Privacy Policy | Ken Clark Jr. PRMG Sacramento

Overview

This Privacy Policy explains how Ken Clark Jr., a Certified Mortgage Advisor and Branch Manager with Paramount Residential Mortgage Group, Inc. (PRMG Mortgage, NMLS #75243), and the operator of kenclarkjr.com (Ken Clark Jr., NMLS #225375), collects, uses, and discloses personal information from visitors. This policy is designed to address requirements of the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), the California Invasion of Privacy Act (CIPA, including California Penal Code Sections 631, 632, and 638.51), and federal privacy regulations applicable to mortgage lending including the Gramm-Leach-Bliley Act.

Information We Collect

We may collect the following categories of personal information:

Identifiers: Name, email address, telephone number, mailing address, and other contact details you provide via forms, calls, or chat.
Internet activity: IP address, browser type, device information, pages viewed, links clicked, time on site, referring website, and similar log data.
Mortgage application information (when provided): Employment, income, assets, credit profile, property information, and other data required for mortgage prequalification.
Inferences and behavioral data: Session activity, scroll behavior, click paths, and other interaction data captured by analytics tools (described below).

Third-Party Tracking Tools We Use

We use the following third-party tools that may collect information about your visit. We obtain affirmative consent through our consent banner before activating these tools on your browser. If you decline consent, these tools will not load on this site for your session.

Google Analytics 4 (GA4)

Operator: Google LLC. Purpose: Aggregate website analytics, traffic source attribution, conversion measurement.

Data captured: Anonymized IP address, pageviews, session duration, events, browser/device info, geographic region (city level).

Vendor privacy: Google Privacy Policy. Opt out individually: Google Analytics Opt-Out Browser Add-on.

Microsoft Clarity

Operator: Microsoft Corporation. Purpose: Session replay, heatmaps, and behavior analytics for site usability improvements.

Data captured: Mouse movements, click patterns, scroll behavior, form interactions (with sensitive fields automatically masked), session duration, page paths. Clarity uses cookies and similar technologies. We do not link Clarity recordings to other personal information.

Vendor privacy: Microsoft Privacy Statement.

LeadConnector Chat Widget (GoHighLevel)

Operator: HighLevel, Inc. Purpose: Site chat functionality, allowing visitors to message us directly. The chat widget is treated as an essential business communication tool and is available to all site visitors so you can reach our team.

Data captured: Chat messages you send through the widget, IP address, browser info, and any contact information you voluntarily provide. The widget includes a built-in consent checkbox before a chat begins, so no chat content is captured without your affirmative action.

Vendor privacy: HighLevel Privacy Policy.

Your Privacy Choices Under California Law

Pen Register / Trap and Trace Notice (California Penal Code Section 638.51)

California Penal Code Section 638.51 restricts the unauthorized use of pen register or trap-and-trace devices on California residents. We obtain your affirmative consent through our consent banner before activating Google Analytics and Microsoft Clarity, both of which collect session and behavior data. If you decline consent, those analytics tools will not run on your browser for this site. Our LeadConnector chat widget is treated as essential business communication and is available to all visitors so you can reach our team; the widget itself includes a built-in consent prompt before any chat content is captured. Essential site functionality (page navigation, forms you submit voluntarily, contact us directly by phone or email) does not depend on analytics tools and will continue to work either way.

CCPA and CPRA Rights

If you are a California resident, you have the following rights under the CCPA and CPRA:

Right to Know what personal information we collect, use, disclose, and sell or share.
Right to Delete personal information we have collected (subject to exceptions required for mortgage origination and federal record-keeping).
Right to Correct inaccurate personal information we maintain.
Right to Opt Out of the sale or sharing of personal information.
Right to Limit Use of Sensitive Personal Information.
Right to Non-Discrimination for exercising any CCPA right.

To exercise any of these rights:

Email: kclarkjr@prmg.net
Phone: (916) 275-3469
Or click the Tracking Preferences or Do Not Sell or Share My Personal Information links in the site footer.

We will verify your identity through reasonable means before completing your request. Some requests may be denied where retention is required by federal mortgage lending regulations (Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act) or where information is necessary to complete a transaction you initiated.

How We Use Personal Information

To respond to your inquiries, calls, chat messages, and form submissions
To prequalify and originate mortgage loans through PRMG
To provide educational content via the site, email, and SMS (where you have opted in)
To improve site usability and content (via analytics tools described above, when consented)
To comply with federal mortgage lending regulations and record-keeping requirements
To prevent fraud and unauthorized access

How We Share Personal Information

We may share personal information with:

PRMG Mortgage (the lender of record) for mortgage application processing
Service providers (analytics, hosting, chat, CRM, email marketing) under contractual confidentiality requirements
Government agencies as required by law (including HUD, FHFA, state regulators, and the NMLS Consumer Access database)
Credit bureaus and verification services when you have authorized a credit pull or income verification

We do not sell personal information for monetary consideration. Some analytics tracking may constitute "sharing" under CPRA; you may opt out through the consent banner.

Data Retention

We retain personal information only as long as necessary for the purposes for which it was collected, including federal mortgage record retention requirements (generally three to five years depending on the document type, longer for closed-loan files).

Children

This site is not directed to children under 16. We do not knowingly collect personal information from children.

Updates to This Policy

We may update this policy from time to time. The "Last updated" date at the top of this page indicates when it was last revised.

Contact

Ken Clark Jr.
Certified Mortgage Advisor and Branch Manager, PRMG Mortgage
NMLS #225375 (Ken Clark Jr.), NMLS #75243 (PRMG)
1545 River Park Drive, Suite 400
Sacramento, CA 95815
Email: kclarkjr@prmg.net
Phone: (916) 275-3469

This Privacy Policy is provided for informational purposes regarding the operation of kenclarkjr.com. It is not legal advice. For specific guidance on your privacy rights or our compliance obligations, please consult a qualified attorney. Equal Housing Opportunity. PRMG Mortgage NMLS #75243. PRMG is licensed in 49 states, excluding New York.

Privacy Policy and Tracking Disclosures