Privacy Policy

1. Who we are

Krevoy Team is a marketing team of California-licensed Mortgage Loan Originators sponsored by The Turnkey Foundation, Inc. dba Arbor Financial Group (NMLS #236669), a California-licensed mortgage broker. The MLOs operating under the Krevoy Team brand are Barry Krevoy (NMLS #923896) and Shane Krevoy (NMLS #1295481).

Our principal contact for privacy questions is:

Krevoy Team Email: [email protected]

Consumer license verification: https://www.nmlsconsumeraccess.org

2. Information we collect

We collect the following categories of information when you use the Services.

Information you give us directly through forms on the Site:

• Full name
• Email address
• Phone number (mobile and/or landline)
• Mailing address or property location (city, state, ZIP)
• Estimated household income or income range
• Self-reported credit score range
• Employment status and length of employment
• Down payment range or available funds
• Target home price range
• Desired loan type or loan program interest
• Timeline for purchase
• Whether you are a first-time homebuyer
• Other voluntary information you provide in free-text fields

Information collected automatically:

• IP address and approximate location derived from IP
• Browser type, device type, and operating system
• Referring URL and pages viewed on the Site
• Date and time of each visit
• Cookies, pixels, and similar tracking technologies (see Section 8)

Information from third parties:

• We may receive information about you from advertising platforms (such as Meta, Google, and LinkedIn) when you click an ad that leads to the Site.
• We may receive information from public records or credit reporting agencies only after you have separately authorized a full mortgage application; the Services on this Site do not pull credit and do not constitute a credit application.

3. How we use your information

We use the information we collect for the following purposes:

• To respond to your inquiry and provide the educational and pre-qualification content you requested
• To contact you by phone, SMS text message, or email about your homebuyer readiness, your interest in a mortgage, and related follow-up
• To match you with appropriate next steps, including (if you choose) a full mortgage pre-approval submitted through our sponsoring broker, Arbor Financial Group
• To improve the Site, our forms, and our educational content
• To comply with applicable laws, including fair-lending laws and recordkeeping requirements
• To detect, prevent, and respond to fraud, abuse, or security incidents

We do not sell your personal information for advertising purposes.

4. Fair lending and pre-qualification disclosures

The Services on this Site are educational and pre-qualification tools only. Submitting any form on this Site:

• Does not constitute a mortgage application
• Does not result in a credit pull
• Does not guarantee approval for any loan program
• Does not lock any interest rate

A full mortgage application requires separate written authorization and is handled through the sponsoring broker, Arbor Financial Group, in accordance with applicable licensing rules. All loan decisions are made in accordance with applicable federal and state fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act.

We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or any other basis prohibited by applicable law.

5. SMS and call communications consent

When you submit a form on the Site and provide your phone number, you consent to receive SMS text messages and phone calls from Krevoy Team Mortgage Loan Originators, and from Arbor Financial Group as the sponsoring broker, regarding your homebuyer readiness and mortgage inquiry. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP to any text message, or by emailing [email protected]. You may opt out of phone calls by telling the representative on a call or by emailing the address above.

Opting out of marketing communications does not affect communications that are necessary to service an existing application or loan, where applicable.

6. How we share your information

We share your information only with the following categories of recipients:

• Service providers that operate our infrastructure on our behalf, including form hosting (Jotform), CRM and marketing automation (GoHighLevel), email and SMS delivery providers, web analytics providers, and similar vendors, all under contracts that restrict their use of your information.
• Arbor Financial Group, our sponsoring California-licensed mortgage broker, when you indicate interest in moving forward with a mortgage pre-approval or application. All loan files originated by Krevoy Team MLOs are handled within Arbor's licensed brokerage.
• Government authorities or other parties, when required to do so by law, subpoena, court order, or in response to a verified legal request, or to protect the rights, property, or safety of Krevoy Team, our users, or others.
• Acquirers, in the event of a merger, acquisition, financing, or sale of all or part of our business; if such a transfer occurs, you will be notified and your information will continue to be protected by a privacy policy substantially similar to this one.

We do not share your information with unaffiliated third parties for their own independent marketing purposes.

7. Your rights and choices

Depending on where you live, you may have the following rights regarding your personal information:

• Right to know what personal information we have collected about you
• Right to access a copy of that information
• Right to correct inaccurate information
• Right to delete your information, subject to legal recordkeeping requirements
• Right to opt out of certain uses of your information
• Right to nondiscrimination for exercising any of these rights

California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to limit the use of sensitive personal information.

To exercise any of these rights, email [email protected]. We will respond within the timeframe required by applicable law.

8. Cookies and tracking technologies

The Site uses cookies, pixels, and similar technologies to operate the Site, measure performance, and (where you have consented or where permitted by law) deliver and measure advertising.

You can disable cookies in your browser settings. Disabling cookies may affect Site functionality. The Site honors Global Privacy Control (GPC) signals where required by applicable law.

9. Data security

We use commercially reasonable administrative, technical, and physical safeguards to protect your information, including encryption in transit, access controls, and vendor due diligence. No system can be guaranteed to be completely secure; if we become aware of a security incident affecting your information, we will notify you as required by applicable law.

10. Data retention

We retain your information only as long as needed to provide the Services, comply with legal recordkeeping obligations (which for mortgage-related inquiries can be several years under federal law), resolve disputes, and enforce our agreements. When information is no longer required, we delete or de-identify it.

11. Children

The Site and the Services are not directed to children under 18, and we do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us at [email protected] and we will delete it.

12. International users

The Site is operated from the United States and is intended for U.S. residents. If you access the Site from outside the United States, you understand that your information will be transferred to, stored, and processed in the United States.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page and, when changes are material, we will provide additional notice on the Site or by email.

14. Contact

Questions or requests about this Privacy Policy should be directed to:

Krevoy Team Email: [email protected]

Licensing and broker information:

• Barry Krevoy, MLO, NMLS #923896
• Shane Krevoy, MLO, NMLS #1295481
• Sponsoring Broker: The Turnkey Foundation, Inc. dba Arbor Financial Group, NMLS #236669, Equal Housing Lender
• Verify any license at https://www.nmlsconsumeraccess.org