Mortgage Options Network is operated by Pipeline Harbor Digital LLC. We collect consumer information submitted through this website and make it available to independent third-party mortgage relief professionals. We do not provide mortgage relief services directly. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your information.
1. Who We Are
Mortgage Options Network ("MON," "we," "our," or "us") is a lead generation and consumer referral service operated by Pipeline Harbor Digital LLC, a Delaware-registered limited liability company. We collect consumer information through this website and make it available for purchase by independent third-party mortgage relief professionals. We do not provide mortgage relief services, loan modifications, legal advice, financial advice, or housing counseling directly.
2. Information We Collect
We collect the following personal information when you submit our form:
- Full name
- Phone number
- Email address
- Mortgage lender or servicer
- How far behind on payments
- Monthly mortgage payment amount
- Whether the property is a mobile home
- Whether you have a source of income
- Property state
- IP address, browser type, device type, pages visited, referral source, and UTM parameters
We do not collect bank login credentials, Social Security numbers, or payment card information.
3. How We Use Your Information
We use your information to:
- Make your inquiry available for purchase by independent third-party mortgage relief professionals
- Communicate with you via phone, email, or SMS regarding your inquiry
- Operate, maintain, and improve our website
- Conduct analytics and marketing activities
- Maintain compliance with applicable laws
4. How We Share Your Information
Your information may be shared with:
- Independent third-party mortgage relief professionals who purchase consumer lead data from us
- Technology vendors supporting our website and communications (including Google Analytics, Meta Pixel)
- Analytics or advertising partners
- Regulatory or legal authorities where required by law
Important: Your information is made available for purchase by independent professionals. Under California and other state privacy laws, this may constitute a "sale" or "sharing" of personal information. You have the right to opt out — see Section 11.
5. Tracking Technologies
We use the following tracking technologies:
- Google Analytics 4 (GA4): Collects IP address, browser type, pages visited, and time on site. Opt out at tools.google.com/dlpage/gaoptout
- Meta Pixel (Facebook Pixel): Measures advertising effectiveness and may collect actions on our website. Opt out at facebook.com/settings
- UTM Parameters: Track marketing campaign effectiveness
- Cookies: Used to improve site functionality. You may disable cookies in your browser settings
6. Data Retention
We retain consumer lead data for up to 24 months from the date of submission. After this period, personal data is deleted or anonymized unless required to be retained longer by applicable law. Independent professionals who have purchased your data may retain it pursuant to their own data retention policies.
To request deletion of your data contact us at support@mortgageoptionsnetwork.com or 855-789-9279.
7. Consent to Contact
By submitting your information and checking the consent checkbox, you provide express written consent to be contacted by Mortgage Options Network, Pipeline Harbor Digital LLC, and independent third-party professionals who may purchase your information, via phone calls, text messages (SMS/MMS), and emails, including through automated telephone dialing systems, artificial or prerecorded voice messages, and automated emails. Consent is not a condition of any purchase or service. Message and data rates may apply. Opt out at any time by replying STOP.
8. FTC Mortgage Assistance Relief Services (MARS) Rule Disclosure
Mortgage Options Network is a service only and does not provide mortgage relief services directly. Pursuant to the FTC MARS Rule:
- You are not required to pay any upfront fees for mortgage relief assistance
- You are not required to use our service to obtain mortgage relief
- Free mortgage relief resources are available through HUD-approved housing counselors at hud.gov/findacounselor
- We do not guarantee that any professional will contact you or that any relief options will be available
- Any fees for mortgage relief services are charged solely by the independent professionals who contact you
9. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information. No internet transmission can be guaranteed completely secure. We retain data only as long as necessary as described in Section 6.
10. Your Privacy Choices
You may request to:
- Access personal information we hold about you
- Correct inaccurate information
- Request deletion of your information
- Opt out of the sale or sharing of your personal information
- Opt out of marketing communications
Submit requests to: support@mortgageoptionsnetwork.com or call 855-789-9279
11. California Privacy Rights (CCPA/CPRA)
California residents have the right to:
- Know what personal information is collected
- Know if personal information is sold or disclosed and to whom
- Opt out of the sale of personal information
- Request deletion of personal information
- Request correction of inaccurate information
- Non-discrimination for exercising privacy rights
To opt out of the sale of your personal information, email support@mortgageoptionsnetwork.com with subject line "Do Not Sell My Personal Information" or call 855-789-9279.
12. Other State Privacy Rights
Virginia (VCDPA): Virginia residents have the right to access, correct, delete, and opt out of the sale of personal data.
Colorado (CPA): Colorado residents have the right to opt out of the processing of personal data for targeted advertising and the sale of personal data.
Connecticut (CTDPA): Connecticut residents have the right to access, correct, delete, and opt out of the sale of personal data.
Texas (TDPSA): Texas residents have the right to access, correct, delete, and opt out of the sale of personal data.
To exercise any of these rights contact us at support@mortgageoptionsnetwork.com or 855-789-9279.
13. Governing Law & Dispute Resolution
This Privacy Policy is governed by the laws of the State of California. Any disputes shall be resolved through binding arbitration in Orange County, California in accordance with American Arbitration Association rules. You waive any right to a jury trial or class action lawsuit.
14. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date. Continued use of the website after changes constitutes acceptance.
15. Contact Information
Mortgage Options Network
Operated by Pipeline Harbor Digital LLC
Website: mortgageoptionsnetwork.com
Email: support@mortgageoptionsnetwork.com
Phone: 855-789-9279
Hours: Monday – Friday 9:00 AM – 5:00 PM PST
SMS Terms of Service
By opting into SMS communications from Mortgage Options Network you consent to receive text messages related to your inquiry, follow-ups, and informational updates. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.
For support email support@mortgageoptionsnetwork.com or call 855-789-9279.
Mortgage Options Network is a service only and does not provide mortgage relief services directly.