Privacy Policy

Welcome to Gashaw Mortgages ("we," "our," or "us"). We are dedicated to respecting and safeguarding your personal privacy. This Privacy Policy describes how your personal information is collected, used, processed, and protected when you visit or interact with our website (https://mashkanta.gashawdev.com) and our related tools, calculators, and applications.

1. Information We Collect

We may collect information you provide directly or information generated automatically through your usage of our services:

• Personal Contact Information: Name, email address, phone number, and physical or residential location when you register, book a consultation, or submit an intake or contact inquiry.
• Financial & Mortgage Data: Information entered into mortgage calculators, simulations, loan schedules, income ranges, property valuation estimates, and related financial parameters needed to generate advisory recommendations.
• Account Credentials: Email and encrypted authentication credentials when creating an account to save simulations or access client portal features.
• Device & Technical Usage Data: IP address, browser type, operating system, pages visited, timestamps, and referral URLs collected automatically through server logs and standard analytics.
• Cookies & Session Tokens: Technical cookies and local storage tokens strictly used to maintain authentication sessions, user language preferences, and interface settings.

2. How We Use Your Information

The information collected is used for lawful business purposes, including:

• Providing mortgage calculations, simulations, analysis reports, and advisory consultations.
• Creating and managing your user account and client portal access.
• Communicating with you in response to questions, requests, or scheduled consultations.
• Operating, maintaining, optimizing, and securing our website and digital tools.
• Complying with applicable legal, accounting, and regulatory obligations.

3. Third-Party Integrations & Data Sharing

We do not sell, rent, or trade your personal information to third parties. We only share information with trusted third-party providers under strict confidentiality agreements for the following operational needs:

• Cloud Hosting & Database Infrastructure: Secure cloud infrastructure and managed database services hosting our application.
• Authentication & Developer Platforms: Third-party authentication or platform verification (such as Google, TikTok, or OAuth providers) if you choose to connect through them.
• Payment Processors: Secure, PCI-compliant payment gateways (e.g., PayPal) when processing service fees or digital store purchases. We never store complete credit card details on our servers.
• Legal Compliance: When disclosure is required by law, court order, or governmental regulation to protect legal rights and safety.

4. Data Security

We employ robust technical, organizational, and administrative safeguards to secure your personal data against unauthorized access, loss, misuse, or alteration. All communication with our website is encrypted using HTTPS/TLS encryption. Sensitive credentials are salted and hashed.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, provide requested services, resolve disputes, and comply with statutory retention requirements. You may request deletion of your account and personal records at any time.

6. Your Rights & Choices

Depending on your jurisdiction, you have the right to:

• Access, review, and receive a copy of your personal data held by us.
• Request correction of inaccurate or incomplete personal information.
• Request deletion or erasure of your personal records.
• Object to or restrict specific forms of data processing.
• Withdraw any consent previously granted at any time.

7. Data Deletion Instructions & Revoking Access

We respect user privacy and provide straightforward mechanisms to disconnect third-party services and request the complete deletion of your data:

• Revoking TikTok App Access: If you connected your account via TikTok, you can revoke permissions at any time directly within the TikTok application by navigating to: Profile → Settings and privacy → Security → Manage app permissions → select Gashaw Mortgages → Remove access.
• Requesting Full Data Deletion: You may submit a request to permanently delete all personal data and associated records collected by Gashaw Mortgages by emailing gashawdev85@gmail.com with the subject line "Data Deletion Request".
• Processing Timeframe: Upon receiving your verification and request, all personal data, authentication tokens, and simulation history will be permanently deleted from our active database within thirty (30) days, unless statutory retention is required by law.

8. Children's Privacy

Our services and applications are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors.

9. Updates to This Policy

We may update this Privacy Policy from time to time to reflect operational, legal, or regulatory changes. The updated version will be published on this page with an updated "Last Updated" date.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us: