Privacy policy & TCPA disclosures.

Who we are

True Freedom Marketing LLC ("True Freedom Marketing," "we," "us," or "our") is a Phoenix, Arizona–based business-to-business marketing services company. We operate consumer-facing lead-generation campaigns and route live telephone transfers of consenting consumers to licensed mortgage lenders ("Lender Partners").

This Privacy Policy describes what information we collect, how we use and share it, the choices available to you, and how we comply with U.S. federal and state laws — including the federal Telephone Consumer Protection Act (TCPA), the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), and other state privacy laws as applicable to you.

Information we collect

We collect the following categories of information, depending on how you interact with us:

• From consumers requesting mortgage information. Identifiers (name, postal address, email address, telephone number, IP address), stated financial information (credit band, loan purpose, estimated loan amount, property value, cash-out amount), property information (address, type, ownership status), and communication records (call recordings, transcripts, consent confirmations with timestamp).
• From Lender Partners and prospective clients. Business contact information, billing details, service preferences, NMLS or state licensing information, and any information submitted via our lender application.
• From website visitors. IP address, browser type, device identifiers, referring URL, pages visited, and information collected through cookies and similar tracking technologies (see Section 10).

We do not knowingly collect Social Security numbers, full credit reports, or other sensitive financial data on our consumer-facing forms. Underwriting-grade data is collected by Lender Partners under their own privacy practices once a consumer is transferred.

How we use information

We use the information we collect to:

• Verify consumer consent and basic eligibility for mortgage outreach
• Screen, qualify, and match consumers with appropriate Lender Partners
• Deliver live telephone transfers and the associated consent and call records to Lender Partners
• Operate, maintain, secure, and improve our website and services
• Respond to inquiries and provide customer support
• Comply with our legal obligations, including TCPA recordkeeping and state privacy laws
• Detect, investigate, and prevent fraud, abuse, and security incidents

Sharing & sale of information

True Freedom Marketing's core business model involves the sale and sharing of consumer lead data to its licensed Lender Partners. When a consumer provides their information through one of our campaigns or consents to a live transfer:

• We may sell or share their contact information and stated financial details with one or more Lender Partners, on an exclusive or non-exclusive basis as disclosed at the point of consent, for the purpose of offering mortgage products and services.
• Consumers have the right under California, Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and other state privacy laws to opt out of this sale or sharing. See Section 7.

We do not sell information of consumers we know to be under 18 years of age.

We may also share information with:

• Service providers that support our operations under written contracts — including hosting providers, call-routing platforms, analytics vendors, and consent-capture systems
• Legal authorities when required by law, subpoena, court order, or to protect the rights, property, or safety of True Freedom Marketing, our users, or others
• Successors in interest in connection with a merger, acquisition, financing, reorganization, or sale of business assets

TCPA consent & call practices

We comply with the federal Telephone Consumer Protection Act (47 U.S.C. § 227), FCC implementing regulations (47 C.F.R. § 64.1200), and applicable state telemarketing laws.

Prior express written consent. Before any telephone outreach to a wireless number using an automatic telephone dialing system or an artificial or prerecorded voice, we obtain prior express written consent from the consumer. Each consent capture includes:

• A clear and conspicuous disclosure identifying True Freedom Marketing and the categories of Lender Partners that may contact the consumer
• A statement that consent is not required as a condition of obtaining goods or services
• An electronic signature, IP address, timestamp, user agent, and a copy of the form language presented to the consumer
• Retention of the consent record for at least four (4) years

Call recording. All live transfer calls are recorded for compliance, quality assurance, and dispute-resolution purposes. Consumers are notified of recording in the consent disclosure and again at the start of each call. Recordings and associated metadata are retained for at least four (4) years.

Do Not Call compliance. We honor the National Do Not Call Registry and maintain our own internal Do Not Call list. Consumers may request to be added to our internal DNC list at any time by emailing privacy@truefreedommarketing.com. Requests are honored within thirty (30) days.

Hours of outreach. Telephone outreach is conducted Monday through Saturday, 8:00 AM to 6:00 PM Pacific Standard Time, consistent with TCPA restrictions on calling hours and applicable state limitations. We do not call on federal holidays.

Your privacy rights

Depending on the state in which you reside, you may have the following rights regarding your personal information:

• Right to know what personal information we collect, use, disclose, and sell
• Right to access a copy of the personal information we hold about you
• Right to delete personal information we have collected from you
• Right to correct inaccurate personal information
• Right to opt out of sale or sharing of your personal information
• Right to limit use of sensitive personal information
• Right to non-discrimination for exercising your privacy rights
• Right to data portability where applicable

California residents have additional rights under the CCPA/CPRA. Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and other state residents have substantially similar rights under their respective laws. We do not knowingly profile consumers in ways that produce legal or similarly significant effects.

To exercise any of these rights, contact us using the methods in Section 7. We will verify your identity through reasonable methods before fulfilling a request and respond within the timeframe required by applicable law (typically 30–45 days, with one possible extension as permitted by law).

How to opt out

• Opt out of telephone outreach. Reply STOP to any text message from us, ask the agent on a live call to add you to our internal DNC list, or email privacy@truefreedommarketing.com
• Opt out of sale or sharing of personal information. Email privacy@truefreedommarketing.com with the subject line "Do Not Sell or Share My Personal Information," or visit our Do Not Sell or Share page
• Opt out of marketing emails. Click the unsubscribe link in any marketing email from us
• Global Privacy Control. Where applicable, we honor browser-level Global Privacy Control (GPC) signals as opt-out requests

Authorized agents may submit requests on behalf of a consumer, subject to verification.

Data security & retention

Security. We maintain commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction. These include access controls, encryption in transit, vendor management, and regular review of our security practices. However, no method of internet transmission or electronic storage is 100% secure, and we cannot and do not guarantee absolute security.

Retention. We retain personal information for as long as reasonably necessary to:

• Fulfill the purposes for which it was collected
• Comply with legal, accounting, regulatory, or reporting obligations — including a minimum four-year retention of TCPA consent and call recording records
• Resolve disputes and enforce our agreements

After the applicable retention period, we securely delete or de-identify personal information.

Children's privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from individuals under 18, and we do not knowingly sell or share information of any consumer under 16 without affirmative authorization as required by law. If we become aware that we have collected personal information from a person under 18, we will delete it promptly. If you believe we may hold such information, contact us at privacy@truefreedommarketing.com.

Cookies & tracking technologies

Our website uses cookies and similar technologies to operate, analyze, and improve site performance. Categories include:

• Strictly necessary — required for the site to function and cannot be disabled
• Analytics — help us understand how visitors use our site so we can improve it
• Functional — remember preferences such as state selections and form progress

You may control or disable cookies through your browser settings, though disabling some cookies may affect site functionality. We honor Global Privacy Control (GPC) signals where applicable as opt-out requests for the sale and sharing of personal information.

Important disclaimers

• True Freedom Marketing is a marketing services company. We do not originate, fund, broker, or service mortgage loans.
• We do not provide legal, financial, tax, credit, or investment advice. Consumers should consult their own qualified advisors before making mortgage or financial decisions.
• We make no representation, warranty, or guarantee that any consumer will be approved for a mortgage product, will receive any particular rate or term, or will close on a loan.
• Rates, terms, fees, and product availability are determined independently by Lender Partners and are subject to change without notice.
• Our website and services are provided "as is" without warranties of any kind, except as required by applicable law.

Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be communicated through prominent notice on our website. Continued use of our services after any change constitutes acceptance of the updated policy.