This Privacy Policy describes how Boring Media Network LLC ("Boring Media," "we," "us," or "our"), which operates the website located at brakedebt.com (the "Site"), collects, uses, and shares information about you. By using the Site or submitting information through it, you agree to the practices described in this Policy.
01 Information We Collect
When you use the Site and complete our questionnaire, we collect information you voluntarily provide, which may include:
- Your name, telephone number, email address, and property address;
- Your refinance details, such as your estimated home value, current mortgage balance, current interest rate, estimated available equity, the amount you are looking to access, estimated credit score range, property type, and your reason for seeking cash-out refinancing (such as debt consolidation, home improvement, or other expenses);
- Records of your consent, including a TrustedForm certificate documenting your form submission.
We also automatically collect certain technical information when you visit the Site, such as your device type, browser, IP address, and how you interact with the Site. This may be collected through cookies, pixels, and similar technologies used by us and our advertising and analytics providers.
02 How We Use Your Information
We use the information we collect to:
- Respond to your request and provide information about cash-out refinance and home equity options;
- Contact you by phone, automated and AI-assisted SMS/MMS text message, and email regarding your inquiry, as authorized by your consent;
- Connect you with a mortgage refinance partner matched to your request;
- Operate, maintain, and improve the Site, including measuring the performance of our advertising;
- Maintain records of your consent and communications preferences;
- Comply with applicable laws and protect against fraud or misuse.
03 SMS / Text Messaging
If you provide your telephone number and consent on our form, you authorize Boring Media Network LLC and the mortgage refinance partner matched to your request to contact you using automated and AI-assisted text messaging, including for marketing purposes, at the number you provided. Some of these messages may be sent by an automated system rather than a live person.
Message and data rates may apply, and message frequency varies. Your consent to receive text messages is not a condition of any purchase. You may opt out at any time by replying STOP to any text message. Reply HELP for help. We will honor opt-out requests as required by law. Mobile opt-in data and consent are not shared with third parties for their own marketing purposes.
04 How We Share Your Information
We share your information with:
- Mortgage refinance partners matched to your request, so they can contact you about mortgage refinancing, home equity and cash-out options, rate-and-term refinancing, and related financial products and services. A current list of these partners is available on our Marketing Partners page;
- Service providers who perform functions on our behalf, such as communications, hosting, analytics, and consent verification;
- Legal and safety recipients, where required by law, regulation, legal process, or to protect rights, property, or safety.
We do not sell your personal information to unrelated third parties for their own independent marketing purposes. We share your information only as described in this Policy and as authorized by the consent you provide when submitting our form.
05 Your Choices
- Text messages: Reply STOP to opt out.
- Email: Use the unsubscribe link in any email, or contact us directly.
- Calls: Ask any caller to stop contacting you, or contact us directly. You may revoke your consent to be contacted at any time using any reasonable method, including by contacting us at the email or address below.
- Access and deletion: Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information. To make a request, contact us using the information below. We will verify and respond to requests as required by applicable law.
06 Data Retention and Security
We retain your information for as long as necessary to fulfill the purposes described in this Policy, to maintain records of your consent, and to comply with our legal obligations. We use reasonable administrative, technical, and physical safeguards to protect your information; however, no method of transmission or storage is completely secure.
07 Children's Privacy
The Site is not directed to individuals under 18, and we do not knowingly collect personal information from children.
08 Changes to This Policy
We may update this Policy from time to time. Changes are effective when posted to this page with a revised effective date.
09 Contact Us
If you have questions about this Policy or wish to make a privacy request, contact: