Privacy Policy

This Privacy Policy describes how Andrew Kashella (NMLS #139171), originating loans through Innovative Mortgage Services, Inc. (NMLS #250769) (“we,” “us,” or “our”), collects, uses, shares, and protects information in connection with this website, andrewkashella.com (the “Site”), and the mortgage origination services we provide.

As a financial services provider, we take the privacy of nonpublic personal information seriously and maintain this policy consistent with the Gramm-Leach-Bliley Act (GLBA) and other applicable federal and state laws.

1. Who we are

Andrew Kashella is a mortgage loan originator based in Dunedin, Florida, serving Pinellas County, the Greater Tampa Bay area, and communities across Florida, and originating residential mortgage loans through Innovative Mortgage Services, Inc., a licensed mortgage brokerage. Licensing for both can be verified at the NMLS Consumer Access website.

2. Information we collect

Information you provide

• Contact information: name, email address, and phone number, when you submit a form on this Site.
• Inquiry details: information you choose to share about your home-financing goals, timeline, and situation.
• Calculator inputs: if you request a quote from our mortgage calculator, the figures you modeled (home price, down payment, rate, term, and estimated payment) are included with your inquiry so we can respond in context.
• Application information: if you proceed to a loan application (through our secure application platform), we collect the information required to originate a mortgage, which may include Social Security number, income, employment, asset, and credit information. Application data is collected and processed through secure, encrypted systems, not through this Site’s contact forms.

Information collected automatically

• Usage data: pages visited, referring sources, and general analytics collected through cookies and similar technologies (see Section 7).
• Technical data: IP address, browser type, and device information, including as part of our spam-prevention systems (Google reCAPTCHA).

Information from other sources

• Transaction information: if you become a client, we receive information from credit bureaus, verification services, lenders, title companies, and other settlement service providers as part of originating your loan.

3. How we use information

• To respond to your inquiries and provide the guidance you request;
• To originate, process, and close mortgage loans you apply for;
• To communicate with you about your inquiry, application, or transaction;
• To send marketing communications where you have consented to receive them (you may opt out at any time);
• To operate, secure, and improve the Site;
• To comply with legal and regulatory obligations that apply to mortgage professionals.

4. How we share information

We do not sell your personal information. We share information only as needed to serve you and as permitted by law:

• Lenders and settlement service providers: to originate and close your loan (lenders, underwriters, title and escrow companies, appraisers, insurers);
• Service providers: companies that support our operations under appropriate safeguards (for example, secure application platforms, customer relationship management, form processing, email delivery, and analytics);
• Regulators and legal process: when required by law, regulation, subpoena, or to protect against fraud;
• Affiliates of Innovative Mortgage Services, Inc.: as permitted by the GLBA privacy notice provided in connection with your application.

When you apply for a loan, you will receive the formal GLBA privacy notice for Innovative Mortgage Services, Inc., which describes information practices and any opt-out rights in connection with your application.

5. How we protect information

This Site is served exclusively over HTTPS. Loan application data is handled in secure, encrypted platforms designed for mortgage origination. We limit access to nonpublic personal information to those who need it to provide services to you, and we maintain administrative, technical, and physical safeguards appropriate to the sensitivity of the information.

6. Communications & consent

When you submit a form on this Site and check the consent box, you authorize Andrew Kashella and Innovative Mortgage Services, Inc. to contact you at the phone number and email address you provided, including by automated dialing system, pre-recorded voice message, and text message (SMS), about mortgage products and services. Your consent is not a condition of purchasing any product or service. You may revoke consent at any time by replying STOP to a text message, using the unsubscribe link in an email, or contacting us directly using the information below. Standard message and data rates may apply.

7. Cookies & analytics

The Site uses cookies and similar technologies for basic functionality, spam prevention (Google reCAPTCHA), and, where enabled, analytics that help us understand how visitors use the Site. Analytics tags are configured with Google Consent Mode, and a consent banner is presented on your first visit. You can control cookies through your browser settings; the Site remains usable with cookies disabled, though some features (such as forms protected by reCAPTCHA) may be affected. Use of reCAPTCHA is subject to Google’s Privacy Policy and Terms of Service.

8. California residents (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (as amended by the CPRA) provides you specific rights regarding personal information, including the right to know what personal information we collect, the right to request deletion, the right to correct inaccurate information, and the right to non-discrimination for exercising your rights. Note that information collected in connection with a loan application is generally subject to the GLBA and is exempt from certain CCPA provisions. We do not sell or share personal information for cross-context behavioral advertising. To exercise any right, contact us using the information below; we will verify your request and respond within the timeframes required by law.

9. State licensing disclosures

Andrew Kashella originates residential mortgage loans in Florida through Innovative Mortgage Services, Inc., a licensed mortgage brokerage. Verify licensing for both the individual originator and the brokerage at NMLS Consumer Access.

10. Children’s privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children.

11. Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top reflects the most recent revision. Material changes will be reflected on this page.

How to contact us