Privacy Policy
Effective Date: 02/08/2025

1. Introduction

This website, operated by David Melnick (NMLS #2182259), is intended to provide general information about the home loan process. While I am a licensed mortgage loan officer affiliated with New Dominion Financial, LLC (NMLS #1199494), this site does not collect or process mortgage loan applications. Loan applications are handled exclusively through New Dominion Financial’s official website at www.newdominionfinancial.com/david.

David Melnick values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect the personal information you provide when using our website and services.

2. Information We Collect

When you use this website or contact me, I may collect the following types of personal information:

  • Name
  • Email address
  • Phone number
  • Inquiry details
  • Any other information you voluntarily provide when reaching out via contact forms, email, or phone

3. How We Use Your Information

The information collected is used solely for the following purposes:

  • To respond to your inquiries regarding the home loan process
  • To provide mortgage-related information
  • To communicate with you via phone, email, or SMS (with consent)
  • To comply with legal and regulatory requirements

4. Third-Party Links

This website may contain links to third-party websites, including the loan application page hosted by New Dominion Financial, LLC. I am not responsible for the privacy practices, security, or content of third-party websites. You should review their privacy policy before submitting any personal information.

5. Data Security

I take reasonable security measures to protect your personal information from unauthorized access, disclosure, or loss. However, no method of transmission over the internet is 100% secure, and I cannot guarantee absolute security.

6. Consumer Rights and Data Requests

Depending on your jurisdiction, you may have the right to:

  • Request access to the personal information collected about you
  • Request correction or deletion of your data
  • Opt out of marketing communications
  • Restrict or object to certain types of data processing
    To exercise these rights, please contact me at info@davidamelnick.com.

7. Compliance with TCPA (Telephone Consumer Protection Act)

If you provide your phone number, you consent to receive calls and text messages from me regarding mortgage inquiries. Consent is not required to obtain financial services. Message and data rates may apply. To opt out of SMS messages, reply “STOP” at any time.

8. Regulatory Compliance (GLBA & Regulation P)

I comply with the Gramm-Leach-Bliley Act (GLBA) and Regulation P, which protect the privacy of consumer financial information. I do not disclose nonpublic personal information except as permitted by law.

9. Consumer Complaint Information

If you have concerns regarding mortgage lending services, you may file a complaint with the following regulatory authorities:

10. Contact Information

For questions or concerns about this Privacy Policy, please contact:
David Melnick
Email: info@davidamelnick.com
Phone: +540-215-4966

SMS Privacy & Terms

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Privacy Policy Statement – SMS Terms & Conditions: By subscribing to David Melnick SMS services, you agree to receive text messages from us. David Melnick will send SMS messages to communicate with customers on the status of the projects they have requested to provide a better overall customer experience. For HELP, please contact us at (540) 215-4965. To opt-out of receiving messages, reply with “STOP” at any time. Message frequency may vary. Standard message and data rates may apply.