Privacy
Policy.

Last updated: May 16, 2026

About This Website

This website (homewithabdig.com) is the personal brand site of Abdirahman Gargar ("Abdi G."), a licensed mortgage loan originator (NMLS #2834772) operating under Mubarak Mortgage, a DBA of Home Mortgage Alliance Corporation (NMLS #1165808).

Important: This is NOT the official corporate website of Mubarak Mortgage or Home Mortgage Alliance Corporation. This is a personal brand website created to connect with clients and provide educational content about halal home financing. This privacy policy covers only information collected through homewithabdig.com.

Privacy Promise

I value your trust and am committed to safeguarding your personal information. I do not sell, trade, or transfer your Personally Identifiable Information (PII) to outside parties. This does not include trusted partners who assist in operating this website and serving clients, so long as those parties agree to keep your information confidential.

Information may be released when appropriate to comply with law, enforce site policies, or protect rights, property, or safety.

What Information Is Collected?

Information is collected to understand your financing needs and to provide relevant services. This includes:

• Name, email address, phone number
• Pre-qualification details: property preferences, timeline, down payment range, monthly budget, loan purpose
• Homebuyer Plan inputs: estimated annual household income, monthly debts, down payment savings, credit score range, and document readiness
• Co-borrower contact information when applicable
• Technical information: IP address, browser type, pages visited, referral source

What is NOT collected through this website: Social Security numbers, dates of birth, employment history, bank account numbers, credit card numbers, or credit reports. The Homebuyer Plan tool collects self-reported income and debt estimates (not verified financials) solely to provide a preliminary affordability assessment. Verified sensitive financial information is collected only through secure, licensed channels after you engage directly with a loan officer.

When Is Information Collected?

Information is collected when you:

• Fill out a pre-qualification inquiry form
• Submit a contact form or request a callback
• Sign up for the newsletter
• Download a resource (e.g., homebuyer checklist)
• Submit a partner referral or signup form
• Browse the website (anonymous analytics only)

How Is Your Information Used?

• To process pre-qualification and financing inquiries
• To respond to your questions and follow up on correspondence
• To send information you requested (newsletter, resources)
• To improve the website experience based on aggregate usage data

How Is Your Information Protected?

All form submissions are processed through a secure server-side proxy (Cloudflare Workers) that validates, sanitizes, and rate-limits all input before delivery. No API keys or credentials are exposed in your browser. All data in transit is encrypted using TLS (HTTPS).

Your personal information is accessible only to a limited number of authorized individuals who are required to keep it confidential. No sensitive financial data is stored on or processed through this website.

Cookies & Analytics

This website uses Plausible Analytics, a privacy-focused analytics tool that:

• Does NOT use cookies
• Does NOT collect personal data
• Does NOT track users across websites
• Is fully GDPR, CCPA, and PECR compliant

Plausible collects only aggregate, anonymous data: page views, referral sources, browser type, and country. No individual user can be identified.

Minimal cookies may be used for Cloudflare bot protection (Turnstile) on forms. These are strictly necessary for security and do not track browsing behavior.

Third-Party Service Providers

The following third-party services process data submitted through this website:

• Cloudflare Workers, Form submissions are routed through a secure Cloudflare Worker that validates input, enforces rate limits, and verifies bot protection tokens before delivery. Cloudflare processes requests according to their privacy policy.
• Cloudflare Turnstile, Bot protection on forms collecting personal information. Verifies submissions come from real users without invasive tracking.
• Web3Forms, Delivers form submissions to my email via HTTPS. Web3Forms does not store submission data beyond delivery.
• Plausible Analytics, Privacy-focused, cookie-free website analytics. No personal data is collected or shared. See Plausible's privacy commitment.
• Nominatim (OpenStreetMap), Address lookup suggestions during pre-qualification. Only the address text typed is sent; no personal information is transmitted.

Third-Party Links

This website may link to third-party sites that have their own privacy policies. I have no responsibility for the content or practices of linked sites.

Do Not Track

This site honors Do Not Track (DNT) browser signals. Since Plausible Analytics does not use cookies or track individuals, DNT compliance is inherent in the analytics approach.

Third-Party Behavioral Tracking

This website does not allow third-party behavioral tracking. No advertising pixels, retargeting scripts, or cross-site tracking tools are used.

California Consumer Privacy Act (CCPA)

California residents have additional rights over their personal information, including the right to know what data is collected, the right to delete it, and the right to opt out of its sale. Since this site does not sell personal information, the right to opt-out of sale is already satisfied.

To exercise your CCPA rights, contact me using the information below.

California Online Privacy Protection Act (CalOPPA)

In accordance with CalOPPA:

• Users can visit this site anonymously
• This Privacy Policy is clearly linked from all pages of the website
• Privacy Policy changes will be posted on this page with an updated date

COPPA (Children's Online Privacy Protection Act)

This website does not market to children under the age of 13 and does not knowingly collect PII from them. No third parties, including ad networks, collect data from children through this site.

CAN-SPAM Act

Email addresses collected through this website are used to respond to inquiries, send requested information, and follow up on correspondence. In accordance with CAN-SPAM:

• Emails will not use false or misleading subjects
• Commercial messages will be identified as such
• Emails will include a physical business address
• Opt-out/unsubscribe requests will be honored promptly

To unsubscribe from communications, use the link in any email or contact me directly.

Data Breach Response

In the event of a data breach affecting your personal information:

• You will be notified via email within 7 business days
• A notice will be posted on this website within 7 business days

Contact

If you have questions about this Privacy Policy or your data, please contact:

• Phone: (703) 348-0361
• Office: 4570 West 77th Street, Unit 335, Edina, MN 55435
• Email: info@homemac.com

Loan Originator: Abdirahman Gargar, NMLS #2834772
Operating under: Mubarak Mortgage, DBA of Home Mortgage Alliance Corporation, NMLS #1165808