Privacy Policy
Last updated: May 6, 2026
This Privacy Policy explains how Cynthia Rivera (NMLS# 1799407), operating through cyn.loans ("we," "us," or "our"), collects, uses, protects, and shares your personal information when you use our website at quiz.cyn.loans. By using this site, you agree to this policy.
1. What Information Is Collected
We collect the following personal information when you complete our home buyer quiz:
- First and last name
- Phone number (mobile)
- Email address
- Quiz responses: home buying intent, location, timeline, homeownership history, estimated credit score, down payment savings, employment type, and household income range
We do not collect Social Security numbers, credit card numbers, or government-issued ID numbers through this site. We do not perform credit pulls.
2. How Data Is Used
The information you provide is used to:
- Contact you regarding mortgage options, loan programs, and down payment assistance you may qualify for
- Send SMS text messages related to your inquiry (only with your explicit consent)
- Match your quiz responses to appropriate loan programs (FHA, USDA, Conventional, MassHousing DPA)
- Schedule consultations and follow up on your inquiry
- Comply with applicable mortgage licensing and federal disclosure requirements
3. SMS Opt-In Details
When you check the SMS consent box on our quiz form, you are opting in to receive SMS text messages from Cynthia Rivera at cyn.loans about mortgage options, loan programs, and appointment reminders.
- Message frequency: Message frequency varies based on your inquiry and follow-up schedule.
- Message and data rates: Msg & data rates may apply depending on your carrier plan.
- Opt-out: Text STOP at any time to unsubscribe from SMS messages. You will receive one confirmation message, then no further SMS will be sent.
- Help: Text HELP for assistance. You may also contact us directly at (413) 416-1413.
- SMS opt-in is optional and not required to submit the quiz form or receive a consultation.
No Sharing of SMS Opt-In Data: We do not sell, rent, share, or disclose your SMS opt-in information, phone number, or consent data to any third parties for their marketing or promotional purposes. Your opt-in to receive SMS messages from cyn.loans applies only to communications from Cynthia Rivera at cyn.loans and will not be shared with any other organization.
4. Cookie & Tracking Information
This site uses the following tracking technologies:
- Google Analytics (GA4): We use GA4 to collect anonymized data about how visitors interact with our quiz (page views, quiz step completions, form submissions). This data does not include personally identifiable information and is used solely to improve the user experience. You can opt out at tools.google.com/dlpage/gaoptout.
- Cookies: Google Analytics sets cookies in your browser to track session data. These cookies do not store your name, phone, or email.
- We do not use advertising cookies, retargeting pixels, or third-party tracking beyond Google Analytics.
5. Data Security Practices
We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Your quiz responses and contact information are transmitted over HTTPS (encrypted) and stored in a secured CRM system (GoHighLevel) with access controls. We regularly review our security practices to maintain appropriate safeguards. No method of internet transmission is 100% secure, and we cannot guarantee absolute security.
6. User Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request that we update or correct inaccurate information.
- Deletion: Request that we delete your personal information from our records.
- Unsubscribe from SMS: Text STOP to any SMS message to immediately opt out.
- Unsubscribe from email: Reply UNSUBSCRIBE to any email or contact us directly.
- Opt out of contact entirely: Contact us at (413) 416-1413 or via the information below.
We will respond to all data rights requests within 30 days.
7. Information Sharing
We do not sell your personal information. We do not share your data with third parties for their own marketing purposes. Your information may be shared only in these limited circumstances:
- With licensed mortgage lenders or investors as necessary to evaluate your loan options (with your knowledge)
- With service providers who assist us in operating our business (e.g., CRM platform), under strict confidentiality obligations
- As required by law, regulation, court order, or government authority
8. Contact Us
Questions about this Privacy Policy or your data? Contact us:
Cynthia Rivera
NMLS# 1799407 | Licensed in MA & CT
Phone: (413) 416-1413
Website: cyn.loans
9. Changes to This Policy
We may update this Privacy Policy periodically. The date at the top reflects the most recent revision. Continued use of our site constitutes acceptance of the updated policy.