How your information is handled.

This website (mortgagesbyjulia.com) is operated by Julia Kovalskiy, a Residential Mortgage Loan Originator (NMLS #2661068) sponsored by C2 Financial Corporation (NMLS #135622). This privacy policy describes how information collected through this website is used and shared.

When you interact with this site, the following types of information may be collected:

• Information you provide directly through forms (name, email, phone number, state, loan purpose, employment type, approximate loan amount, and any notes you add to inquiry forms)
• Information about your visit (browser type, device, IP address, pages visited, referral source)
• Cookies and similar tracking technologies used by analytics tools and embedded services
• Communications you initiate with Julia Kovalskiy via email, phone, or text message

We do NOT collect Social Security Numbers, financial account numbers, or income verification documents through this website. That information is collected only through the secure C2 borrower portal during the actual loan application process.

Information collected through this site is used to:

• Respond to your inquiries and connect you with Julia Kovalskiy personally
• Pre-qualify you for mortgage programs if you request a loan scenario
• Send communications related to your inquiry, including via automated text and email if you have consented
• Improve the website experience and understand how visitors use the site
• Comply with regulatory requirements applicable to licensed mortgage loan originators

Information you submit through this website may be shared with:

• C2 Financial Corporation, the licensed mortgage brokerage that sponsors Julia Kovalskiy
• Lender partners through C2 Financial Corporation's network, only when you have specifically requested a loan scenario or application
• Service providers that help operate this website (hosting, analytics, email infrastructure)
• Regulatory authorities, when required by law

We do NOT sell your information to third parties, share it with unaffiliated marketers, or rent contact lists.

If you check the consent box on a form and provide your phone number, you agree to be contacted by Julia Kovalskiy and C2 Financial Corporation at that number — including via automated technology, prerecorded messages, text messages, and email — regarding your mortgage inquiry. Consent is not a condition of any service. You can opt out at any time by replying STOP to text messages or by emailing jkovalskiy@c2financial.com.

You have the right to:

• Request access to the personal information we have about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal and regulatory record-keeping requirements)
• Opt out of marketing communications at any time

To exercise any of these rights, contact Julia Kovalskiy via the Contact page or at jkovalskiy@c2financial.com.

For California residents: under the California Consumer Privacy Act (CCPA), you have additional rights regarding the sale of personal information. We do not sell personal information.

This website uses cookies and similar technologies to remember your preferences, measure site performance, and improve the user experience. You can disable cookies in your browser settings, though some features of the site may not function correctly without them.

We use commercially reasonable security measures to protect information transmitted through this site. However, no method of transmission over the internet is 100% secure. Sensitive financial information for the loan application process is handled through the C2 borrower portal, which uses bank-grade encryption.

This website is not directed to children under 13. We do not knowingly collect information from children.

We may update this privacy policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the updated policy.

For privacy questions or to exercise any of your rights under this policy, contact:

Julia Kovalskiy, NMLS #2661068
Email: jkovalskiy@c2financial.com
Phone: (203) 252-1791
C2 Financial Corporation, NMLS #135622