Privacy Policy
Last updated: October 7, 2026
This Privacy Policy explains how Joe Vultaggio and Cardinal Financial Company, Limited Partnership ("Cardinal Financial," "we," "our," or "us") collect, use and protect information through this website and related communications, including text messages.
Information We Collect
We collect information you provide directly to us, including:
- Your name, email address and phone number when you contact us by phone, email, chat or text message.
- The type of loan or service you are interested in and details you share about your home, purchase or project.
- Communications you send us, including chat messages, text messages, emails and call back requests.
We may also collect standard technical information such as browser type and pages visited on this website.
SMS and Text Messaging
If you provide your mobile number and consent through the chat widget on this website, we may send SMS text messages related to your inquiry. The information we collect for this purpose includes your name, mobile phone number and the details of your inquiry. We use it to respond to your questions, schedule conversations, and share updates and information about home financing.
- Consent to receive SMS messages is not a condition of any purchase.
- Message frequency varies.
- Message and data rates may apply.
- Reply STOP to unsubscribe and opt out of further SMS messages.
- Reply HELP for assistance.
How We Use Your Information
- To respond to your inquiries and discuss loan options.
- To schedule and hold conversations you request.
- To send SMS messages about your inquiry, where you have provided consent.
- To improve this website and our service.
- To comply with legal and regulatory obligations and protect our rights.
Sharing Your Information
We do not sell your personal information. We may share information with service providers who help us operate our business (for example, communications platforms), under appropriate confidentiality obligations, or where required by law. As stated above, no mobile information will be shared with third parties or affiliates for marketing or promotional purposes, and text messaging originator opt-in data and consent will not be shared with any third parties.
If you apply for a loan, the handling of your application information is governed by Cardinal Financial's consumer privacy notice provided with your application, in accordance with the Gramm-Leach-Bliley Act and other applicable law.
Your Choices
- You may opt out of SMS messages at any time by replying STOP to any message.
- You may request assistance by replying HELP.
- You may email us to request access to, correction of or deletion of your personal information, subject to legal retention requirements.
Data Retention and Security
We retain personal information only as long as necessary to respond to inquiries, provide our services and meet legal obligations. We use reasonable administrative, technical and physical safeguards, but no method of transmission or storage is completely secure.
Children's Privacy
This website is not directed to individuals under 18, and we do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time and will post the updated version on this page with a revised "Last updated" date.
Contact Us With Privacy Questions
Joe Vultaggio, Cardinal Financial
532 Broadhollow Rd, Ste 135, Melville, NY 11747
Phone: (516) 884-2689
Email: joe.vultaggio@cardinalfinancial.com