Privacy Policy

We may collect the following categories of information:

• Contact information — name, email address, phone number, and messages you submit through contact forms, escalation requests, questionnaires, or MarkAI follow-up flows.
• Account information — if you create an account, we collect your email address, login credentials, display name, phone number, and profile preferences you choose to save (such as financial profile fields used to pre-fill calculators).
• Usage and activity data — pages visited, tools used, questionnaire answers, MarkAI chat messages and session titles, saved calculator progress, and similar interaction data tied to your account or an anonymous guest token.
• Device and technical data — browser type, general device information, IP address, referring URLs, and cookies or local/session storage used to keep you signed in or remember in-progress work.
• Scheduling data — if you book a call through a scheduling link on our site, that service collects information you provide directly to them under their own policies.

We do not intentionally collect sensitive categories of data beyond what you choose to enter (for example, income ranges or credit bands in educational questionnaires). Please do not submit Social Security numbers, full bank account numbers, or other highly sensitive identifiers through our website forms or chat.

We use collected information to:

• Respond to your inquiries and provide requested follow-up from Mark Dowling.
• Operate, maintain, and improve the website, calculators, MarkAI chat, and account features.
• Save your progress (questionnaires, MarkAI conversations, profile data) when you sign in or use guest save features.
• Send transactional messages related to your account (e.g., password reset emails).
• Analyze aggregate site usage to improve content and user experience.
• Comply with legal obligations and protect against fraud or misuse.

MarkAI provides general educational guidance only. Chat content is not used to make lending decisions on this website; any formal application occurs through separate licensed processes (such as external application links).

For users in jurisdictions that require a legal basis for processing, we rely on: (a) your consent when you submit forms or create an account; (b) our legitimate interests in operating and improving an educational mortgage and real estate resource; and (c) compliance with applicable law.

We do not sell your personal information. We may share information with:

• AI service providers — MarkAI chat and AI-generated reports may use third-party AI services to process your questions and tool results. We send conversation context (your messages, calculator inputs, and profile information you have saved) to generate responses. These providers process data on our behalf and are not permitted to use it for their own purposes.
• Service providers — trusted companies that help us host the site, keep it secure, deliver emails, and manage inquiries you submit through contact forms or questionnaires.
• Scheduling partners — when you book a meeting through a scheduling link on our site.
• External application platforms — if you click "Apply" or similar links, you leave our site and are subject to that provider's privacy policy.
• Legal and safety — when required by law, subpoena, or to protect rights, safety, and security.

We use browser storage (cookies, sessionStorage, and localStorage) to keep you signed in, remember questionnaire drafts, restore MarkAI chat sessions, and store guest progress tokens. We may also use analytics to understand how visitors use the site in aggregate.

You can control cookies through your browser settings. Disabling cookies may limit account features, saved progress, or chat continuity.

We retain information for as long as needed to provide services, maintain your account, meet legal and licensing record-keeping requirements, and resolve disputes. MarkAI sessions and questionnaire records may be archived after extended inactivity. You may request deletion of account-associated data subject to exceptions required by law or legitimate business needs.

We use reasonable administrative, technical, and physical safeguards to protect your information, including encrypted connections (HTTPS). No method of transmission or storage is completely secure; we cannot guarantee absolute security.

Depending on where you live, you may have the right to:

• Access, correct, or delete personal information we hold about you.
• Opt out of certain analytics or marketing communications (we do not sell personal data).
• Withdraw consent where processing is consent-based.

California residents may have additional rights under the CCPA/CPRA, including the right to know what personal information is collected and to request deletion, subject to exceptions. To exercise any rights, email mark@myhomeresource.com. We may verify your request before responding.

Our services are not directed to children under 16, and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact us and we will take appropriate steps to delete it.

Our site links to external websites (lenders, scheduling, social profiles, partner tools). We are not responsible for the privacy practices of those sites. Review their policies before providing personal information.

We may update this Privacy Policy from time to time. The "Last updated" date at the top will reflect the latest version. Material changes may be noted on the site. Continued use after updates constitutes acceptance of the revised policy.

For privacy questions, requests, or concerns, contact mark@myhomeresource.com. Mark Dowling, NMLS #239108, DRE #01042045, Aliso Viejo, CA.