The short version: information submitted through this site is used to answer the mortgage request, operate and protect the service, document consent, and understand which guidance helps visitors. It is not a promise of approval, a rate quote, or a commitment to lend.
Information collected
Information you provide
When you use a contact or mortgage review form, the information may include your name, phone number, optional email address, property address or target community, property state, loan goal, timing, scenario details, consent choice, and information showing which page or campaign led to the request.
If you later begin a full mortgage application, call, text, email, upload a document, or work with a lender or settlement provider, additional information may be collected through those separate channels and systems.
Information collected automatically
The site may collect limited technical and activity information such as the page viewed, referring page, browser and device type, approximate location derived from an IP address, campaign parameters, timestamps, form start or submission identifiers, call or text link clicks, and data needed to detect abuse or keep the site secure.
How information is used
Information may be used to:
- Respond to a mortgage question or requested review.
- Route an inquiry into Ledger so it can be tracked and handled.
- Understand which pages, communities, calculators, and guides are useful.
- Measure confirmed lead submissions and avoid duplicate reporting.
- Detect spam, investigate errors, protect the site, and maintain reliable service.
- Document communication consent and comply with legal, regulatory, licensing, and recordkeeping obligations.
- Improve website content, service workflows, and follow-up.
Analytics, cookies, and browser storage
The site uses Google Analytics 4 to understand aggregate site use and confirmed conversion activity. Google signals and advertising personalization are disabled in the site configuration. Google may still process technical information under its own terms and privacy practices.
The site may use local storage or session storage in your browser to preserve a submission receipt, prevent duplicate conversion events, and support basic site operation. These records do not replace a mortgage application or approval record.
If your browser sends a recognized Global Privacy Control signal, the site is configured not to load its analytics script. Browser settings and content blockers may also limit cookies, analytics, or local storage, although some site functions may be affected.
Your communication and privacy choices
A site form requires an affirmative consent checkbox before the request can be submitted. When selected, it permits Matt Doby and Edge Home Finance, LLC to call or text the number provided about that mortgage request, including through automated technology or an artificial or prerecorded voice. Consent is not a condition of purchase. Message and data rates may apply.
- Reply STOP to a text message to opt out of further text messages from that conversation.
- Ask that a call or email not continue by telling the sender or caller.
- Contact Matt to request access to, correction of, or deletion of information associated with a website inquiry. Some records may need to be retained for legal, regulatory, fraud-prevention, or transaction purposes.
- Use browser privacy controls to limit analytics and browser storage.
Retention and security
Information is kept only as long as reasonably necessary for the purpose collected, to support a mortgage or service relationship, to resolve disputes, to prevent fraud, or to satisfy legal and regulatory requirements. Retention periods may differ by record type and transaction status.
Reasonable administrative, technical, and organizational safeguards are used to protect information. No website, transmission method, or storage system can be guaranteed completely secure. If you believe information was submitted to the wrong place or may be at risk, contact Matt promptly.
Children and external links
This site is intended for adults considering mortgage or real estate decisions. It is not directed to children under 13, and The Local Ledger does not knowingly collect personal information from children under 13 through its website forms.
The site may link to lenders, government agencies, mapping services, social networks, or other independent websites. Their privacy and security practices are controlled by their own policies, not this one.
Optional advertising choices
The optional advertising control is separate from this site's existing website analytics and essential functions. Accept optional permits advertising only when Ledger has configured and enabled it; Reject optional keeps it off. Global Privacy Control and Do Not Track signals keep optional advertising off. You can reopen Privacy preferences on the homepage or this privacy page and revoke your choice.
If enabled and accepted, the Meta advertising integration is limited to a generic homepage PageView. It does not include mortgage questions, form answers, financial figures or application details. Ledger does not load the Meta browser SDK or enable automatic contact matching or form events for this integration. Meta can receive your IP address, browser information and cookies permitted by your browser. Browser privacy settings may prevent an event or matching.
The first-party choice stores only its version, accepted or rejected status and time, for up to 90 days. Rejecting or revoking stops future optional advertising requests and removes the known first-party Meta cookies this control can access. A request already sent cannot be recalled, and browser controls or Meta's own settings may be needed for other cookies or information Meta already holds. This preference does not switch off existing website analytics.
Contact and policy updates
Questions about this policy or a website inquiry can be directed to Matt Doby. If this policy changes materially, the effective date on this page will be updated.