About Us
Whether you are purchasing a first home or your next home, choosing the right mortgage is an important undertaking. I am committed to helping you find the right financing to suit your needs and to make your mortgage experience as uncomplicated as possible. Let's set an appointment for a time and place that is convenient and get started.
Privacy Policy
Michael Kopernik values the privacy of our users. Therefore, this privacy policy explains in detail how we use and protect the information we collect when you visit our website. Read this privacy policy completely. Please refrain from visiting the site if the terms outlined below are not satisfactory to you.
We reserve the right to change this policy at any time and will list these changes in the updates section of the policy. By reading this notice and visiting the site, you agree that you understand that customers will not be personally notified when this policy changes.
Therefore, we advise our customers to frequently review our privacy policy so that they remain aware of its updates. By using the site, you accept that the posted policy and all its changes apply to your interaction with Michael Kopernik.
Information Collected by Michael Kopernik
Personal information may be collected by this site in many ways. This information includes:
1. Personal identifying information like your name, address, email, phone number, age, gender, and other personal data
2. Server data related to the IP address you used to visit our [website/mobile app], which includes your address, browser, OS, access time, and site activity.
3. Financial information related to your orders including your payment method and identifying payment information.
4. Social network data including Facebook permissions and user information from other networks, provided you log onto our site using one of these media sites.
5. Mobile device information such as your device ID, model, and location, if you use our site by accessing it through our mobile app.
6. We do not share phone numbers with third parties for marketing or promotional purposes.
How We Use This Information
Our website uses information collected to:
• Manage your account information
• Customize ads
• Deliver promotions
• Email your account confirmation
• Manage purchases and payments
• Increase site efficiency
• Notify you of updates
• Offer new products
• Monitor and prevent theft
• Request your customer feedback
• Resolve account disputes
• Respond to your service requests
Information Disclosure
Normally, your information stays on our site. However, below we have listed the situations that may require us to share the information we collect from you:
• When required by law, such as for fraud protection
• With our third-party providers for payment processing and hosting
• With your consent for marketing purposes
• When you post comments on the site
• To our advertisers, affiliates, and partners
• If this site goes bankrupt and data must be transferred
Cookies, Trackers, and Online Ads
We may use cookies, trackers, web beacons, and other technology to customize our website to improve your experience. We may customize the site using this information. These trackers do not have access to your personal information and can be removed from your browser options.
In addition, third-party software provides ads for our site for marketing campaigns. These programs have access to tracking technology to optimize your ad experience. We do not give these vendors access to your personal information.
Other Sites
Our website may contain links to third-party websites in the form of policies, ads, and other non affiliated links. Once you leave our site, we are no longer responsible for how your information is collected and disclosed. Please refer to the privacy policies of those third-party sites for more information.
Information Security
We take technical and administrative precautions to protect your data, but we cannot guarantee its safety against all types of fraud or misuse. If you provide personal information, we cannot verify its total security against all types of interception.
Do-Not-Track
Some browsers offer Do-Not-Track settings to prevent any information from being distributed. Since these settings have not been legally established as standard practice, we do these settings.
Additional Options
At any time, you may opt to review or change your account settings, including contact information. If you wish to delete your account, you may do so to remove most of your information, however, some identifying information will be retained to prevent fraud. You may also opt-out of emails and other correspondences from our site at any time.
Your Local Privacy Rights
Contact Us If you have questions or concerns about this privacy policy, please feel free to contact us at: Michael Kopernik, 4400 MacArthur Blvd, Suite 600, Newport Beach, CA 92660 (949)306-3441 or at lending@michaelkopernik.com.
Terms and Conditions
Michael Kopernik SMS Terms of Service
Updated 1/20/2025
IMPORTANT! PLEASE READ THESE MICHAEL KOPERNIK SMS TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE SIGNING UP FOR THE MICHAEL KOPERNIK TEXT MESSAGING PROGRAM. BY SIGNING UP FOR THIS TEXT MESSAGING PROGRAM, YOU AGREE TO ABIDE BY AND BE BOUND TO THESE TERMS, and you expressly consent to receive text messages, as applicable, from Michael Kopernik, at the telephone number(s) that you provide.
1. Program Overview:
Welcome to the Michael Kopernik SMS service! By opting in, you agree to receive periodic SMS messages from Michael Kopernik. These messages may include alerts, updates, promotions, notifications or other relevant information related to our services.
2. Message Frequency:
Message frequency may vary. You may receive up to 5 messages per month from us.
3. Costs:
Standard message and data rates may apply. Please consult your mobile service provider for details on any fees that might be applicable.
4. Customer Support:
For assistance, please contact our customer service team via email at lending@michaelkopernik.com or by calling (949)306-3441.
5. Opt-Out Instructions:
To stop receiving SMS messages from us, reply, “QUIT” or “STOP” to any message.
Upon receipt of your request, you will no longer receive messages from Michael Kopernik.
6. HELP Information:
For additional information, text “HELP” to (949)306-3441 or contact us at (949)306-3441
7. Terms and Conditions Updates:
We may update these terms from time to time. Any changes will be posted on our website, and your continued use of the service will signify your acceptance of these changes.
8. Privacy:
Your privacy is important to us. Please refer to our privacy policy for more information on how we protect your data.