Privacy Policy

Privacy Policy for 203kOnline aka Mike Young Team

Effective Date: November 18, 2025

203k Online ("we," "us," or "our") is committed to protecting the privacy of our website visitors and clients. This Privacy Policy outlines how we collect, use, and safeguard your information.

1. Information We Collect

We collect personal information that you voluntarily provide to us when you use our website, fill out a contact form, or communicate with us directly. The types of information we collect include:

Contact Information: Your name, email address, phone number, and physical address.
Service Information: Details you provide regarding your FHA 203k renovation loan needs and project details.
Usage Data: Information about how you access and use our website, which may include your IP address, browser type, pages visited, and the duration of your visit. This data is collected automatically through cookies and similar tracking technologies.

2. How We Collect Your Information

We collect data through:

Forms: When you submit information via our online contact or inquiry forms.
Cookies: We use cookies and similar technologies to enhance your browsing experience, analyze website traffic, and understand user behavior. You can manage your cookie preferences through your browser settings.
Direct Communication: When you contact us via email or phone.

3. How We Use Your Information

We use the information we collect for the following purposes:

To Provide Services: To respond to your inquiries, provide FHA 203k renovation loan consulting services, and manage our relationship with you.
Marketing and Communication: To send you information about our services, updates, newsletters, and promotional materials. You can opt out of marketing communications at any time.
Website Improvement: To monitor and analyze trends, usage, and activities in connection with our services to improve our website and offerings.
Security and Legal: To detect security incidents, protect against malicious or illegal activity, and comply with legal requirements, court orders, or governmental regulations.

4. Sharing Your Personal Information

We do not sell, trade, or otherwise transfer your personal information to any outside third parties, except in the following limited circumstances:

Legal Requirements: If we are required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
Business Transfers: In connection with the sale, merger, or acquisition of our company, your information may be transferred to the new owners, who will be bound by this privacy policy.
To Protect Rights: To protect the rights, property, or safety of 203k Online, our users, or others.

5. Data Security

We have implemented reasonable security measures (e.g., encryption, secure servers, firewalls) designed to protect your personal information from unauthorized access, use, or disclosure. However, please be aware that no security system is impenetrable.

6. Data Retention

We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy, or as required to comply with our legal obligations, resolve disputes, and enforce our policies.

7. Your Rights and Choices

Depending on your location (e.g., California, European Union), you may have specific rights regarding your personal information. These rights may include:

Access: The right to request copies of the personal data we hold about you.
Correction: The right to request that we correct any information you believe is inaccurate.
Deletion: The right to request that we erase your personal data under certain conditions.
Opt-Out: The right to object to our processing of your data for marketing purposes or other legitimate interests.

To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below.

8. Children's Privacy

Our website is not intended for use by children under the age of 13, and we do not knowingly collect personally identifiable information from children under 13.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

203k Online
1194 Heritage Farm Road, Hickory, NC 28601-9353
Email: mike@203konline.com
Phone: 916-758-1809
Website: https://www203konline.com