Privacy Policy / Terms of Service | ADA Accessibility Statement

This Privacy Policy explains how MMA Consulting LLC ("Company") collects, uses, maintains, and discloses information from users (each, a "User"). It applies to the company’s website ("Site") and all products and services offered by MMA Consulting LLC

Personal Identification Information:

We may collect personal identification information from Users in various ways, including when Users visit the Site, register, subscribe to newsletters, respond to surveys, fill out forms, or engage in other activities, services, features, or resources available on the Site. Users may be asked for their name, email address, or phone number. However, Users may visit the Site anonymously.

We collect personal information only if Users voluntarily provide it. Users can refuse to provide personal information, though this may limit access to certain features or services on the Site.

Non-Personal Identification Information:

We may collect non-personal identification information whenever Users interact with the Site. This data may include the browser type, computer operating system, internet service provider, and other technical details about the User’s interaction with the Site.

Web Browser Cookies:

Our Site may use cookies to enhance User experience. Cookies are stored on the User’s device for record-keeping and tracking purposes. Users can adjust their browser settings to refuse cookies or alert them when cookies are being sent. However, some features of the Site may not function properly without cookies.

How We Use Collected Information:

In compliance with §5.1.4 of CTIA Messaging Principles and Best Practices, we do not share mobile information with third parties or affiliates for marketing or promotional purposes. Your messaging opt-in data and consent will remain private and will not be disclosed to any external entities.

We may use Users' personal information for the following purposes:

• To improve customer service: Information helps us respond more effectively to inquiries and support requests.
• To personalize user experience: We use aggregated data to understand how Users engage with the Site.
• To improve the Site: Information allows us to send messages to Users who have consented to such communications.
• To complete requested services: Personal information is used to fulfill the services or transactions requested by the User.

User Messaging Consent:

Users consent to messaging by filling out forms on our website. These forms provide options to receive notifications and allow Users to opt into receiving product updates and/or marketing messages by checking a designated box. Each form displays a messaging disclosure for full transparency.

By submitting your phone number, you authorize MMA Consulting LLC to send you notifications and text messages. Message frequency may vary. Standard message/data rates apply. Reply STOP to unsubscribe at any time.

Protection of Sensitive Data:

MMA Consulting LLC takes the security of nonpublic personal information seriously. We collect such information to make informed decisions about granting credit and restrict access to it based on need. Physical, electronic, and procedural safeguards in compliance with federal regulations are in place to protect this data.

We collect nonpublic information from the following sources:

• Information provided by you: Applications, forms, and other documents.
• Information about transactions: Payment history and loan balances.
• Consumer reporting agencies: Credit history, credit score, and creditworthiness.

We do not disclose any nonpublic personal information about customers or former customers except as permitted by law. Information may be shared with companies performing marketing services on our behalf or with financial institutions in joint marketing agreements.

Opt-Out and Consumer Rights:

• Opt-Out Option: If you prefer that we do not share your nonpublic information with nonaffiliated third parties, you may opt out by signing and returning the privacy policy form included with your mortgage application.
• Joint Applicants: If multiple applicants apply jointly, one borrower may act on behalf of all to opt out. Co-borrowers cannot opt out individually.
• Social Security Number Protections: MMA Consulting LLC protects documents and systems containing social security numbers. We collect them only when required by law or the mortgage application process. Access to this information is limited to authorized personnel, and documents are securely stored and destroyed.

California Privacy Notice:

In compliance with California law, MMA Consulting LLC ensures that social security numbers and other personal data are only transmitted over secure and/or encrypted connections. Documents containing sensitive information are destroyed securely to maintain confidentiality.

Your Rights and Requests:

You have the right to:

• Access your personal information.
• Opt out of the "sale" of personal information (note: MMA Consulting LLC does not sell your personal data).
• Request the deletion of your personal information.

Contact Us:

If you have any questions, comments, or concerns about this Privacy Policy, please contact us at:

• Email: info@mmaconsulting.com
• Phone: +971 58 530 4599

This Privacy Policy reflects our commitment to transparency, user privacy, and regulatory compliance. By using our Site, you agree to the terms of this policy.