PRIVACY POLICY

Effective date: 2026-06-02

1. Introduction

Welcome to DC's Mortgage & Insurance Agency.

DC's Mortgage & Insurance Agency ("we", "us", or "our") operates www.dcmia.com (the "Service"). This Privacy Policy explains how we collect, use, retain, disclose, and protect information resulting from your use of the Service. By using the Service you agree to the collection and use of information in accordance with this policy. Our Terms and Conditions govern all use of the Service and, together with this Privacy Policy, form the agreement between you and us.

"Text messaging originator opt-in data and consent will not be sold, rented, or shared with any external third parties, marketing partners, or affiliates under any circumstances." 

"SMS opt-in data cannot be shared even with consumer consent."

 2. Definitions

Service — the www.dcmia.com website operated by DC's Mortgage & Insurance Agency.

Personal Data — data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

Usage Data — data collected automatically either generated by the use of Service or from Service infrastructure itself (for example, the duration of a page visit).

Cookies — small files stored on your device (computer or mobile device).

Data Controller — the natural or legal person who determines the purposes and means of processing Personal Data; for this policy, we are the Data Controller.

Data Processor / Service Provider — any natural or legal person who processes data on behalf of the Data Controller.

Data Subject — any living individual who is the subject of Personal Data.

User — the individual using our Service; corresponds to the Data Subject.

SMS Opt‑In Data — text messaging originator opt‑in records, timestamps of consent, the phone number used for opt‑in, the content of the opt‑in message, and any metadata or logs that demonstrate a consumer's consent to receive SMS messages.

3. Information Collection and Use

We collect several types of information to provide and improve the Service.

Personal Data we may collect: email address; first and last name; phone number; address (country, state, province, ZIP/postal code, city); cookies and Usage Data. We may also collect other data you provide such as sex, age, date of birth, passport details, employment information, and other items listed in the Types of Data Collected section below.

Usage Data: may include IP address, browser type and version, pages visited, time and date of visit, time spent on pages, device type and identifiers, operating system, and diagnostic data.

Location Data: we may use and store location information if you give permission; you can enable or disable location services via your device settings.

Cookies and tracking technologies: we use Session, Preference, Security, and Advertising Cookies. You can instruct your browser to refuse cookies, but some Service features may not function without them.

4. Types of Data Collected (consolidated)

Personal Data: Email address; first and last name; phone number; address (country, state, province, ZIP/postal code, city); cookies and Usage Data.

Other Data: sex; age; date of birth; place of birth; passport details; citizenship; registration at place of residence and actual address; telephone numbers (work, mobile); education and employment details; compensation information; marital status and family members; social security or taxpayer identification numbers; office location; and other data you provide.

Usage Data and Device Data: IP address; browser type and version; pages visited; timestamps; device identifiers; operating system; diagnostic data.

Location Data: only collected with your permission.

SMS Opt‑In Data: defined above; collected only when you opt in to receive SMS messages.

5. Use of Data

We use collected data for the following purposes:

●     Provide and maintain the Service.

●     Notify you about changes to the Service.

●     Enable interactive features when you choose to use them.

●     Provide customer support.

●     Gather analysis and improve the Service.

●     Monitor usage and detect, prevent, and address technical issues.

●     Fulfil purposes for which you provide data.

●     Carry out obligations and enforce rights arising from contracts (including billing and collection).

●     Provide account and subscription notices (expiration, renewal, instructions).

●     Provide news, special offers, and information about goods or services similar to those you purchased or enquired about, unless you opt out.

●     Any other purpose described when you provide the information, or with your consent, except as limited below.

Important exception: SMS Opt‑In Data is strictly excluded from any sharing or disclosure for marketing or promotional purposes. See Section 8 for the absolute no‑share rule.

6. Retention and Security

Retention: We retain Personal Data only as long as necessary for the purposes set out in this Privacy Policy, to comply with legal obligations, resolve disputes, and enforce agreements. Usage Data is generally retained for a shorter period unless needed for security or functionality improvements. We retain SMS Opt‑In Data only as necessary to demonstrate compliance with messaging laws and carrier/platform rules and to process opt‑out requests; retention periods will reflect legal and carrier requirements.

Security: We use commercially reasonable administrative, technical, and physical safeguards to protect Personal Data. No method of transmission or storage is 100% secure; we cannot guarantee absolute security. Access to SMS Opt‑In Data is strictly limited to authorized personnel for compliance and support purposes; we maintain audit logs of access and apply industry‑standard controls.

7. Transfer of Data

Your information may be transferred to and maintained on computers located outside your state, province, country, or other governmental jurisdiction where data protection laws may differ. If you are located outside the United States and provide information to us, please note we transfer and process data in the United States. By submitting information you consent to this transfer. We take reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy and will not transfer Personal Data to an organization or country unless adequate controls are in place.

8. Mobile Messaging & SMS Privacy — Absolute No‑Share Clause

SMS Opt‑In Data No‑Share Clause

Text messaging originator opt‑in data, SMS consent records, and any metadata tied to SMS opt‑in (collectively, "SMS Opt‑In Data") will never be sold, rented, leased, shared, transferred, or otherwise disclosed to any third party, marketing partner, affiliate, or vendor for marketing or promotional purposes under any circumstances. This prohibition is absolute and applies even if a consumer provides consent.

General mobile messaging rules: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt‑in data and consent will not be sold, rented, or shared with any external third parties, marketing partners, or affiliates under any circumstances. If you wish to stop receiving text messages from us, reply STOP to any text message sent from us. For more information, reply HELP. Message and data rates may apply.

Retention for compliance only: We retain SMS Opt‑In Data only as necessary to demonstrate compliance with messaging laws and carrier/platform rules and to process opt‑out requests. Retained SMS Opt‑In Data will not be used for marketing or shared with third parties.

9. Disclosure of Data (consolidated and limited)

We may disclose Personal Data in the following limited circumstances, excluding SMS Opt‑In Data from all disclosures:

●     Law enforcement: when required by law or valid public authority requests.

●     Business transactions: in connection with a merger, acquisition, or asset sale (SMS Opt‑In Data will not be transferred for marketing purposes).

●     Subsidiaries, affiliates, contractors, and service providers: only to perform services on our behalf and only where necessary; SMS Opt‑In Data is excluded from such disclosures for marketing or promotional use.

●     To fulfill the purpose for which you provide the information.

●     To protect rights, property, or safety of the Company, customers, or others.

●     With your consent: except that SMS Opt‑In Data is strictly excluded and will not be shared under any circumstances, even with consumer consent.

Service Providers who receive Personal Data are contractually required to protect it and use it only to provide the requested services.

10. Your Rights (GDPR, CCPA, CalOPPA)

GDPR (EU/EEA residents): You have rights to access, correct, delete, restrict processing, object to processing, data portability, and withdraw consent where processing is based on consent. To request information or deletion, email info@dcmia.com. We may ask you to verify your identity before responding. Note that we may not be able to provide Service without some necessary data.

CCPA (California residents): You may request: (1) the categories of personal information collected; (2) categories of sources; (3) business or commercial purpose for collection; (4) categories of third parties with whom we share information; (5) specific pieces of personal information collected; (6) categories of personal information sold (if any) and to whom; (7) categories disclosed for a business purpose and to whom. You may request deletion of your personal information. We do not sell or rent personal information for monetary consideration. SMS Opt‑In Data and consent will never be sold, shared, or transferred for marketing purposes. To exercise CCPA rights, email info@dcmia.com. You may make up to two requests in a rolling 12‑month period.

CalOPPA: Users can visit our site anonymously; our Privacy Policy link includes the word "Privacy" and is easy to find on the home page; users will be notified of policy changes on the Privacy Policy page; users can change personal information by emailing info@dcmia.com. We honor Do Not Track signals.

11. Service Providers, Analytics, CI/CD, and Remarketing

Service Providers: We may employ third parties to facilitate the Service. They have access to Personal Data only to perform tasks on our behalf and are contractually prohibited from using it for other purposes. SMS Opt‑In Data is excluded from sharing for marketing or promotional use.

Analytics: We may use third‑party analytics providers to monitor and analyze Service usage.

CI/CD tools: We may use third‑party providers to automate development processes.

Behavioral remarketing: We may use remarketing services to advertise on third‑party websites after you visit our Service; however, SMS Opt‑In Data will not be used for remarketing or shared with remarketing vendors.

12. Links to Other Sites

Our Service may contain links to third‑party sites. We are not responsible for their content, privacy policies, or practices. We strongly advise you to review the privacy policy of every site you visit.

13. Children's Privacy

Our Services are not intended for children under 18. We do not knowingly collect personally identifiable information from children under 18. If you become aware a child has provided Personal Data, contact us and we will take steps to remove that information.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of changes by posting the new Privacy Policy on this page and, where appropriate, via email or a prominent notice on the Service prior to the change becoming effective. We will update the Effective date at the top. You are advised to review this Privacy Policy periodically.

15. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at: info@dcmia.com.

Quick Reference

• By opting in to receive SMS messages from DC’s Mortgage & Insurance Agency, you agree to these SMS Terms and Conditions.

• Message frequency varies. Message and data rates may apply.

• Reply STOP to cancel at any time. Reply HELP for assistance.

• SMS Opt-In Data is never sold, shared, or transferred for marketing purposes.

1. Program Description

DC’s Mortgage & Insurance Agency (“DCMIA,” “we,” “us,” or “our”) offers an SMS messaging program that allows us to communicate with you via text message for purposes including but not limited to:

• Mortgage application status updates and next-step notifications.

• Insurance policy reminders, renewal notices, and expiration alerts.

• Appointment confirmations and scheduling reminders.

• Responses to customer service inquiries submitted through our websites (www.dcmia.com).

• General account and service notices.

• Information about products or services you have requested or inquired about.

These SMS Terms and Conditions (“SMS Terms”) apply to all text messages sent by or on behalf of DCMIA. By enrolling or opting in, you agree to be bound by these SMS Terms, our full Terms and Conditions, and our Privacy Policy.

2. Consent and Opt-In

How to Opt In. You may opt in to receive SMS messages from DCMIA by: (a) submitting a web form on www.dcmia.com that includes an SMS consent checkbox; (b) texting a designated keyword to our SMS short code or long code as advertised; or (c) verbally providing consent during a phone consultation, which will be documented. You must be 18 years of age or older to opt in.

Consent is Not a Condition of Purchase. Your consent to receive SMS messages is not required as a condition of purchasing any product or service from DCMIA.

Prior Express Written Consent. Where required by applicable law, including the Telephone Consumer Protection Act (TCPA), we will obtain your prior express written consent before sending marketing-related SMS messages.

Confirmation Message. After you opt in, you will receive a one-time confirmation text message confirming your enrollment. This message will include program name, message frequency disclosure, STOP and HELP instructions, and a notice that message and data rates may apply.

3. Message Frequency

Message frequency varies depending on your account activity, service needs, and the nature of your relationship with DCMIA. You may receive transactional messages (such as application updates or appointment reminders) as events occur and informational messages as needed. We will not send excessive or unsolicited messages unrelated to the purposes described in Section 1.

4. Message and Data Rates

Message and data rates may apply to all SMS messages sent to or received from DCMIA. These charges are billed by your mobile carrier and are subject to your wireless service plan. DCMIA is not responsible for any charges imposed by your carrier. Please contact your wireless carrier for details about applicable fees.

5. How to Opt Out (STOP)

Opting Out. You may opt out of receiving SMS messages from DCMIA at any time by replying STOP to any text message sent from us. After we receive your STOP request, we will send you a one-time confirmation message and you will receive no further SMS messages from DCMIA unless you opt in again.

Other Opt-Out Methods. You may also opt out by emailing info@dcmia.com with your name, phone number, and a request to be removed from our SMS program.

Effect of Opting Out. Opting out of SMS messages does not affect any other communication preferences you have established with DCMIA (e.g., email or phone). Opting out also does not cancel any service agreements or affect your account status.

6. Help

For assistance with our SMS program, reply HELP to any text message from DCMIA. You may also contact us directly at info@dcmia.com or visit www.dcmia.com. Standard STOP and HELP commands are supported.

7. Supported Carriers

Our SMS program is available on most major U.S. wireless carriers, including but not limited to AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, Cricket Wireless, U.S. Cellular, and Metro by T-Mobile. Carrier support is subject to change. DCMIA is not liable for delays or failures in message delivery caused by your wireless carrier or network conditions.

8. SMS Opt-In Data — Absolute No-Share Clause

The following provisions apply to all SMS Opt-In Data (as defined below) and are consistent with our Privacy Policy.

Definition. “SMS Opt-In Data” means text messaging originator opt-in records, timestamps of consent, the phone number used for opt-in, the content of the opt-in message, and any metadata or logs that demonstrate your consent to receive SMS messages from DCMIA.

Absolute No-Share Rule. SMS Opt-In Data will never be sold, rented, leased, shared, transferred, or otherwise disclosed to any third party, marketing partner, affiliate, or vendor for marketing or promotional purposes under any circumstances. This prohibition is absolute and applies even if you have provided separate consent.

No Sharing with Affiliates for Marketing. No mobile information — including SMS Opt-In Data — will be shared with third parties or affiliates for marketing or promotional purposes.

Compliance Retention Only. We retain SMS Opt-In Data only as necessary to demonstrate compliance with applicable messaging laws (including TCPA and state equivalents) and wireless carrier requirements, and to process opt-out requests. Retained SMS Opt-In Data will not be used for marketing purposes.

Access Controls. Access to SMS Opt-In Data is strictly limited to authorized DCMIA personnel for compliance and customer support purposes. We maintain audit logs of access and apply industry-standard security controls.

9. Privacy

The collection, use, and protection of your personal information, including phone numbers and SMS Opt-In Data, is governed by our Privacy Policy available at www.dcmia.com. The Privacy Policy is incorporated into these SMS Terms by reference. By participating in our SMS program, you acknowledge that you have read and understood our Privacy Policy.

10. Liability and Disclaimers

No Guarantee of Delivery. DCMIA does not guarantee that SMS messages will be delivered or received. Delivery is subject to the availability and reliability of wireless networks and carrier systems, which are outside our control.

Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DCMIA SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR PARTICIPATION IN OUR SMS PROGRAM, INCLUDING ANY CHARGES INCURRED FROM YOUR WIRELESS CARRIER.

Indemnification. You agree to indemnify and hold harmless DCMIA, its officers, directors, employees, agents, and service providers from and against any claims, damages, or expenses (including reasonable attorneys’ fees) arising from your violation of these SMS Terms or applicable law.

11. Compliance with Applicable Law

Our SMS program is operated in compliance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, the California Consumer Privacy Act (CCPA), applicable state telemarketing laws, and the guidelines issued by the Cellular Telecommunications and Internet Association (CTIA) and wireless carrier requirements. We reserve the right to modify these SMS Terms at any time to maintain compliance with applicable law or carrier requirements.

12. Changes to These SMS Terms

We may update these SMS Terms from time to time. We will notify you of material changes by posting the updated SMS Terms on our website and, where appropriate, by sending you a notification via SMS or email prior to the change becoming effective. Continued use of our SMS program after the effective date of any changes constitutes your acceptance of the updated SMS Terms.

13. Contact Us

If you have questions about these SMS Terms or our messaging program, please contact us at:

DC’s Mortgage & Insurance Agency

Email: info@dcmia.com

Website: www.dcmia.com

This Privacy Policy was created for www.dcmia.com by PolicyMaker.io on 2026-06-02.