Effective August 24, 2026. Version 2026-08-24.2. This policy covers https://phillymetromortgage.com and the phone line (267) 828-9067, both operated by Philly Metro Mortgage.
1. Who we are and what we do with information
Philly Metro Mortgage runs a mortgage marketing and lead-generation service. We are not a lender or a broker. The point of collecting anything at all is to hand it to a licensed Pennsylvania mortgage lender who can contact you about mortgage financing. If you would rather that never happened, do not send the form and do not call; nothing on this site requires either.
2. What we collect
- What you tell us. Name, phone number, email address, whether you are buying or refinancing, the area, price range, timing, rough credit range if you offer it, and anything you type in the notes box or say on the call.
- Proof of what you agreed to. The date and time, your IP address, your browser and device string, the page you sent the form from, the exact consent wording displayed to you, and the version numbers of that wording and of this policy.
- Your call. Every call to our number is answered by an automated AI phone assistant. Calls may be recorded and transcribed. The recorded greeting says so before anything else, because Pennsylvania requires everyone on the line to consent, and you can hang up or ask not to be recorded.
- Server logs. Our host records the ordinary things: IP address, browser, pages requested, timestamps.
We do not ask for, and do not want, your Social Security number, your date of birth, your account numbers, or any document. If you volunteer one on a call, our assistant is built to stop you. Anything financial belongs with the lender, on the lender's own secure channel.
3. What we do not collect
This site sets no advertising cookies, runs no third-party analytics, and carries no tracking pixels or social widgets. Nothing here builds a profile of you or follows you elsewhere. The calculators run entirely inside your browser and send us nothing at all: change every number on them and we will never know you visited. The only cookie-like storage the site uses is whatever your browser does on its own.
4. Why we collect it
To work out what kind of loan you are describing, to introduce you to a licensed Pennsylvania lender who handles that kind of loan, to let that lender contact you, to follow up with you about your inquiry, to answer you if you ask us to stop, and to keep proof of what you agreed to, when, and on which page. We also count visits and calls in aggregate to see which pages are worth writing. That is the complete list of purposes.
5. Who receives it, and the money involved
Say this plainly: the reason we exist is that a mortgage lender pays for what we do, and your inquiry is what we hand over. Here is exactly who sees it.
- One licensed Pennsylvania mortgage lender — the introduction itself. That lender is an independent business with its own privacy policy, its own licences and its own obligations, and once your information reaches it, that lender controls it. If the first lender does not handle your kind of loan, we may introduce you to another one, and we tell you when we do.
- Service providers who work for us — the telephone and AI-assistant platform that answers the line, the email service that carries the lead, the hosting provider that serves this site. They process it on our instructions and for no purpose of their own.
- Authorities and advisers — where a law, a subpoena or a regulator requires it, or where our own lawyers or auditors need it to answer a complaint.
- A buyer of the business — if the business is ever sold or merged, records go with it, subject to this policy.
We do not hand your details to data brokers, list sellers, aggregators, insurers or anyone running an unrelated marketing campaign, and we do not post them anywhere. The lender pays us for the marketing and technology services we provide, and what it pays does not depend on your loan amount, your rate, the fees you are charged, or whether you close.
Several state privacy laws define a "sale" or a "share" broadly enough that passing your inquiry to a lender who pays us counts as one, whatever we call it in conversation. We treat it that way rather than argue about it, which is why the privacy choices page exists and why the opt-out below is open to everyone, in every state.
6. Consent to be contacted, and how to withdraw it
The checkbox on the form and the recorded notice on the phone line are your consent to be contacted by Philly Metro Mortgage and by the licensed Pennsylvania lender we introduce you to, by call, text and email, including through an automatic telephone dialing system and artificial, prerecorded or AI-generated voice messages, even if your number is on a Do Not Call list. The full wording, and what each part of it means, is on the communications consent page.
You can withdraw it at any time, by any reasonable means, with no reason given: reply STOP to any text, say so on a call, use the contact page, or write to us. We act on it immediately in practice and within ten business days at the outside, and we tell the lender. Withdrawing consent with us does not withdraw it from a lender you have separately begun working with; tell that lender too, and we will help if you ask.
7. How we protect it
The site is served over HTTPS. Form submissions travel encrypted and go to our own domain, never to a third-party endpoint. Access to inquiry records is limited to the people who need it, on accounts protected by two-factor authentication. Recordings and transcripts sit with our phone provider under contract. No system is perfect and we will not pretend otherwise; if a breach ever affects your information, we will tell you and the regulators the law names, in the time the law allows.
8. How long we keep it
Inquiry records, consent proof, call recordings and transcripts: up to five years, because federal telemarketing rules expect us to be able to prove consent for that long. Page versions and their sources: twenty-four months, because mortgage advertising rules expect us to be able to show what a page said. Server logs: a few months, then gone. After that, records are deleted or de-identified. Ask us to delete yours sooner and we will, unless a legal obligation or a live dispute requires keeping it, in which case we tell you which.
9. Your rights, wherever you live
Ask us what we hold about you, ask for a copy, ask us to correct it, ask us to delete it, ask us not to pass it to a lender, or ask us to stop contacting you. Residents of states with their own privacy statutes, New Jersey among them, have these rights by law, and residents of California and similar states may also opt out of the "sale" or "sharing" described in section 5. We honor every one of these requests from anyone, in any state, rather than checking your zip code first.
To make a request: use the privacy choices page, or call (267) 828-9067 and say so. We answer within 45 days. We may need to confirm you are the person the record belongs to, usually by matching the phone number or email you gave us. An authorized agent may act for you with written permission. We do not charge for this and we do not treat you differently for asking. If we turn a request down, we say why and how to appeal it; if the appeal fails, your state attorney general takes complaints.
10. Financial privacy law
Because this service sits next to mortgage lending, the federal Gramm-Leach-Bliley Act and its privacy rule may apply to some of what we handle. Where they do, we follow them, including the limits on reusing information received from a financial institution. The lender you are introduced to gives you its own privacy notice, which governs what that lender does from the moment it receives your inquiry.
11. Children
This site is for adults. We do not knowingly collect anything from anyone under 18, and we delete it if we learn we have.
12. Changes, and how to reach us
If this policy changes, the new version appears here with a new effective date and version number, and the version in force when you sent your inquiry is recorded with it. Questions, requests, complaints: (267) 828-9067, or the contact page.