properly. These cannot be disabled.
Analytics cookies: Used by Google Analytics to understand how visitors use our site, which pages are most popular, and how users navigate through the assessment. This data is aggregated and anonymous.
Marketing cookies: If you arrived at our site through a Facebook ad, Facebook may place cookies to track the effectiveness of our advertising campaigns. This is governed by Facebook's own privacy policy.
You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing cookies. Disabling cookies may affect the functionality of certain parts of our website. For more information about managing cookies, visit allaboutcookies.org.
7. Facebook and Third-Party Advertising
We advertise on Facebook and Instagram. If you arrive at our website through a Facebook or Instagram ad, Facebook may collect data about your interaction with our ad and website as described in their Data Policy. We may use Facebook's advertising tools, including the Facebook Pixel, to measure the effectiveness of our ads and to show relevant ads to people who have visited our website.
You can opt out of Facebook's interest-based advertising by visiting your Facebook Ad Preferences settings or by visiting the Digital Advertising Alliance opt-out page at optout.aboutads.info.
8. Google Analytics
We use Google Analytics to understand how visitors interact with our website. Google Analytics collects information such as how often users visit the site, what pages they visit, and what other sites they used prior to visiting ours. We use this information to improve our website and content.
Google Analytics collects only anonymous, aggregated data and does not collect personal information such as your name, phone number, or email address. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on available at tools.google.com/dlpage/gaoptout.
9. Data Security
We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
Secure HTTPS encryption on all pages of our website
Secure third-party form processing through Web3Forms
Limited access to personal information to only those personnel who need it to perform their duties
Regular review of our data collection and storage practices
No method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you believe your information has been compromised, please contact us immediately at Jay@ReverseMortgage.Coach.
10. California Privacy Rights
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:
The right to know what personal information we collect, use, disclose, and sell about you
The right to request deletion of your personal information, subject to certain exceptions
The right to correct inaccurate personal information we hold about you
The right to opt out of the sale or sharing of your personal information (we do not sell your personal information)
The right to non-discrimination for exercising your privacy rights
To exercise any of these rights, please contact us at Jay@ReverseMortgage.Coach or by calling 760-271-8646. We will respond to verified requests within 45 days as required by California law. We may need to verify your identity before processing your request.
California residents may also designate an authorized agent to submit requests on their behalf. If you use an authorized agent, we may require written authorization or a power of attorney.
11. Arizona Residents
Jay Zayer is licensed in Arizona (#1022722) and serves homeowners throughout the Phoenix, Scottsdale, and Tucson areas. Arizona residents who have questions about how their personal information is handled or who wish to request access to or deletion of their information may contact us at Jay@ReverseMortgage.Coach or 760-271-8646.
12. Children's Privacy
Our website and services are intended exclusively for adults 55 years of age and older and are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will delete that information promptly. If you believe we have collected information from a child under 13, please contact us at Jay@ReverseMortgage.Coach.
13. Links to Third-Party Websites
Our website contains links to third-party websites including Calendly, YouTube, Facebook, and other platforms. These websites have their own privacy policies and we are not responsible for their practices. We encourage you to review the privacy policies of any third-party websites you visit through links on our site.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make material changes, we will update the "Last updated" date at the top of this policy and, where appropriate, provide additional notice such as a notice on our homepage.
We encourage you to review this policy periodically to stay informed about how we are protecting your information. Your continued use of our website after any changes to this policy constitutes your acceptance of the updated policy.
15. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:
Jay Zayer
Reverse Mortgage Coach
Email: Jay@ReverseMortgage.Coach
Phone: 760-271-8646
Website: reversemortgage.coach
CA DRE #01456165, #01450361 · NMLS #307713 · AZ #1022722
This privacy policy was written for Reverse Mortgage Coach (reversemortgage.coach) and reflects the actual data practices of this website as of the effective date above. This policy is not legal advice. If you have specific legal questions about your privacy rights, please consult a qualified attorney.