Privacy Policy

This Privacy Policy explains how Brandon Maughan (“Brandon Maughan,” “the desk,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information when you visit brandonmaughan.com, use the calculators or text-back forms, email or text us, or otherwise work with this loan office.

By using this website or submitting your information, you agree to this Privacy Policy. If you do not agree, please do not use the site or send us your information.

1. Who We Are

Brandon Maughan, NMLS 1862493, is a senior loan officer with West Ridge Financial, LLC, NMLS 267440, serving Utah and Idaho from 134 S Main Street, Suite 100, Alpine, UT 84004. This website is an information and intake desk. It is not a lender, and using it is not a loan application, a pre-approval, or a commitment to lend.

Website hosting and related tools may be provided through ReHive (rehive.tech). If you later complete a full application or use a third-party portal, that provider’s privacy policy also applies.

2. Information We Collect

2.1 Information you provide

• Contact details: Name, mobile number, email address, and city.
• Loan intent: Whether you are buying, refinancing, or looking at a HELOC, and any notes you send.
• Calculator inputs: Figures you type into payment, affordability, equity, or other tools (for example, price, income, debts, or a listing address). These stay in your browser unless you choose to send them.
• Communications: Texts, emails, calls, and form submissions.

2.2 Information collected automatically

• Device and usage data: IP address, browser type, device type, pages viewed, referring URL, and approximate location derived from IP.
• Cookies and similar technologies: Cookies and local storage used for site function (for example, theme preference) and, if enabled, analytics.

2.3 Information we do not collect on this site

This website does not pull credit, request Social Security numbers, or take a full Uniform Residential Loan Application (1003). If a later application requires that information, it will be collected through a secure channel and only as needed to originate a file.

3. How We Use Your Information

We use personal information to:

• Respond to texts, calls, and emails during the published contact hours
• Discuss purchase, refinance, HELOC, and related loan options
• Follow up on numbers you asked us to review
• Operate, secure, and improve the website
• Comply with law, licensing, and recordkeeping duties
• Send service-related or, where permitted, promotional messages

4. Text Messages and Emails

If you submit a mobile number on this site, you consent to receive SMS messages from Brandon Maughan about your inquiry, including replies, follow-up questions, and related loan-desk communications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of marketing texts. Reply HELP for help.

You may still receive messages needed to complete a conversation you started (for example, a reply to a text you sent) unless you ask us to stop and we confirm. Email opt-out: write parkerjreese1@gmail.com or use any unsubscribe link provided.

5. How We Share Information

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

• Service providers: Hosting, email/SMS delivery, analytics, and similar vendors that help run the desk
• Loan fulfillment parties: A lender, broker, title, appraisal, or other party needed to work a file you asked us to pursue, and only as needed for that file
• Professional advisors: Counsel, compliance, or insurers when reasonably necessary
• Legal and safety needs: When required by law, legal process, or to protect rights, safety, or property
• With your direction: When you ask us to share information (for example, with your real estate agent)

6. Cookies and Similar Technologies

• Essential: Needed for basic site function, including remembering light/dark theme
• Analytics: May be used to understand how visitors use the site

You can control cookies in your browser. Blocking some cookies may affect site function. Third-party tools linked from this site have their own policies.

7. Data Retention

We keep personal information only as long as reasonably needed to respond to you, maintain business records, resolve disputes, and meet legal, licensing, and accounting requirements. When information is no longer needed, we delete it or de-identify it where practical.

8. Security

We use reasonable administrative, technical, and organizational safeguards appropriate to a loan desk website. No method of transmission or storage is completely secure. Do not send Social Security numbers, full account numbers, or other highly sensitive data through the public forms or an unsecured text.

9. Your Choices and Rights

Depending on applicable law, you may have rights to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of certain information
• Opt out of marketing communications

To make a request, contact us using the details below. We may need to verify your identity before fulfilling certain requests.

10. Children’s Privacy

This website is intended for adults who can apply for a home loan. We do not knowingly collect personal information from anyone under 18. If you believe a minor has submitted information, contact us and we will delete it.

11. Third-Party Sites

This site may link to ReHive, maps, email or text apps, and other third-party tools. Those services are governed by their own privacy policies. We are not responsible for their practices.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last Updated” date below will change when we do. Continued use of the website after an update means you accept the revised policy.

13. Contact Us

Brandon Maughan
134 S Main Street, Suite 100
Alpine, UT 84004
Email: parkerjreese1@gmail.com
Phone: (801) 875-9147