Effective Date: August 1, 2025
O2 Mortgage LLC dba Oxygen Mortgage (“O2 Mortgage,” “we,” “our,” or “us”) owns and operates TheMortgageMonitor.com (“Website” or “Site”).
We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share your information when you visit or interact with our Website. By accessing or using TheMortgageMonitor.com, you agree to this Privacy Policy.
We collect the following types of information when you visit or interact with our Website:
When you voluntarily submit information to us (e.g., via forms, applications, or email), we may collect:
Full name
Email address
Phone number
Mailing address
Employment and income details (if provided)
Loan preferences and financial information (if provided)
We may automatically collect non-identifiable information about your use of our Website, such as:
IP address
Browser type and version
Device information
Pages you visit
Date and time of access
We use cookies and similar technologies to:
Improve website functionality
Personalize your experience
Analyze website traffic and user behavior
You can control or disable cookies through your browser settings, but certain features of our Site may not function properly without them.
We may use the information collected for the following purposes:
To respond to your inquiries and requests
To process applications or provide mortgage-related services
To send you updates, newsletters, and promotional materials (if you opt-in)
To improve Website performance and user experience
To comply with legal and regulatory obligations
We do not sell your personal information. However, we may share your information in the following circumstances:
With Service Providers: Third-party vendors that help us operate our Website or process data.
With Business Partners: When you request products or services offered jointly by O2 Mortgage and a partner.
For Legal Compliance: If required by law, regulation, subpoena, or governmental request.
In Business Transactions: If O2 Mortgage is involved in a merger, acquisition, or sale of assets.
Our Website may contain links to third-party websites or integrate third-party tools (e.g., analytics, advertising platforms). These third parties may collect information about you under their own privacy policies. We are not responsible for their practices and encourage you to review their privacy statements.
Depending on your state or country of residence, you may have specific privacy rights:
If you are a California resident, you have the right to:
Request disclosure of the personal information we collect about you
Request deletion of your personal information
Opt out of the sale or sharing of personal information
Not be discriminated against for exercising your rights
To exercise your rights, email us at privacy@themortgagemonitor.com.
If you are located in the European Economic Area (EEA), you may have the right to:
Access, correct, or delete your personal information
Restrict or object to data processing
Withdraw consent at any time
Lodge a complaint with your local data protection authority
By using TheMortgageMonitor.com, you consent to the collection and use of your information in accordance with this Privacy Policy. If you do not agree with this policy, please do not use the Website.
We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, loss, or misuse. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
Our Website is not intended for children under 18 years old. We do not knowingly collect personal information from anyone under the age of 18. If we discover that we have inadvertently collected information from a child, we will delete it promptly.
You can opt out of receiving marketing communications by:
Clicking the “unsubscribe” link in our emails
Contacting us directly at info@themortgagemonitor.com
Please note that you may still receive transactional or service-related communications.
We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of the page. We encourage you to review this page periodically for the latest information.
If you have questions about this Privacy Policy or how your data is handled, you may contact us at:
O2 Mortgage LLC dba Oxygen Mortgage
Attn: Privacy Officer
3800 Arapahoe Ave., Suite 210, Boulder, Colorado 80303
Email: info@themortgagemonitor.com
Phone: +1-720-308-0055
