Privacy Policy
Effective Date: 12/09/2025
Welcome to Biagio Maffettone’s website (“we,” “us,” “our”). We are committed to protecting your privacy and ensuring you have a positive experience when using our website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use biagiomaffettone.com. By accessing or using the Website, you agree to the practices described in this policy.
1. Information We Collect
We may collect and process the following types of information: Personal Information: information you voluntarily provide when you contact us, apply for a loan or service, fill out a form, send an email, or otherwise interact with our services. This includes: • Name • Address • Email address • Phone number • Financial information relevant to the loan or financing request (such as income, employment, property details) • Other information necessary for verifying your identity or eligibility for services Technical and Usage Information: automatically collected when you visit or interact with the Website. This may include: • IP address • Browser type and version • Device type • Pages visited and time spent on pages • Referring website / URL • Usage patterns and interactions with the site • Date and time of access Cookies and Similar Technologies: we use cookies, web beacons, tracking pixels, or other technologies to collect information about your browsing activities to help us improve the website, understand usage, and enhance user experience.
2. How We Use Your Information
We may use the information we collect for the following purposes: To respond to your inquiries, process loan applications or service requests To verify your identity and eligibility for financing or other services To provide, maintain, and improve our services and Website (e.g., fixing issues, adding features) To personalize your experience on the Website To send you communications, including service-related messages or promotional materials (if you opt in) To comply with legal obligations and industry regulations (e.g., mortgage lending laws) To prevent fraud, misuse, or unauthorized access To analyze usage trends and performance metrics
3. Disclosure of Information
We may disclose your personal information in the following cases: With Service Providers: third-party vendors or contractors who assist us (e.g. website hosting, email providers, data processing) under confidential agreements For Legal & Compliance Purposes: when required by law, regulation, or judicial process To Protect Rights & Safety: to enforce our policies, protect our rights, or defend against claims Business Transfers: if our business is sold, merged, or reorganized, your information may be transferred as part of that transaction Aggregate / Non-Identifiable Information: we may share data that has been anonymized or aggregated, so individual users are not identifiable
4. Data Security
We take security seriously. We implement reasonable administrative, physical, and technical safeguards to protect the security, confidentiality, and integrity of your personal data. These include (but are not limited to): Data encryption (in transit and where appropriate at rest) Secure Socket Layer (SSL) or similar secure transmission protocols Access controls: only personnel who need access to your data have it Regular monitoring, audits, and updates to our security procedures However, no method of data storage or transmission over the internet is completely secure. While we strive to protect your information, we cannot guarantee absolute security.
5. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to understand how our Website is used, improve user experience, and manage Website functionality. You can control cookies via browser settings (e.g., disable or delete cookies), though disabling some may affect site functionality. We may use third-party analytics tools (e.g. Google Analytics) to gather non-personal, aggregated information about usage patterns.
6. Your Rights
Depending on where you live and applicable laws, you may have certain rights regarding your personal data, including: Accessing the personal information we hold about you Correcting or updating inaccurate or incomplete information Deleting your personal information (with some exceptions, e.g., for legal compliance) Opting out of promotional or marketing communications Restricting or objecting to certain processing of your data If you want to exercise any of these rights, contact us using the information in Section 8.
7. Children’s Privacy
Our Website is not intended for individuals under 13 years of age. We do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will take steps to delete it as soon as possible.
8. Contact Information
If you have questions, concerns, or wish to exercise your rights under this Privacy Policy, you may contact: Biagio Maffettone bmaffetton@aol.com 914-841-2226
9. Updates to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or other needs. We will post the updated policy on this Website and update the “Last Updated” date. We may also provide additional notice (such as via email) when required by law.