Privacy Policy

Effective Date: January 1, 2026
Last Updated: October 16, 2026
Website: HomeLoanToolbox.com

1. Information We Collect

Information You Provide Voluntarily

HomeLoanToolbox.com does not collect your name, email address, phone number or other contact information through this website. If you email us directly, we use your message only to respond to you.

When you click a button to speak with a mortgage advisor, you leave HomeLoanToolbox.com and go to a form hosted on the GoHighLevel (LeadConnector) platform and monitored by F1 Lenders, the team brand of Dustin Dumestre, NMLS #2145464, operating under NEXA Lending LLC, NMLS #1660690. Information you submit on that form is collected and managed by F1 Lenders, not by HomeLoanToolbox.com, and is governed by the F1 Lenders Privacy Policy.

Information Collected Automatically

Like most websites, HomeLoanToolbox.com collects certain information automatically when you visit, including:

• IP address and approximate geographic location
• Browser type and version
• Operating system
• Pages visited, time spent on pages, and referring URLs
• Device type (desktop, mobile, tablet)

This information is collected through standard web server logs and analytics tools. It is used to understand how visitors use the site, improve content, and troubleshoot technical issues.

Our site header displays local weather. To do this, your browser sends your IP address to a third-party location service (GeoJS, with ipapi.co as a backup) to determine your approximate city, then requests that city’s weather from OpenWeatherMap. HomeLoanToolbox.com does not store this lookup.

2. Cookies and Tracking Technologies

HomeLoanToolbox.com uses cookies and similar tracking technologies. Cookies are small text files stored on your device. We use them for the following purposes:

Analytics Cookies

We use analytics tools (such as Google Analytics) to understand how visitors use this website. These cookies help us analyze traffic patterns, identify popular content, and improve the site experience. Analytics data is aggregated and does not personally identify individual visitors.

Advertising Cookies (Google AdSense)

This website participates in Google AdSense, Google’s advertising program. Google uses cookies to serve ads based on your prior visits to this website and other websites. Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to this site and/or other sites on the internet.

You may opt out of personalized advertising by visiting Google’s Ads Settings. You can also opt out of a third-party vendor’s use of cookies for personalized advertising by visiting aboutads.info.

Managing Cookies

Most browsers allow you to refuse or delete cookies through your browser settings. Disabling cookies may affect the functionality of some features of this site. Please refer to your browser’s help documentation for instructions on managing cookies.

3. How We Use Your Information

Information collected on this website is used to:

• Operate and improve the website and its content
• Respond to messages you send us by email
• Analyze site traffic and user behavior to improve content and tools
• Serve relevant advertising through Google AdSense
• Comply with applicable legal requirements

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

Mortgage Advisor Requests

HomeLoanToolbox.com does not pass your information to F1 Lenders or any other party. If you choose to contact F1 Lenders, you provide your information to them directly, under the F1 Lenders Privacy Policy.

Service Providers

We may share information with trusted service providers who assist in operating this website (such as hosting providers, analytics platforms, and CRM tools). These providers process information only to deliver their services, under their own terms and privacy policies.

Aggregated Statistics

We may share aggregated, de-identified information, such as the number of visits to our state guide pages by state or metro area, with advertisers and business partners. This information does not identify you.

Legal Requirements

We may disclose information if required to do so by law or in response to valid legal process (such as a court order or subpoena).

5. Google AdSense and Third-Party Advertising

This website uses Google AdSense to display advertisements. Google AdSense is a third-party advertising service operated by Google LLC. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website and other websites.

Google’s advertising requirements can be found in the Google Advertising Policies. We have implemented Google AdSense on this site in compliance with Google’s program policies.

We do not control the content of advertisements served by Google AdSense. The placement of ads on this site does not constitute an endorsement of any advertised product, service, or company.

6. Data Security

We implement reasonable technical and organizational measures to protect the information collected on this website from unauthorized access, disclosure, or destruction. However, no method of internet transmission or electronic storage is completely secure. We cannot guarantee absolute security of your information.

7. Children’s Privacy

HomeLoanToolbox.com is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

8. Links to Third-Party Websites

This website may contain links to third-party websites, including government agencies (HUD, VA, USDA), lenders, and other resources. These links are provided for informational convenience. HomeLoanToolbox.com is not responsible for the privacy practices or content of any third-party website. We encourage you to review the privacy policies of any site you visit through a link on this site.

9. California Privacy Rights

If you are a California resident, you may have certain rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected about you, the right to request deletion of your personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, please contact us using the information below.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of this website after any changes constitutes your acceptance of the updated policy.

11. Contact Information

If you have questions about this Privacy Policy, want to exercise your privacy rights, or wish to report a privacy concern, please email support@homeloantoolbox.com or call 385-337-4283.