Privacy Policy

This Privacy Policy explains how Gene Richter, a Mortgage Loan Originator (NMLS #2806488) operating through PBT Bancorp (NMLS #257781), collects and uses information you provide through https://financewithgene.com (the “Site”). By using this Site or submitting a form, you consent to the practices described here.

Information We Collect

When you submit a contact or consultation form, we collect the information you provide, which may include:

• Your name, email address, and phone number
• The loan purpose or general goal you select
• Records of your consent (including a timestamp and the consent language shown)

We intentionally do not collect Social Security numbers, income figures, property addresses, or loan amounts through this Site's forms. Any information required for a formal loan application is collected separately through a secure application system.

How We Use Your Information

• To respond to your inquiry and contact you about mortgage financing
• To match you with appropriate loan programs and lenders
• To comply with legal, regulatory, and recordkeeping obligations

How We Share Your Information

We share your information with PBT Bancorp and, as needed, with wholesale lenders and service providers involved in evaluating or processing your inquiry. We do not sell your personal information. We may disclose information when required by law or to protect our legal rights.

Communications Consent

If you provide your phone number and consent, you agree to receive calls, texts, and emails from Gene Richter and PBT Bancorp regarding your inquiry, including via automated systems. Message and data rates may apply. Consent is not a condition of any purchase or loan application. You may opt out at any time by replying STOP to texts, or by contacting us at grichter@pbtbmortgage.com or (719) 722-4278.

Cookies & Analytics

The Site may use cookies and similar technologies to understand how visitors use the Site and to improve it. You can control cookies through your browser settings.

Data Security

We use reasonable administrative and technical safeguards to protect the information you submit. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Your Choices

You may request that we correct or delete the contact information you submitted by emailing grichter@pbtbmortgage.com. Certain records may be retained where required by law or for legitimate business purposes.

Contact Us

Questions about this policy? Contact Gene Richter at grichter@pbtbmortgage.com or (719) 722-4278.