Privacy Policy – Mortgage Expense Lawyers

Introduction to our Privacy Promise

“At Mortgage Expense Lawyers (Moran Cruz & Associates Lawyers) our priority is your privacy. Our firm specializes in banking law and mortgage expense collection, and thus appreciates the private and confidential nature of the personal and financial information you make available to our firm.

This Privacy Policy explains how we gather, use and keep the information that you share with us when you interact with our site(s) or our representatives, on the Web or in person. Our clients trust us with their most intimate details, and we hold ourselves to the highest standards of confidentiality, transparency and preservation of the integrity of the data we collect. Please read on to learn more about your choices and our obligations regarding personal information.”

Who We Are and How to Reach Us

“Loan Cost Lawyers (Moran Cruz & Associates Lawyers) is a dedicated law firm located at 1230 Peachtree St NE Ste 73, Atlanta GA 30309. We offer services to clients throughout the country for cases involving restitution of excess bank fees and predatory financial products. If there are any questions regarding this Privacy Policy or the treatment of your personal information, please contact us at (678) 362-5419 or [email protected]. Our lawyers are available Monday through Saturday from 9:30 AM to 9:00 PM, and are available via email and WhatsApp any time of the day or night. Your concerns regarding privacy will always be given top priority.”

What Information We Collect

To deliver our legal services we collect and process the following information:

Data for identification purposes: Name, surname, date of birth, address, phone number, email address
Financial data: mortgage agreements, bank statements, payment receipts, loan documents, other financial documents
Documents and data related to the case: Copies of communication with a bank or other entity, court documents, notarial acts or any other evidence supporting your claim
Technical and usage data: IP address, browser, identifiers of the device and data regarding the interaction with our web page
Data related to communication: e-mails, phone calls, WhatsApp messages and contact forms sent through our website
Commercial communications: your commercial preferences with regard to newsletters or other type of information

We only collect information that is necessary in order to provide our legal services and to fulfil legal and regulatory requirements.

How We Collect Your Information

Your data may be collected by various means:

Directly: When you fill out a claim form, contact us by phone, email, WhatsApp or in person, and when you send us documents for your case.
Electronic Forms: When you access our website (https://abogadosgastoshipoteca.com/) and request information, send us documentation or register to receive news.
Automated Means: When you visit our website, certain technical information is automatically collected through cookies and analytic tools.
Third Parties: Occasionally, we receive information about you from other lawyers, Courts or banks where we require your information to process a claim.

We will always try to limit the information we collect to only that needed for your particular case.

The Reasons We Use Your Information

We use your personal and financial information only for the following purposes:

Case Evaluation and Processing: evaluating claims, preparing legal documents and conducting negotiations or litigation.
Communications: keeping you informed about the status of your case and answering questions, and providing legal updates.
Legal and Regulatory Obligations: meeting requirements of applicable law, regulatory authorities and court orders.
Service Quality: tracking usage of website offerings and client feedback to improve service quality and clients’ online experience.
Marketing (With Permission): sending legal and other related material or invitations to participate in webinars only if you have selected to receive such communication.

We will never use your information for any purpose other than the handling of your legal matter or without your express permission.

Our Legal Basis for Data Processing

Our information processing in relation to your personal data is based on one or more of the legal bases below:

Consent: where we have obtained your explicit consent, in particular in relation to marketing materials;
Contractual requirement: to the extent necessary in order to fulfil our obligations representing you and/or providing a legal service to you under contract;
Legal requirement: where we are complying with a requirement of a court order, applicable regulatory requirements or a reporting obligation;
Legitimate interest: to the extent necessary to advance our business interests (e.g. in relation to protecting business interests and promotions, enhancing efficiency/facilitating operations or preventing and detecting fraud), where these are not overridden by your own privacy interests.

We will always process your personal data in accordance with all relevant data protection laws in the United States.

How We Share and Disclose Your Information

“Mortgage Expense Lawyers treats your information as confidential and may disclose your personal information:

In respect of legal proceedings, to the courts, notaries or other parties involved strictly as required in respect of a specific matter.
To our suppliers and service providers who perform services on our behalf including management of files, computer maintenance, file storage, etc., subject to strict conditions of confidentiality which govern their management of the information.
To regulatory authorities as required by law or upon request – such as your local Bar Association.
With your consent to other third parties upon your request – such as other legal professionals acting on your behalf or financial institutions.

We will not sell, rent or disclose personally identifiable information about you to third parties for their own marketing use.”

How We Safeguard Your Information

“We implement strict physical, electronic and organisational safeguards designed to protect personal and financial information:

Secure Storage: All data is kept in password protected database systems to which only authorised personnel have access.
Data Transmission: Information is transmitted over secure networks (SSL/TLS) using best practice encryption protocols to deter interception.
Access Controls: Staff are required to undertake frequent privacy training and sign strict non-disclosure agreements.
Regular Audits: We conduct internal security testing, periodic external evaluations and vigorous penetration tests.
Incident Response: A dedicated incident response team helps us react to and remediate breaches promptly and with full transparency.

No security measure is foolproof; we regularly adapt our control activities to combat new forms of attacks.

Your Rights with Respect to Your Information

Right to Access. You may request a copy of the information we hold about you at any time.
Right to Rectification. You can amend, change or correct facts.
Right to Erasure. In some circumstances you can ask us to delete your information, provided we are legally able to do so.
Right to Restrict Processing. You can ask us to restrict the way we use your Personal Data while we are resolving any complaint or dispute.
Right to Data Portability. In some circumstances and where feasible, you have the right to request a copy of your Personal Data in a structured, commonly-used and machine-readable format.
Right to Object. You may object to us processing your Personal Data in certain circumstances e.g. marketing purposes.

Any requests should be made to [email protected] or (678) 362-5419. We will respond to any requests in accordance with the timescales set out in the applicable data protection laws but as a minimum within 30 days, having regard to legal and regulatory restrictions which may apply.

Your Personal Data Retention Period

We hold your personal and case particulars for no longer than needed to carry out the purposes set out in this policy, these purposes being:

The period of time you are our client with respect to the matter or matters we have been handling for you.
The period it is required for us to comply with our own legal and tax obligations and those that are imposed on us by law.
The period necessary to meet our obligations under relevant statute of limitation provisions or as otherwise required by applicable law.

We will then securely delete or anonymise your data. If you would prefer us to stop processing your data before these periods expire, please discuss this with us.

Cookies and Internet Tracking

This website uses cookies and cookies-like technology in order to improve your user experience, analyze web traffic and enable essential operation of certain parts of our site. A cookie is a small text file which is stored on your computer. We use:

Strictly Necessary Cookies: these are essential in order to enable you to move around this website or use its features. This category only includes cookies which enable functionality on this website.
Analytical cookies: these are used to analyse how visitors use our website and how we can improve functionality.
Preference Cookies: to remember your preferred language, or how you wish a webpage displayed.

You can disable cookies through the settings on your browser, but certain functionality may be impacted as part of doing so. We do not use cookies for targeted advertising purposes nor do we sell cookie data to third parties. For more information, please see our Cookie Policy.

Children’s Privacy

Our services are designed for adults seeking legal counsel or representation concerning banking and mortgage-related matters. We do not intentionally collect, store, or utilize personally identifiable information from individuals under the age of 18. If you believe that your child has inadvertently submitted personally identifiable information to us, please reach out to us promptly at [email protected] so that we can implement corrective actions.

International Transfers of Information

While our Firm is in the United States and focuses on domestic matters, it should be noted that some information may be processed or stored with our trusted service providers in other jurisdictions. Where such transfers occur, appropriate safeguards (such as encryption of data and contractual protections) are always in place to protect your privacy and comply with applicable data protection legislation.

Third-Party Links and Services

Our website may include links to third party websites or services in connection with the provision of our legal services. We are not responsible for the privacy practices of those external websites. Please check the privacy policies of those third party sites before disclosing any personal information. This Privacy Policy applies solely to information collected by Mortgage Expense Lawyers.

Marketing Communications and Your Choices

We may occasionally distribute legal updates, newsletters, and/or invites to informational webinars in areas of banking law and/or mortgage expense claims. That will only occur if you have opted-in or expressed interest. You may revoke your consent or modify your marketing preferences at any time by emailing us at [email protected] or using the unsubscribe/opt-out offered in our emails. We will meet your request promptly, and we respect your preference.

Updating or Correcting Your Information

Maintaining accurate information is critical for effective representation. If your contact information, financial paperwork, or other information needs to be updated please call us at (678) 362-5419 or email us at [email protected]. We will promptly update our records to inline with the latest so that your case can move forward.

Data Security Incidents and Breach Notifications

“In the event a data security incident or breach does occur, Mortgage Expense Lawyers will swiftly investigate and take all appropriate actions to contain and remediate potential harm. If your information has been potentially compromised, we will notify you promptly and advise you how to further protect yourself as well as what remediation we are taking on our part to address the matter. We are absolutely committed to transparency and to your protection.”

Changes to this Privacy Policy

“At times we may revise this Privacy Policy to reflect changes in our practices, legal requirements or technology. We will notify you of any material changes either through our website, or where necessary by email. The date of the most recent change will be set forth at the top of this page. Your continued use of our services following notification will constitute your acceptance of the revised Privacy Policy.”

Filing a Privacy Complaint

If you have any concern or complaint regarding how we handle your data or if you believe we are interfering with the exercise and enjoyment of your privacy rights, please reach out to us at [email protected] or (678) 362-5419. We take all complaints by our clients very seriously and attempt to resolve them as promptly and fairly as possible. If you were not satisfied with our inquiry into your data complaint, according to applicable law you may have the right to lodge a complaint with a data protection authority or other competent regulatory authority in your jurisdiction.

Your Consent and Responsibilities

By using our services, submitting information or using our Website, you consent to the collection, use and storage of your information as set forth in this Privacy Policy. You have an obligation to inform us of your accurate and complete information so that we can provide services to you. If you submit information on behalf of someone else, you represent and warrant that you have the express permission or legal authorization of such person to do so.

Our Promise for Ongoing Privacy Improvements

Our passion for privacy goes beyond legal compliance and routine recommendations. As we take the long view of the mortgage business, our focus is not simply on safeguarding the sensitive data you entrust to us today, but striving to protect it well into the future. That is why Mortgage Expense Lawyers invests in continuous staff training, security infrastructure and process enhancements to help strengthen system defenses against evolving privacy challenges. We welcome client and industry input, and use it to periodically re-evaluate how we address privacy so we can continue to do the best job of protecting your sensitive information.

Frequently Asked Privacy Questions

What info do I need to submit a claim? We need all personal identification information, mortgage paperwork, and related financial information to evaluate your case.
Who is my information shared with? Only what is necessary to pursue your claim or in accordance with the law, and all under strict confidentiality.
Do I have access to my information? Yes, just call us and we will help you exercise your rights.
How are my docs kept? All files are safely stored under physical and electronic locks with limited, restricted access.
Who should I contact regarding privacy issues? Privacy Team: [email protected] or (678) 362-5419

If you did not find an answer for your question, send us a request directly. You may also find additional answers in our FAQs.

Contact Us for Privacy Questions or Data Requests

Your privacy is important to us. If you have any questions, are in need of assistance or want to exercise your rights with respect to privacy, please contact our law office:

Phone: (678) 362-5419
Email: [email protected]
Postal Address: 1230 Peachtree St NE Ste 73, Atlanta GA 30309

Our hours are: Monday through Saturday from 9:30am to 9:00 pm and online at any time through email and WhatsApp. Mortgage Expense Lawyers strives to protect your information and respond to any request for privacy rights. For more ways to contact us, visit our Contact Mortgage Expense Lawyers page.

Final Remarks: Your Trust is our Duty

At Mortgage Expense Lawyers, we understand that the success of our practice – and of your case – depends upon a foundation of mutual trust and the strictest privacy standards. We will always protect your private and financial information with the same intensely-focused zeal we use to protect your rights from abusive and unethical banking/financial institution cultural practices. Thank you for your trust in our firm. If you have any questions or you would like to begin the process of advancing your claim, contact us now. Your privacy and financial recovery are always treated as our highest priorities.