Privacy Policy
Effective Date: June 1, 2026 Last Updated: June 1, 2026
This Privacy Policy explains how The Mortgage Vet ("we," "us," or "our") collects, uses, and shares information when you visit this website (the "Site") and use our educational content, tools, checklists, downloads, and resources (the "Services").
The Site is an educational resource center for real estate investors and real estate professionals. It is not a lending platform, loan application system, mortgage brokerage, investment advisory service, broker-dealer, coaching program, or financial services company, and it does not provide legal, tax, accounting, investment, or financial advice. The Site may reference financing concepts and educational examples, but it does not accept loan applications or process financing; any financing inquiries are handled separately through appropriate channels and are not part of the Site's educational Services. Using the Site does not create any client, customer, borrower, student, membership, coaching, advisory, fiduciary, or lending relationship. See our Educational Disclaimer.
Affiliation Disclosure
The Site is operated by Jonathan K. Davis ("The Mortgage Vet"), who is also employed in the mortgage lending industry by Central Lending. The Site is an independent educational resource published under the "The Mortgage Vet" name; it is not published by, on behalf of, or as an advertisement for Central Lending, and nothing on the Site is a loan solicitation, offer, or commitment to lend by Central Lending or any other party. A Central Lending email address (Jdavis@CentralLending.com) is provided for convenience as a way to reach the operator; contacting it does not create a borrower, customer, or lending relationship, and any information you choose to send there is handled as described in this Policy. If you choose to pursue financing, that is handled separately and directly with the appropriate licensed party, outside the Site's educational Services.
1. Information We Collect
Information you give us. When you request a download, sign up for educational updates, or contact us, you may provide your name, email address, and any information you choose to include in a message. You do not need to create an account to read content on the Site.
Information collected automatically. When you use the Site, we and our service providers may collect standard technical information such as your IP address, browser type, device information, pages viewed, referring pages, and the dates and times of visits. This is collected through cookies and similar technologies and through our analytics provider.
Cookies and similar technologies. We use a limited set of cookies and similar technologies to operate the Site, remember your preferences, and understand how the Site is used. Most browsers let you refuse or delete cookies; some features may not work as well if you do.
We do not intentionally collect sensitive personal information, and we ask that you not submit Social Security numbers, financial account numbers, or similar sensitive data through the Site.
2. How We Use Information
We use the information we collect to:
- Provide the educational content, tools, downloads, and resources you request;
- Deliver requested files (for example, a checklist) and send educational content and occasional updates if you have opted in;
- Respond to your inquiries and messages;
- Operate, maintain, secure, and improve the Site and understand how it is used; and
- Comply with legal obligations.
We do not use your information to enroll you in any program, advisory service, or financing process.
3. How We Share Information
We do not sell your personal information. We share information only as follows:
- Service providers who help us operate the Site, such as website hosting, content management, email delivery, file storage, and analytics providers, who are permitted to use the information only to provide services to us;
- Legal and safety purposes, where required by law or to protect rights, safety, or property; and
- Business transfers, in connection with a merger, acquisition, or sale of assets, subject to this Policy.
4. Email and Educational Updates Choices
If you opt in to receive educational content and updates, you may unsubscribe at any time using the link in any email or by contacting us at Jdavis@CentralLending.com. Transactional messages (such as delivering a file you requested) are not promotional messages. Opting in does not enroll you in any course, coaching program, or advisory service.
5. Third-Party Links and Tools
The Site may link to or reference third-party websites and tools, including external calculators and analysis tools. We do not control those third parties, and their privacy practices are governed by their own policies. We encourage you to review them.
6. Data Retention
We keep personal information for as long as needed to provide the Services, communicate with you, and meet legal, accounting, or reporting requirements, after which we delete or de-identify it.
7. Security
We use reasonable administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your Choices and Rights
Depending on where you live, you may have rights regarding your personal information, such as the right to access, correct, or delete it, or to opt out of certain processing. To make a request, contact us at Jdavis@CentralLending.com, and we will respond as required by applicable law.
9. Children's Privacy
The Site is intended for adults and is not directed to children. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, please contact us so we can delete it.
10. Do Not Track
The Site does not currently respond to browser "Do Not Track" signals.
11. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date above and, where appropriate, provide additional notice. Your continued use of the Site after changes take effect means you accept the updated Policy.
12. Contact Us
Questions about this Privacy Policy or our privacy practices:
The Mortgage Vet 401 S. Florida Ave., Lakeland, FL 33801 Jdavis@CentralLending.com 863-450-0150