Privacy Policy

UPDATED: 1/1/2026

1. Introduction

This Privacy Policy explains how Hard Work Trap LLC, DBA Mortmo ("we," "us," or "our"), located at 30 N Gould St Ste R, Sheridan, WY 82801, collects, uses, shares, and protects your information when you use our website (the "Site"). The Site connects USA homeowners and home buyers with vetted local lenders for mortgage or refinance options via an assessment quiz and form submission. By using the Site, you consent to our practices. We may update this Policy; changes will be posted here, with the "Effective Date" updated.

Effective Date: January 1, 2026

2. Information We Collect

Personal Information You Provide: Through the assessment quiz and submission form, we collect your name, current address (if applicable), email address, phone number, and quiz responses (e.g., needs related to home finance options).

Automatically Collected Information: When you visit the Site, we may collect device information (e.g., browser type, operating system), IP address, usage data (e.g., pages viewed, time spent), and cookies or similar technologies for functionality and analytics.

No Collection from Children: We do not knowingly collect information from individuals under 13. If we learn we have such data, we will delete it. The Site is intended for users 18+.

We do not collect sensitive financial details like credit scores or bank info directly; quiz responses may imply financial needs.

3. How We Use Your Information

To provide services: Match you with lenders based on your quiz and submissions.

To communicate: Send confirmations or updates via email, text, or call.

For analytics and advertising: Improve the Site and target ads using tools like Google Analytics (which tracks usage) and Meta Pixels (for retargeting).

For legal compliance: As required by law or to protect our rights.

We do not use automated decision-making that significantly affects you.

4. Sharing Your Information

We share your personal information (name, address, email, phone, quiz responses) with vetted local lenders to facilitate connections. We receive commissions for these leads, which may constitute a "sale" under CCPA for California residents. We do not sell your data to unrelated third parties.

We may also share with:

Service providers: For analytics (Google Analytics) and advertising (Meta Pixels).

Legal authorities: If required by law, subpoena, or to prevent harm.

Business transfers: In mergers or acquisitions.

5. Cookies and Tracking Technologies

We use cookies for essential functions, analytics, and personalized ads. Google Analytics and Meta Pixels may track your behavior across sites for ad targeting. You can manage cookies via browser settings, but this may limit Site functionality. For opt-outs: Visit Google's opt-out page or Meta's ad settings.

6. Data Security

We use encryption (e.g., SSL/TLS) to protect data in transit and at rest. We implement reasonable administrative, technical, and physical safeguards, such as access controls and firewalls, to prevent unauthorized access. However, no system is 100% secure; we cannot guarantee absolute protection.

7. Data Retention

We retain your information indefinitely for service provision, analytics, & legal purposes, unless you request deletion or we no longer need it.

8. Your Rights and Choices

Access, Correction, Deletion: You may request access to, correction of, or deletion of your data by emailing [email protected]. We will respond within a reasonable time (e.g., 45 days under CCPA).

Opt-Out of Communications: Use unsubscribe links in emails or reply STOP to texts.

Opt-Out of Sharing/Sales (CCPA): California residents can opt out of data "sales" via [email protected]. We do not knowingly sell data of minors under 16.

Do Not Track: We do not respond to browser DNT signals.

Other Rights: Depending on your state (e.g., Virginia, Colorado), you may have additional rights; contact us for details.

9. International Transfers

All data is processed in the USA. No international transfers occur.

10. Third-Party Practices

Links to lender sites or third-party tools (e.g., Google, Meta) are governed by their privacy policies. We are not responsible for their practices

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11. Contact Us

For privacy questions, requests, or concerns, mail to 30 N Gould St Ste R, Sheridan, WY 82801.

12. Additional Disclosures

California Residents (CalOPPA/CCPA): We track users across time/sites for ads but honor opt-outs.

GLBA Notice: As a non-financial institution, we provide this policy in lieu of annual GLBA notices, but we safeguard nonpublic personal info shared with lenders.

Changes: We will notify you of material changes via email or Site notice.