Who we are
This website (kenclarkjr.com) is operated by Ken Clark Jr., a Certified Mortgage Advisor and Branch Manager licensed under NMLS #225375 with Paramount Residential Mortgage Group, Inc. (PRMG), NMLS #75243. You can contact us at (916) 275-3469 or kclarkjr@prmg.net.
Information we collect
Information you provide directly: When you fill out forms on this site (DPA Finder questionnaire, contact forms, calculator lead gates, scheduling pages), we collect:
- Name
- Email address
- Phone number
- Mortgage scenario details (purchase price, loan type, credit range, timeline, etc.)
- Any other information you voluntarily provide
Information collected automatically: Like most websites, we use cookies and similar technologies to collect:
- IP address (anonymized for analytics)
- Browser type and version
- Pages visited and time spent
- Referring website
- Device type (mobile/desktop)
- Approximate geographic location (city-level)
How we use your information
We use the information you provide to:
- Respond to your inquiry or pre-qualification request
- Determine your eligibility for mortgage programs and assistance
- Contact you by phone, text (SMS), or email about your mortgage scenario
- Send you scheduled appointment confirmations and follow-ups
- Improve our services and website experience
- Comply with legal and regulatory requirements (federal mortgage lending compliance)
Communication consent (TCPA)
By submitting your information through any form on this site, you consent to be contacted by Ken Clark Jr. of PRMG by phone, SMS text, or email, including via automated technology, at the contact information you provide. Consent is not required as a condition of purchasing any goods or services. Standard message and data rates may apply. Reply STOP to opt out of text messages at any time. Reply HELP for help.
Cookies and tracking
We use Google Analytics 4 (GA4) to understand how visitors use our website. GA4 uses cookies to collect anonymized analytics data. We do not use cookies for advertising purposes or to track you across other websites.
You can manage your cookie preferences through the consent banner on this site. Declining cookies disables analytics tracking but does not affect your ability to use the site.
Who we share your information with
We may share your information with:
- Paramount Residential Mortgage Group, Inc. (PRMG), the entity we operate under, for processing your loan
- Loan processing partners (appraisers, title companies, credit bureaus) when you formally apply for a loan
- Service providers we use to operate our website (Formspree for form submissions, Cloudflare for hosting, Google for analytics, Calendly for scheduling)
- Government and regulatory bodies when required by federal or state mortgage lending laws
We do not sell your personal information to third parties for advertising or marketing purposes.
California residents, your privacy rights (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) gives you the following rights:
- Right to know: what personal information we collect, use, and share about you
- Right to delete: request that we delete your personal information (subject to legal retention requirements for mortgage lending)
- Right to opt out: we do not sell personal information, but you can request not to be contacted
- Right to non-discrimination: you will not receive different service or pricing for exercising your privacy rights
To exercise these rights, email kclarkjr@prmg.net or call (916) 275-3469.
Data security
We use industry-standard security measures including HTTPS encryption, secure form transmission, and access controls. However, no method of internet transmission is 100% secure. We cannot guarantee absolute security of your information.
Data retention
We retain your information for as long as needed to provide services and as required by federal mortgage lending regulations (typically 3-7 years after loan completion or last contact).
Children's privacy
This website is not directed to anyone under the age of 18, and we do not knowingly collect information from minors.
Changes to this policy
We may update this Privacy Policy from time to time. The "Effective Date" at the top reflects the most recent update.
Contact us
For questions about this Privacy Policy or our data practices:
Ken Clark Jr., NMLS #225375
Paramount Residential Mortgage Group, Inc.
1545 River Park Drive, Suite 400
Sacramento, CA 95815
Phone: (916) 275-3469
Email: kclarkjr@prmg.net
This privacy policy applies to this website. For PRMG's corporate privacy policy covering loan applications, see prmg.net/privacy-policy/.