Privacy Policy

Effective Date: 6/12/26

This Privacy Policy explains how Zachary Barnes (also referred to as Zach Barnes) and Fox Mortgage collect, use, share, and protect information submitted through this website, including information submitted through the Homebuyer Game Plan form.

By using this website or submitting information through a form, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect information you provide directly to us, including:

Name
Phone number
Email address
Homebuying timeline
Estimated purchase price range
Estimated down payment range
Credit confidence range
Real estate agent status
Mortgage goals or questions
Any other information you choose to provide by form, phone, text, email, or other communication

We may also automatically collect certain information when you visit this website, including:

IP address
Browser type
Device type
Pages visited
Referral source
Landing page URL
UTM tracking parameters
Google Click ID or similar advertising identifiers
Cookie and analytics data

2. How We Use Your Information

We may use the information we collect to:

Respond to your inquiry
Contact you about mortgage options, pre-approval, or homebuying next steps
Help you understand estimated payment, cash to close, loan options, and pre-approval path
Schedule consultations or follow-up conversations
Provide customer service and support
Improve our website, advertising, and lead follow-up process
Measure advertising performance and website conversions
Maintain business records
Comply with legal, regulatory, licensing, and compliance obligations

Submitting the Homebuyer Game Plan form does not create a loan application, does not pull credit, and does not guarantee loan approval. Loan approval is subject to credit approval, underwriting, and program guidelines.

3. Calls, Texts, and Emails

By submitting a form on this website, you agree that Zach Barnes and/or Fox Mortgage may contact you by phone, text message, or email about your mortgage options or homebuying inquiry.

Message and data rates may apply. Consent to be contacted is not required as a condition of applying for credit or obtaining mortgage services. You may opt out of marketing communications at any time by following the instructions in the communication or contacting us directly.

4. Cookies, Analytics, and Advertising Tracking

This website may use cookies, pixels, tags, analytics tools, and advertising technologies to understand how visitors use the site, measure advertising performance, and improve marketing.

These tools may include Google Ads, Google Tag Manager, Google Analytics, or similar services. These tools may collect information such as pages visited, device/browser information, referral source, advertising click identifiers, and conversion activity.

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

You can control cookies through your browser settings. Some features of the website may not function properly if cookies are disabled.

5. How We Share Information

We do not sell your personal information.

We may share information with:

Fox Mortgage and authorized team members
Mortgage-related service providers as needed to respond to your inquiry or provide services
CRM, email, website hosting, analytics, advertising, and technology providers
Compliance, legal, accounting, or regulatory parties when necessary
Government, licensing, or regulatory authorities when required by law
Other parties with your consent or at your direction

If you choose to move forward with a mortgage application, additional privacy notices and disclosures may apply.

6. Third-Party Services

This website may use third-party tools and service providers to operate the site, process form submissions, manage leads, send email, measure advertising, and support customer communication.

These providers may include website hosting providers, WordPress plugins, Google services, Zoho/Bigin CRM, email providers, and other business tools. These providers are only authorized to use information as needed to provide services to us, subject to their own policies and applicable law.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect information submitted through this website. However, no website, email system, CRM, or internet transmission is completely secure. You should avoid submitting highly sensitive information through this website unless requested through a secure mortgage application system.

8. Your Choices

You may contact us to:

Update or correct your contact information
Ask questions about how your information is used
Opt out of marketing emails, calls, or text messages
Request that we delete information where legally permitted

Some information may need to be retained for legal, regulatory, compliance, security, or business recordkeeping purposes.

9. Links to Other Websites

This website may contain links to third-party websites, including scheduling tools, application portals, review pages, or partner websites. We are not responsible for the privacy practices, security, or content of third-party websites.

10. Children’s Privacy

This website is intended for adults seeking mortgage or homebuying information. We do not knowingly collect personal information from children under 13.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

12. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact:

Zach Barnes
Fox Mortgage
Email: zachbarnesmlo@gmail.com
Phone: 205-440-1026
NMLS: 2779086
Company NMLS: 184762

Equal Housing Opportunity.