Privacy Policy

Last updated: March 12, 2026

Who We Are

McNath Capital Group LLC ("McNath," "we," "us," or "our") operates the website mcnathcapital.com and its associated financial calculator tools. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our Site.

We respect your privacy. We collect only what's necessary to provide our services, we're transparent about how we use it, and we never sell your data.

Information We Collect

Information you provide directly: When you submit a contact or referral form on our Site, we collect the information you enter, which may include:

• Full name
• Email address
• Phone number
• State of residence
• Estimated credit score range (selected from predefined ranges, not your actual score)
• Timeline and purpose of inquiry (e.g., "ready to buy now," "refinancing")
• Calculator inputs and results at the time of form submission
• Any additional information you choose to include in a message field

Information collected automatically: When you visit our Site, we may automatically collect certain technical information through cookies and similar technologies, including:

• IP address (anonymized where possible)
• Browser type and version
• Device type and operating system
• Pages visited and time spent on each page
• Referring website or search terms

We use this information to understand how visitors use our Site and to improve the user experience. We do not use this information to personally identify you.

Information we do NOT collect:

• Social Security numbers
• Bank account or routing numbers
• Credit card numbers
• Your actual credit score or credit report
• Any financial account credentials

How We Use Your Information

Data	Purpose
Name, email, phone	To connect you with a licensed professional from our partner network and to confirm your request
State, credit range, timeline	To match you with the most appropriate specialist for your situation and geographic area
Calculator results	To provide context to the specialist so they can better assist you
Technical/browsing data	To maintain and improve our Site, analyze usage patterns, and ensure security

We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects.

How We Share Your Information

With our partner network: When you submit a referral form, we share your submitted information with one licensed professional from our vetted partner network who we believe is a suitable match for your inquiry. We do not sell your information to data brokers or distribute it to a list of providers.

Service providers: We may share limited information with trusted service providers who help us operate our Site (e.g., our hosting provider Netlify, analytics services). These providers are contractually prohibited from using your data for their own purposes.

Legal requirements: We may disclose your information if required by law, court order, or governmental regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

We never:

• Sell your personal information to third parties
• Share your information with multiple providers simultaneously
• Use your email address for marketing purposes unless you opt in
• Share your data with advertisers

Data Retention

We retain form submission data for as long as necessary to fulfill the purpose for which it was collected, typically no longer than 24 months. After this period, personal data is securely deleted or anonymized.

You may request deletion of your data at any time (see "Your Rights" below).

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. Our Site uses SSL/TLS encryption (HTTPS) to protect data in transit. Form submissions are processed through Netlify's secure infrastructure.

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information
• Opt-out: Request that we stop contacting you or sharing your information with partners
• Portability: Request your data in a commonly used, machine-readable format

To exercise any of these rights, contact us at info@mcnath.com. We will respond to your request within 30 days.

California Residents (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information:

• Right to know: You have the right to request what personal information we collect, use, disclose, and sell
• Right to delete: You have the right to request deletion of your personal information, subject to certain exceptions
• Right to opt-out of sale: We do not sell personal information, so this right does not apply. However, if our practices ever change, we will provide a clear opt-out mechanism
• Right to non-discrimination: We will not discriminate against you for exercising your CCPA rights

To submit a CCPA request, contact us at info@mcnath.com.

Cookies

Our Site may use cookies and similar technologies for basic functionality and analytics. Cookies are small text files stored on your device that help us understand how you use our Site.

We use:

• Essential cookies: Required for the Site to function properly (e.g., form submission processing)
• Analytics cookies: Help us understand traffic patterns and improve our Site (e.g., Google Analytics, if implemented)

We do not use advertising cookies or tracking pixels. You can disable cookies in your browser settings, though this may affect certain Site functionality.

Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete it.

Third-Party Links

Our Site may contain links to third-party websites. This Privacy Policy applies only to mcnathcapital.com. We are not responsible for the privacy practices of other websites. We encourage you to read the privacy policy of any website you visit.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes become effective when posted to this page with an updated "Last updated" date. We encourage you to review this page periodically. Your continued use of the Site following any changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy, wish to exercise your data rights, or have concerns about how we handle your information, please contact us:

McNath Capital Group LLC
Email: info@mcnath.com
Website: mcnathcapital.com/contact