About This Policy

MarrowLight LLC ("MarrowLight," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at https://marrowlight.com (the "Site") or use our services.

By using our Site or services, you consent to the practices described in this Privacy Policy.

Business Information:

• Legal Name: MarrowLight LLC

• Address: 30 N Gould St Ste R Sheridan, Wyoming 82801, United States

• Phone: +1 (813) 625-9622

• SMS/Text Line: +1 (813) 625-9622

• Email: brian.livingston@marrowlight.com

By using our services or Site, you consent to the practices described in this Privacy Policy.

This Privacy Policy is available at: https://compliance.marrowlight.com/privacy-policy-page

Who We Serve

MarrowLight LLC is a B2B digital marketing agency specializing in services for:

• Mortgage brokers and mortgage professionals

• Real estate agents and realtors

• Real estate brokerages

• Mortgage lending institutions

This Privacy Policy applies to our business clients and their authorized representatives who use our services.

Information We Collect

Client Information You Provide

When you use our services or interact with our Site, we may collect:

Business Contact Information:

• Business name and legal entity information

• Contact person name and title

• Business address

• Business email address

• Business phone number (office and mobile)

• Website URL

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Account and Service Information:

• Username and password for our platform

• Service preferences and settings

• Marketing campaign details

• Social media account information (for management services)

• Advertising account credentials (with your permission)

• Payment and billing information

• Communication preferences

Professional Information:

• License numbers (real estate/mortgage broker licenses)

• Professional credentials and certifications

• Business registration details

• Industry-specific compliance information

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Marketing and Campaign Data:

• Target audience information

• Ad copy and creative materials

• Campaign performance metrics

• Lead generation data

• CRM integration data

Information Collected Automatically

When you visit our Site, we may automatically collect:

Technical Data

• IP address

• Browser type and version

• Device type and operating system

• Time zone and location data

• Pages viewed and links clicked

• Referring website

• Date and time stamps of visits

Cookies and Tracking Technologies: We use cookies (small data files stored on your device) to enhance your experience on our Site. Cookies help us:

• Remember your preferences

• Understand how you use our Site

• Improve Site functionality

• Analyze Site traffic and usage patterns

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You can control cookie settings through your browser, but disabling cookies may limit your ability to use certain features of our Site.

Third-Party Information

We may receive information about you from:

• Social media platforms (when you connect accounts for management)

• Advertising platforms (Facebook Ads, Google Ads, etc.)

• CRM systems you integrate with our platform

• Public business directories and databases

• Analytics and data providers

How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery

• Schedule and manage appointments

• Provide requested services

• Communicate with you about your appointment status

• Send service confirmations and updates

• Respond to your inquiries and support requests

Business Operations

• Process payments for services

• Confirm appointments

• Send service reminders and updates

• Improve our services and customer experience

• Comply with legal and regulatory requirements

• Prevent fraud and unauthorized access

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Communication

• Send appointment confirmations and reminders via SMS, email, or phone

• Provide updates on service status

• Send important service announcements

• Respond to your inquiries and support requests

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Marketing (With Your Consent)

• Send promotional offers and special discounts (opt-in required)

• Provide information about new services and updates

• Share relevant content and resources

You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or replying STOP to text messages.

We use the collected information for the following business purposes:

Business Contact Information:

• Business name and legal entity information

• Contact person name and title

• Business address

• Business email address

• Business phone number (office and mobile)

• Website URL

Account and Service Information:

• Username and password for our platform

• Service preferences and settings

• Marketing campaign details

• Social media account information (for management services)

• Advertising account credentials (with your permission)

• Payment and billing information

• Communication preferences

Professional Information:

• License numbers (real estate/mortgage broker licenses)

• Professional credentials and certifications

• Business registration details

• Industry-specific compliance information

Marketing and Campaign Data:

• Target audience information

• Ad copy and creative materials

• Campaign performance metrics

• Lead generation data

• CRM integration data

Information Collected Automatically

When you use our platforms or services, we may automatically collect:

Technical Data:

• IP address

• Browser type and version

• Device information

• Operating system

• Pages viewed and features used

• Time stamps and session duration

• Referring website or source

Platform Usage Data:

• Login frequency

• Feature utilization

• Campaign performance metrics

• Dashboard interactions

• Report generation activity

Cookies and Tracking Technologies: We use cookies and similar technologies to:

• Maintain your session and login state

• Remember your preferences

• Analyze platform usage and performance

• Improve user experience

• Provide analytics and reporting

You can control cookie settings through your browser, but disabling cookies may limit platform functionality.

Third-Party Information

We may receive information about you from:

• Social media platforms (when you connect accounts for management)

• Advertising platforms (Facebook Ads, Google Ads, etc.)

• CRM systems you integrate with our platform

• Public business directories and databases

• Analytics and data providers

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SMS/Text Messaging Privacy

Consent to Receive Text Messages

When you provide your mobile phone number to MarrowLight LLC, you may consent to receive SMS text messages regarding:

• Appointment confirmations and reminders

• Service status updates

• Important notifications

• Rescheduling options

• Follow-up communications

How We Collect SMS Consent

Website Opt-In:

When scheduling appointments through our booking calendar at https://crm.marrowlight.com/widget/bookings/marrowlight-appointments, you check consent boxes agreeing to receive both:

1. Transactional Messages: Appointment reminders, order confirmations, and account notifications

2. Marketing Messages: Special offers, discounts, and promotional updates

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Text-to-Join:

You may text the keyword "START" to (813) 625-9622 to opt in to SMS updates.

Message Frequency

Message frequency may vary depending on your appointment schedule and the services you request. You may receive appointment confirmations, reminders, follow-ups, and occasional promotional messages.

Opt-Out Instructions

To stop receiving text messages: Reply STOP to any text message from us. You will receive a confirmation message that you have been unsubscribed.

For assistance: Reply HELP to any text message, or contact us at (813) 625-9622.

Message Rates

Standard message and data rates from your mobile carrier may apply. We do not charge for text messages, but your carrier may charge you for receiving messages based on your mobile plan.

Important Notes

• We do not share your mobile phone number with third parties for marketing purposes

• Text messages are not encrypted; do not send sensitive information via SMS

• For secure communications regarding sensitive information, please contact us by phone or through secure channels

How We Share Your Information

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following circumstances:

Service Providers

• We may share information with trusted third-party service providers who assist us in operating our business, including:

• Payment processors (to process credit card and ACH transactions)

• Cloud storage providers (to securely store client records)

• Appointment scheduling platforms (to manage bookings)

• Email and SMS communication platforms (to send appointment reminders and updates)

  
  

  These service providers are contractually obligated to keep your information confidential and use it only for the purposes we specify.

Legal Requirements

We may disclose your information if required by law or if we believe disclosure is necessary to:

• Comply with legal processes or government requests

• Enforce our terms of service

• Protect the rights, property, or safety of MarrowLight LLC, our clients, or others

• Prevent fraud or criminal activity

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Business Transfers

If MarrowLight LLC is acquired by or merged with another company, your information may be transferred to the new owners, subject to the terms of this Privacy Policy.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

Security Measures Include:

• Encryption: Sensitive data transmitted through our Site is encrypted using SSL/TLS technology

• Secure Storage: Client records are stored in secure, password-protected systems with restricted access

• Access Controls: Only authorized employees who need access to perform their job duties can view client information

• Employee Training: Our staff is trained on data privacy and security best practices

• Physical Security: Sensitive documents are stored securely with restricted access

• Regular Security Audits: We periodically review our security practices to identify and address vulnerabilities

Limitations

While we take reasonable steps to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

Your Responsibility

To protect your information:

• Keep your login credentials confidential (if using our client portal)

• Do not share sensitive information via unsecured email or text message

• Contact us immediately if you suspect unauthorized access to your information

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Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal requirements.

Retention Periods:

• Service Records: We retain records of services provided and related documentation for a minimum of 3-7 years for business and legal purposes.

• Payment Records: We retain payment and billing records for 7 years for accounting and tax purposes.

• Communication Records: We may retain records of correspondence for 3-5 years, depending on the nature of the communication.

• Inactive Accounts: If you do not use our services for an extended period, we may archive or delete your non-essential information while retaining records required by law.

Secure Disposal

When we dispose of your information, we do so securely by shredding physical documents and permanently deleting electronic records.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Access and Correction

You have the right to:

• Access the personal information we hold about you

• Request correction of inaccurate or incomplete information

• Request a copy of your service records and related document

  
  

  To exercise these rights, contact us at brian.livingston@marrowlight.com or (813) 625-9622.

Opt-Out Rights

You may opt out of:

• Marketing Communications: Unsubscribe from promotional emails or reply STOP to marketing text messages

• Non-Essential Cookies: Adjust your browser settings to refuse cookies (this may limit Site functionality)

California Residents (CCPA Rights)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, and shared

• Right to request deletion of your personal information (subject to legal exceptions)

• Right to opt out of the "sale" of personal information (note: we do not sell personal information)

• Right to non-discrimination for exercising your privacy rights

  
  

  To submit a request, contact us using the information provided in the "Contact Us" section below.

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Limitations

Certain rights may be limited by legal or regulatory requirements. For example, we may need to retain certain information for the time periods required by law.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children without proper parental consent. If you believe we have inadvertently collected information from a child without proper parental consent, please contact us immediately.

Third-Party Websites

Our Site may contain links to third-party websites or services. This Privacy Policy does not apply to those websites. We are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. If we make material changes, we will notify you by:

• Posting the updated policy on our Site with a new "Last Updated" date

• Sending an email notification to the email address on file

• Displaying a notice on our Site

• Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

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Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

MarrowLight LLC

13920 Lake Magdalene Blvd, Tampa, FL 33618, United States

• Phone: (813) 625-9622

• Email: brian.livingston@marrowlight.com

• Website: https://marrowlight.com

• Booking Calendar: https://crm.marrowlight.com/widget/bookings/marrowlight-appointments

• Office Hours: 8:00 AM to 5:00 PM

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By using our Site or services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.

MarrowLight LLC
Professional Services