Privacy Policy

Last updated May 19, 2026

This Privacy Policy explains how information submitted through josh.mortgage may be collected, used, and shared in connection with mortgage inquiries and related services. This website is operated for Josh Kostelyk, Mortgage Loan Originator with C2 Financial Corporation.

Information Collected

When you submit a form, request a Loan Estimate review, join a rate watch list, contact Josh, or request realtor partner resources, the site may collect information such as your name, email address, phone number, property state, estimated loan amount, current lender, scenario details, and any message you choose to provide.

The site may also collect technical and usage information such as pages viewed, links clicked, device/browser information, approximate location derived from IP address, referral source, campaign parameters, and analytics events.

If you choose to complete a full mortgage application, you will be directed to a secure C2/ARIVE application portal. Information submitted inside that application portal is handled by that application experience and applicable mortgage systems.

How Information Is Used

Information you submit may be used to respond to your inquiry, review your mortgage scenario, create a lead record, provide follow-up, prepare for a conversation, improve the website, and support mortgage-related communications you requested or consented to receive.

Analytics, Tracking, And Retargeting

This site may use analytics tools, tracking pixels, cookies, tags, or similar technologies to understand website traffic, measure marketing performance, improve user experience, and support future advertising or retargeting campaigns. Current analytics include Google Analytics. These tools may process usage information and campaign data according to their own policies.

Service Providers And Systems

Website form submissions may be stored in a database, sent by email notification, and pushed into ARIVE as a lead so Josh can follow up. The site may use third-party service providers for hosting, database storage, email delivery, mortgage lead management, and mortgage application services. These may include website hosting, CRM or lead management systems, automation tools, analytics platforms, email/SMS providers, and mortgage technology platforms.

Sharing

Information may be shared as needed with C2 Financial Corporation, mortgage technology providers, service providers, and other parties involved in responding to your request or processing a mortgage inquiry. Information may also be disclosed when required by law, regulation, legal process, or applicable mortgage compliance obligations.

Data Retention

Information may be retained for as long as reasonably needed to respond to inquiries, maintain business records, comply with legal or regulatory obligations, support mortgage compliance needs, resolve disputes, and improve site operations. Retention periods may vary depending on the type of record and applicable requirements.

Your Choices And Privacy Requests

You can request that Josh update your contact preferences or stop marketing communications by emailing [email protected] or calling (206) 755-3050. Transactional or application-related communications may still be sent when needed to respond to your inquiry or service your request.

You may also contact Josh to request access, correction, deletion, or limitation of personal information where applicable. Some information may need to be retained for legal, regulatory, compliance, security, or legitimate business reasons.

Contact

Josh Kostelyk | NMLS 101918
C2 Financial Corporation | NMLS 135622
[email protected]
(206) 755-3050