Privacy Policy

Effective Date: October 26, 2026
Last Updated: October 26, 2026

At Treeside Financial, your privacy matters. We believe that exploring mortgage options should be straightforward, transparent, and respectful of your personal information.

This Privacy Policy explains how information is collected, used, shared, and protected when you visit TreesideFinancial.com, complete an educational assessment, request mortgage information, or interact with our website.

TreesideFinancial.com is a consumer-facing website and brand owned and operated by James “Jim” Mucci (NMLS #138693). Mortgage origination services promoted through this website are offered through Treeside Financial a DBA of NEXA Mortgage, LLC (Company NMLS #1660690), an Equal Housing Lender.

TreesideFinancial.com serves primarily as an educational, marketing, and initial-contact website. It is not a full mortgage application or loan-processing platform. Formal mortgage applications, sensitive financial information, and supporting documentation are handled through separate loan origination and application systems approved for use by NEXA Mortgage, LLC.

1. Scope of This Privacy Policy

This Privacy Policy applies to TreesideFinancial.com and associated landing pages, educational tools, mortgage assessments, contact forms, calculators, appointment scheduling features, and related online services that link to this policy (collectively, the “Site”).

This policy describes the information collected through the Site and how it may be used in connection with mortgage inquiries and services provided through NEXA Mortgage, LLC.

Separate mortgage application systems, lender portals, and third-party services may have additional privacy policies, disclosures, and terms governing information submitted directly through those platforms.

2. Information We Collect Through TreesideFinancial.com

Our website is designed to collect preliminary information that helps us understand your mortgage-related questions, goals, circumstances, and preferred next steps.

A. Contact Information

When you request information, complete an assessment, or schedule a conversation, we may collect:

  • First and last name
  • Email address
  • Telephone number
  • City, state, or ZIP code
  • General property location or address when relevant
  • Preferred communication methods
  • Appointment requests and scheduling preferences
  • Information voluntarily included in messages or contact forms

B. Preliminary Mortgage Assessment Information

Our educational assessments may ask general questions about your homeownership goals and financial circumstances.

Depending on the assessment, information may include:

  • Whether you currently own or rent a home
  • Home purchase or refinancing goals
  • Estimated purchase price or property value
  • Approximate outstanding mortgage balances
  • Estimated available home equity
  • General down payment information
  • Self-reported credit score ranges or credit ratings
  • General income or affordability estimates
  • Estimated debt or payment information
  • Desired financing timeline
  • Other general information relevant to the assessment

This information is generally self-reported and is used to provide educational guidance, assess potential mortgage options, and help determine appropriate next steps.

C. Sensitive Financial Information and Documents

TreesideFinancial.com does not provide general website forms intended to collect complete mortgage applications, Social Security numbers, bank account credentials, tax returns, pay stubs, bank statements, or other sensitive mortgage application documents.

Please do not submit Social Security numbers, bank account numbers, passwords, tax documents, or other sensitive financial records through our general contact forms, educational assessments, or ordinary website messaging features.

If sensitive documents or detailed financial information are required for a mortgage application, you will be directed to an appropriate NEXA-approved application or document submission system.

D. Automatically Collected Website Information

Like many websites, TreesideFinancial.com may automatically collect certain technical and usage information, including:

  • Internet Protocol (IP) address
  • Browser and device information
  • Operating system
  • Approximate geographic location derived from technical data
  • Pages viewed and website navigation activity
  • Referral sources
  • Cookies and similar identifiers
  • Website interactions and conversion events

This information may be used to maintain website functionality, improve the visitor experience, understand website traffic, measure marketing performance, and support security.

3. How We Use Information Collected Through the Site

Information collected through TreesideFinancial.com may be used to:

  • Respond to questions and mortgage inquiries
  • Provide educational mortgage information
  • Generate preliminary assessment results
  • Help you understand potentially relevant mortgage options
  • Recommend appropriate next steps
  • Schedule telephone or virtual appointments
  • Contact you about information you requested
  • Connect you with mortgage application resources
  • Coordinate requested mortgage services through NEXA Mortgage, LLC
  • Improve website content and user experience
  • Measure advertising and marketing effectiveness
  • Maintain website security and prevent misuse
  • Comply with applicable legal and regulatory obligations

Marketing communications are subject to applicable consent and communication preference requirements.

4. Educational Assessments and Preliminary Results

Treeside Financial offers educational tools intended to help consumers better understand their home financing circumstances and available options.

These tools may include homebuyer readiness assessments, refinance assessments, home equity assessments, mortgage calculators, and similar resources.

Assessment responses may be processed using automated calculations, scoring methods, or predefined rules to generate preliminary results, educational recommendations, readiness categories, or suggested next steps.

These results are educational and do not constitute a mortgage application approval, credit decision, underwriting determination, or commitment to lend.

Formal mortgage eligibility and financing terms are determined through an appropriate application and review process.

5. Formal Mortgage Applications and NEXA-Approved Systems

When you decide to proceed with a formal mortgage application, you may be directed from TreesideFinancial.com to a separate mortgage application platform approved for use by NEXA Mortgage, LLC.

These platforms may include ARIVE, Bevri, or other systems authorized for mortgage origination and processing through NEXA Mortgage, LLC.

These separate systems are used for functions such as:

  • Formal mortgage applications
  • Detailed borrower and financial information
  • Employment and income verification
  • Credit authorization and credit reports
  • Secure document submission
  • Mortgage disclosures and electronic signatures
  • Loan processing and underwriting coordination

Information submitted directly through those platforms is governed by applicable NEXA Mortgage, LLC privacy practices, required financial privacy notices, and the terms and privacy policies of the relevant technology providers.

James “Jim” Mucci may access appropriate application information through these systems in his authorized capacity as a mortgage loan originator with NEXA Mortgage, LLC.

We encourage consumers to review the privacy notices and disclosures presented by each application platform before submitting sensitive information.

6. Consumer Credit Information

Consumer credit reports and related credit information are subject to the Fair Credit Reporting Act (FCRA) and other applicable laws.

Completing an educational assessment, mortgage calculator, general contact form, or appointment request through TreesideFinancial.com does not, by itself, authorize a credit report to be obtained.

Where a consumer credit report is necessary for a mortgage application or other legally permissible purpose, any required authorization will be obtained through an appropriate process.

Credit reports may be obtained and reviewed through NEXA-approved mortgage application or verification systems, subject to applicable requirements.

7. How Information May Be Shared

Information collected through TreesideFinancial.com may be shared when necessary to respond to your inquiries, coordinate requested mortgage services, support website operations, or comply with applicable law.

A. NEXA Mortgage, LLC

Information you provide may be made available to NEXA Mortgage, LLC and authorized personnel when reasonably necessary to respond to your request, assist with mortgage options, or initiate requested mortgage-related services.

B. Website and Business Service Providers

Authorized technology providers may process limited information on our behalf to operate website forms, customer relationship management systems, appointment scheduling, communications, hosting, analytics, and related services.

Such access is intended to support the services being provided and is subject to applicable legal, contractual, and privacy requirements.

C. Requested Referrals or Additional Assistance

If you request assistance involving another authorized mortgage professional or provider, relevant information may be shared as permitted by law and consistent with applicable disclosures, permissions, and consumer choices.

A general inquiry or educational assessment submission does not automatically authorize unrelated third parties to independently market their services to you.

D. Legal and Regulatory Purposes

Information may be disclosed when required or permitted by applicable law, including lawful regulatory requests, legal proceedings, investigations, fraud prevention, and other legally authorized purposes.

E. Mobile Information and SMS Consent

Mobile information and text messaging opt-in data will not be shared with third parties or affiliates for their independent marketing or promotional purposes.

Such information may be shared with authorized messaging providers and aggregators only as necessary to operate communication services on our behalf.

8. Financial Privacy and GLBA Requirements

Information provided in connection with obtaining or considering a mortgage or other financial product may be protected under the Gramm-Leach-Bliley Act (GLBA), its implementing regulations, and other applicable financial privacy laws.

Mortgage services are offered through Treeside Financial a DBA of NEXA Mortgage, LLC.

Where required, NEXA Mortgage, LLC provides applicable financial privacy notices describing the collection, use, protection, and permitted disclosure of nonpublic personal information, along with relevant consumer choices.

This website Privacy Policy supplements, but does not replace, any separate legally required financial privacy notice associated with your mortgage application or financial relationship.

Additional corporate information is available through the NEXA Mortgage Privacy Policy.

9. Communications and Marketing Preferences

When you provide contact information and request assistance, we may use that information to respond to your inquiry, schedule appointments, and provide information related to the services requested.

Marketing calls, text messages, and automated communications are subject to applicable consent requirements.

Where required by law, appropriate consent will be obtained before sending certain automated or promotional communications.

Consent to receive automated marketing calls or text messages is not required as a condition of applying for or obtaining mortgage financing.

You may request changes to your communication preferences:

  • Text Messages: Reply STOP to an applicable messaging program.
  • Email: Use the unsubscribe link in marketing messages.
  • Telephone: Request placement on our internal Do-Not-Call list.
  • Direct Request: Email info@treesidefinancial.com.

For more information, please review our TCPA Compliance Policy.

10. Cookies, Analytics and Advertising Measurement

TreesideFinancial.com may use cookies, analytics software, advertising pixels, conversion measurement tools, and similar technologies to improve website performance, understand visitor activity, and evaluate marketing effectiveness.

Depending on the services enabled, these technologies may involve providers such as Google Analytics, Google Ads, Meta advertising tools, and other authorized service providers.

Information processed by these tools may include device identifiers, website usage information, referral sources, and certain interaction or conversion events.

Visitors may be able to limit cookies and certain tracking technologies through browser settings, device controls, or options provided by advertising platforms.

Some browsers provide Do Not Track signals. The Site may not respond to traditional Do Not Track signals because they are not uniformly interpreted. Applicable state privacy rights and legally required opt-out mechanisms remain subject to governing law.

11. Data Security

We recognize the importance of protecting information collected through our website.

Administrative, technical, and organizational safeguards are used or maintained as appropriate to the nature of the information and applicable legal requirements.

TreesideFinancial.com is designed for preliminary inquiries and educational assessments rather than collection of complete mortgage application files or supporting financial documents.

Consumers who wish to submit a formal mortgage application or sensitive financial documents are directed to appropriate NEXA-approved mortgage technology platforms.

No website, network, or electronic information system can be guaranteed completely secure. If you suspect unauthorized access to information associated with this Site, please contact us promptly.

12. Data Retention

Information collected through the Site may be retained for periods reasonably necessary to respond to inquiries, manage requested communications, maintain business records, comply with applicable laws, and fulfill legitimate operational purposes.

Retention periods may vary depending on the information involved, applicable mortgage-related recordkeeping requirements, and other legal obligations.

When information is no longer reasonably required, appropriate deletion, de-identification, or disposal measures may be applied, subject to applicable law and operational requirements.

13. Security Incidents and Breach Notifications

Applicable federal and state laws may require investigation, reporting, and notification when certain information security incidents occur.

Relevant obligations, including applicable Arizona data breach notification requirements and other federal or state requirements, will be addressed in accordance with governing law.

Where notification is legally required, appropriate notices will be provided in accordance with applicable requirements.

14. Your Privacy Rights and Choices

Depending on applicable law, your state of residence, and the type of information involved, you may have rights to request access to, correction of, deletion of, or certain restrictions on the use or disclosure of personal information.

Some financial information is subject to specialized privacy protections under laws such as the GLBA and FCRA. These laws may affect the rights and procedures applicable to particular information.

You may also request changes to your marketing communication preferences.

Privacy requests may be directed to info@treesidefinancial.com. We may require appropriate identity verification before processing certain requests.

15. Third-Party Websites and Services

TreesideFinancial.com may contain links to third-party websites, mortgage application systems, lender platforms, educational resources, and other services.

These services may maintain independent privacy policies, security practices, and terms of use.

When you access an external website or submit information directly through a separate platform, the privacy policies and disclosures applicable to that service may govern the information provided there.

16. Children’s Privacy

Our website and mortgage-related services are intended for adults and are not directed toward children under the age of 18.

We do not knowingly solicit personal information from children through the Site.

If you believe a child has submitted personal information, please contact us so the matter can be reviewed and appropriate action taken.

17. Changes to This Privacy Policy

This Privacy Policy may be updated to reflect changes in our website, services, technology, applicable laws, or information practices.

Updates will be published on this page with a revised effective or last-updated date. Additional notice or consent will be provided when required by applicable law.

18. Contact Information

For questions regarding this Privacy Policy, information collected through TreesideFinancial.com, or your communication preferences, please contact:

Treeside Financial
Website operated by James “Jim” Mucci
Mortgage Loan Originator
NMLS #138693

Mortgage Services:
Treeside Financial a DBA of NEXA Mortgage, LLC
Company NMLS #1660690
Equal Housing Lender

Website and Consumer Inquiries:
Phone: (586) 648-0021
Email: info@treesidefinancial.com
Website: https://treesidefinancial.com

NEXA Mortgage, LLC Corporate Address:
5559 S Sossaman Rd
Building 1, Suite 101
Mesa, AZ 85212

NEXA Mortgage Compliance:
compliance@nexamortgage.com

For additional corporate information, please review the NEXA Mortgage Privacy Policy and our Legal Disclosures and Licensing page.

Treeside Financial a DBA of NEXA Mortgage, LLC. Company NMLS #1660690. James “Jim” Mucci NMLS #138693. Equal Housing Lender.