Who we are. Chester Financial LLC ("Chester," "we," "us"). We are licensed by the Connecticut Department of Banking as a Mortgage Correspondent Lender and operate as a mortgage broker. We arrange loans with third‑party lenders at your direction. We do not make credit decisions or fund loans. Services are available in Connecticut only.
Scope
This Policy covers the public portions of www.chester-financial.com (the "Website"), our website forms, and our communications with you before you become our customer. If you apply for or obtain mortgage services through us, our separate GLBA consumer privacy notice governs nonpublic personal information ("NPI") collected in connection with your application or services. See Addendum A.
We do not knowingly collect information from children under 13. We do not knowingly engage in targeted advertising to consumers ages 13–15 without their affirmative consent.
1) Information we collect
Information you provide
Examples: name, email, phone, address, loan goals, property details, and other information you choose to share through forms, calls, emails, or texts.
Information collected automatically
Examples: IP address, pages visited, timestamps, device/browser data, and similar usage data collected for security and analytics (see Cookies & Analytics).
Information from others
Examples: service providers (hosting, analytics, forms/SMS vendors), referral sources you ask to connect you with us, public records, and identity‑verification/anti‑fraud tools (if used).
2) How we use information
- Respond to inquiries and provide broker services (shopping/arranging loans with third‑party lenders at your direction).
- Verify identity, prevent fraud, and protect the Website.
- Operate, maintain, and improve the Website and user experience.
- Comply with law, examinations, and recordkeeping.
- (If you opt in) send service or marketing communications.
We do not use NPI collected in connection with an application or customer relationship for advertising or retargeting.
5) SMS/Texting & Calls (with consent)
By providing your phone number and clicking submit, you agree that Chester Financial LLC (and, if applicable, our service provider) may call or text you regarding your inquiry or services. Message frequency varies. Message/data rates may apply. Reply STOP to opt out, HELP for help. Consent is not required to obtain services. Do not send sensitive personal information by text. See our SMS Terms for details.
6) Your privacy choices and requests (CTDPA)
We do not sell personal information. If we enable advertising cookies or pixels in the future, that may be considered targeted advertising under certain state laws. Connecticut residents may opt out of targeted advertising using Your Privacy Choices or a recognized universal opt‑out signal as described above.
If the Connecticut Data Privacy Act (CTDPA) applies to us (depending on thresholds and any applicable exemptions), Connecticut residents may have the right to access, correct, and delete personal data and to opt out of targeted advertising and certain profiling. Submit requests at info@chester-financial.com. We will respond within the timeframes required by applicable law and may take reasonable steps to verify your identity.
Appeals. If we deny your request, you may appeal by emailing info@chester-financial.com with “Privacy Appeal” in the subject line. If your appeal is denied, our response will explain how to contact the Connecticut Attorney General.
7) Data security & retention
We use administrative, technical, and physical safeguards appropriate to our size and activities, including encryption in transit, access controls, and vendor due‑diligence. No method of transmission or storage is 100% secure.
We retain information only as long as necessary for the purposes described above, including to meet recordkeeping and examination requirements, and to resolve disputes, after which we securely delete or de‑identify information where feasible.
8) Accessibility
We aim to make our Website accessible to all users. If you have difficulty accessing any part of the Website, email info@chester-financial.com and we will assist you and work to remediate issues. See our Accessibility Statement for details.
9) Changes to this Policy
We may update this Policy from time to time. We will post the updated version and revise the “Last updated” date. Continued use of the Website after changes means you accept the updated Policy.
10) Contact
Questions, privacy requests, or complaints: info@chester-financial.comMailing address: 1006 S Main St, STE 2F, Plantsville, CT 06479
Phone: (860) 406‑3510
Addendum A — GLBA Consumer Privacy Notice (summary)
GLBA stands for the Gramm‑Leach‑Bliley Act. If you become our customer or applicant, federal GLBA privacy rules (commonly delivered via a separate “GLBA privacy notice”) govern how we handle nonpublic personal information (NPI) collected in connection with providing financial services.
We will provide the applicable customer privacy notice at application/engagement and/or when required. It will describe what information we collect, what information we share and with whom, what choices/opt‑outs are available (if any) under GLBA, and how we protect information.
Note: Our GLBA notice governs NPI for applicants/customers and controls over any conflicting terms in this Website Privacy Policy for that information. View GLBA Privacy Notice (PDF).