Effective Date: August 10, 2026
MichelleGemmell.com respects the privacy of visitors to this website. This Privacy Policy explains what information may be collected through the site, how that information may be used, and the choices available regarding personal information.
Information Collected
Information may be provided voluntarily through the contact form or by communicating directly with Michelle Gemmell. This may include:
- Name
- Email address
- Telephone number
- Information included in a message or inquiry
The website may also collect limited technical information automatically, such as browser type, device type, IP address, referring pages, pages visited, and general usage information. This information may be collected through cookies, analytics tools, server logs, or similar technologies.
How Information Is Used
Information collected through MichelleGemmell.com may be used to:
- Respond to messages and inquiries
- Communicate about speaking, community, professional, or business opportunities
- Maintain and improve the website
- Monitor website performance and security
- Comply with applicable legal obligations
Personal information submitted through this website is not intended to serve as a mortgage application.
Mortgage and Financial Information
MichelleGemmell.com is a personal professional website for Michelle Gemmell. It is not a mortgage application portal and is not intended for the submission of sensitive financial information.
Social Security numbers, bank account information, income documentation, tax records, credit information, government identification numbers, or mortgage application documents should not be submitted through this website or its contact form.
Michelle Gemmell is Associate Vice President of Mortgage Lending with Guaranteed Rate Affinity, LLC, NMLS #1598647. Michelle Gemmell’s NMLS unique identifier is #1957379. Mortgage-related services and transactions are handled through Guaranteed Rate Affinity and are subject to Guaranteed Rate Affinity’s own privacy notices, terms, disclosures, and information-security practices. Guaranteed Rate Affinity maintains a separate online privacy notice consistent with its obligations as a financial institution.
A link to Michelle Gemmell’s official Guaranteed Rate Affinity lending profile is provided on this website for mortgage-related information.
Sharing of Information
Personal information may be shared with service providers that support the operation, hosting, security, maintenance, or administration of this website when reasonably necessary to provide those services.
Information may also be disclosed when required by law, legal process, court order, or a valid request from a governmental authority.
MichelleGemmell.com does not use information submitted through the contact form to independently make credit decisions or process mortgage applications.
Cookies and Analytics
MichelleGemmell.com may use cookies or similar technologies necessary for website operation, security, analytics, and performance measurement.
Browser settings may allow cookies to be limited or disabled. Disabling certain cookies may affect website functionality.
Developer note: If Google Analytics, Meta Pixel, Hotjar, HubSpot, LinkedIn Insight Tag, advertising pixels, or similar tracking tools are added, this section needs to name the relevant categories and the site may need consent or opt-out controls depending on configuration and applicable state law.
Third-Party Websites
This website contains links to third-party websites, including Guaranteed Rate Affinity. Once a visitor leaves MichelleGemmell.com, the privacy practices and terms of the third-party website apply.
MichelleGemmell.com is not responsible for the privacy practices, security, or content of third-party websites.
Data Security
Reasonable administrative and technical measures are used to protect information submitted through the website. No method of electronic transmission or storage can be guaranteed to be completely secure.
Sensitive financial or mortgage information should not be sent through the website contact form.
Data Retention
Personal information is retained only for as long as reasonably necessary for the purpose for which it was collected, to maintain relevant correspondence, or to satisfy applicable legal obligations.
Privacy Rights
Depending on applicable law and place of residence, individuals may have rights relating to access, correction, deletion, or other treatment of personal information.
Requests concerning personal information collected directly through MichelleGemmell.com may be sent to:
Michelle Gemmell
Camden County, Georgia
hello@michellegemmell.com
(954) 496-0549
Privacy requests concerning information collected through Guaranteed Rate Affinity or its systems should be directed to Guaranteed Rate Affinity through its official privacy resources. Guaranteed Rate Affinity publishes separate privacy policies and consumer privacy options.
Children’s Privacy
MichelleGemmell.com is intended for a general adult audience and is not directed to children under 13. The site does not knowingly seek to collect personal information from children under 13. Federal COPPA requirements apply to websites directed to children under 13 or operators with actual knowledge that they are collecting children’s personal information.
Changes to This Policy
This Privacy Policy may be updated when website practices, technology, or legal requirements change. The effective date at the top of the policy will reflect the latest revision.
Contact
Questions about this Privacy Policy may be directed to:
Michelle Gemmell
hello@michellegemmell.com
(954) 496-0549
Camden County, Georgia
