Cookie Policy

Effective Date: September 16, 2025
Last Updated: December 10, 2025

This Cookie Policy explains how Kearns Mortgage Team, LLC (“we”, “us”, or “our”) uses cookies and similar technologies on our website, https://kearnsmortgageteam.com (“Website”). We are committed to protecting your privacy and complying with applicable U.S. laws, including financial data protections under the Gramm-Leach-Bliley Act (GLBA).

By continuing to use our Website, you consent to our use of cookies as described in this policy.

What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help the site function properly, remember user preferences, and collect limited technical data to support security and performance. Our cookies do not make lending decisions or perform any financial evaluation of users.

Why We Use Cookies

We use cookies and related technologies for the following purposes:

• Essential Cookies: Required for the core operation of the website, such as navigation and form submission.
• Functional Cookies: Remember your preferences or prior inputs (such as contact form fields).
• Security Cookies: Help maintain secure sessions and protect against malicious activity.
• Performance & Technical Cookies: May collect non-personal technical data (such as IP address, browser type, and visit duration) to improve user experience and troubleshoot performance.

We do not use cookies for advertising, retargeting, or behavioral profiling.

We do not sell or share personal information collected through cookies.

Types of Cookies Used

• Essential cookies such as session identifiers.
• Functional cookies that may remember user input temporarily.
• Security cookies used to verify activity and prevent misuse.
• Technical cookies that may collect anonymous device or browser data.

Most cookies used on our Website are temporary (“session cookies”) and expire when you close your browser. Some functional cookies may persist briefly to support smoother navigation.

Note: Actual cookie names and behavior may vary depending on your website platform or hosting provider.

Third-Party Cookies

We do not actively use third-party advertising or analytics services. However, our Website may embed third-party content (such as calculators, maps, videos, or chat tools), and these providers may set cookies of their own. These cookies are governed by the privacy policies of those providers, and we do not control or manage their behavior.

Your Choices

You can control or delete cookies through your browser settings. Most browsers allow you to:

• View and delete stored cookies
• Block specific types of cookies
• Set preferences for future visits

Disabling certain cookies may affect Website performance or functionality.

Do Not Track (DNT): Our Website does not respond to DNT signals because no industry standard currently exists for such responses.

Browser cookie management guides:

• Google Chrome
• Mozilla Firefox
• Apple Safari
• Microsoft Edge

For more information about how we handle personal information beyond cookies, please review our Privacy Policy.

Children’s Privacy

Our Website is not directed to children under 13, and we do not knowingly collect cookies or personal information from children.

Updates to This Policy

We may update this Cookie Policy periodically to reflect changes in technology or legal requirements. Any updates will include a new “Last Updated” date.

Contact Us

If you have questions about this Cookie Policy or how we handle personal information, please contact us:

Kearns Mortgage Team, LLC
3903 Northdale Blvd., Suite 100E
Tampa, FL 33624
Email: Hello@kearnsmortgageteam.com
Phone: 813-796-5755