Privacy Policy

Last Updated: February 25, 2026  |  Effective Date: February 25, 2026

Veteran Refinance Team ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website veteranrefinanceteam.com (the "Site") and use any related services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the Site.

1. Information We Collect

Personal Information You Provide

We may collect personal information that you voluntarily provide when you:

• Fill out a contact form
• Subscribe to our newsletter
• Request information about VA benefits or refinancing
• Communicate with us via email or phone

This information may include:

• Name (first and last)
• Email address
• Phone number
• Branch of military service
• Subject matter of your inquiry
• Any information you include in your message

Automatically Collected Information

When you visit our Site, certain information is collected automatically, including:

• IP address
• Browser type and version
• Operating system
• Referring URLs
• Pages visited and time spent on pages
• Device information

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to inquiries — When you submit a contact form, we use your information to respond to your question or request.
• To send newsletters — If you subscribe, we send periodic emails with veteran finance tips, VA benefit updates, and resources. You can unsubscribe at any time.
• To improve our Site — We analyze usage patterns to improve content, layout, and user experience.
• To comply with legal obligations — We may use your information as required by law.

We do NOT:

• Sell your personal information to third parties
• Share your information for marketing purposes without your consent
• Use your information for automated decision-making or profiling

3. Information Sharing

We may share your information only in the following limited circumstances:

• Service providers — We use third-party services (e.g., email delivery, analytics) to operate our Site. These providers only access your information as needed to perform services on our behalf.
• Legal requirements — We may disclose information if required by law, court order, or governmental regulation.
• Business transfers — In the event of a merger, acquisition, or sale of assets, your information may be transferred.

4. Cookies & Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your browsing experience. These include:

• Essential cookies — Required for basic Site functionality.
• Analytics cookies — Help us understand how visitors interact with our Site (e.g., Google Analytics).

You can control cookies through your browser settings. Disabling cookies may affect certain Site features.

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. However, no electronic transmission or storage method is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights

Depending on your location, you may have the following rights:

• Access — Request a copy of the personal information we hold about you.
• Correction — Request correction of inaccurate information.
• Deletion — Request deletion of your personal information.
• Opt-out — Unsubscribe from marketing emails at any time using the "unsubscribe" link in any email, or by contacting us.

To exercise any of these rights, please contact us.

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete it, and the right to opt out of its sale. We do not sell personal information.

7. Children's Privacy

Our Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

8. Third-Party Links

Our Site may contain links to third-party websites (e.g., VA.gov, DAV.org). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: info@veteranrefinanceteam.com
• Phone: (480) 535-8796
• Mail: Veteran Refinance Team, Scottsdale, AZ 85260
• Contact Form: veteranrefinanceteam.com/contact