Legal
Privacy Policy
Last updated: September 28, 2026. This policy explains how Coldstone Real Estate Services collects, uses, and protects information you share through this website.
Introduction & Scope
Coldstone Real Estate Services ("Coldstone," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit coldstonerealestateservices.com (the "Website") or contact us about a real estate, property, or mortgage-financing need.
Coldstone Real Estate Services is the public-facing brand and service platform. Regulated real estate brokerage activity is conducted by Frank J. Cotter, a licensed New Jersey Real Estate Salesperson. Mortgage loan-origination activity is conducted by Frank Cotter through NEXA Lending LLC (NMLS #1660690). The entity that collects or processes your information may depend on the nature of your request.
For mortgage-related inquiries, NEXA Lending LLC and its affiliates may collect and process your information under separate privacy notices provided during the application process. This Privacy Policy covers information collected through the Website.
Information We Collect
We may collect the following categories of information:
- Contact information — name, email address, phone number, and mailing address.
- Property or financing details — property address or listing link, city or town, approximate price, timeline, and a brief description of your situation.
- Communication preferences — your preferred contact method, such as phone call, text message, or email.
- Website usage data — pages visited, referring URLs, browser type, and similar technical information collected through cookies and analytics tools.
We do not request Social Security numbers, bank account numbers, credit reports, or tax documents through the general contact or property inquiry forms on this Website. Information you submit through the secure mortgage application portal is collected and governed by NEXA Lending LLC's privacy practices.
How We Use Information
We use the information we collect to:
- Respond to your inquiry and discuss your property or financing situation.
- Provide real estate assistance through the affiliated brokerage and mortgage assistance through NEXA Lending LLC.
- Coordinate with third parties involved in a transaction, such as title and settlement professionals, when appropriate and with your consent.
- Send relevant updates and communications, where you have consented to receive them.
- Improve the Website and our services.
- Comply with applicable legal and regulatory obligations.
Third-Party Links & Tools
The Website links to independent third-party property-search platforms and to a secure mortgage application portal operated by NEXA Lending LLC. We do not control these third parties' privacy practices and encourage you to review their privacy policies. The mortgage calculator is provided for educational purposes only.
Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Your Privacy Rights
Depending on where you live and applicable law, you may have rights to access, correct, delete, or limit the use of your personal information, and to opt out of certain marketing communications. New Jersey residents may have rights under the New Jersey Data Privacy Act, where applicable. To exercise any rights or ask questions, contact us using the information below.
You may opt out of marketing communications at any time by following the unsubscribe instructions in a message or by contacting us.
Calls, Texts & Email
By providing your phone number and selecting text message as a contact preference, you consent to be contacted at that number using SMS, calls, or prerecorded messages, including using automated telephone dialing systems, for purposes related to your inquiry, subject to applicable law, including the Telephone Consumer Protection Act. You may revoke this consent at any time by replying "STOP" or by contacting us. Standard message and data rates from your carrier may apply.
Children's Privacy
The Website is not directed to children under 18, and we do not knowingly collect personal information from children. If you believe a child has provided information to us, please contact us so we can remove it.
Data Retention
We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by applicable law and regulation.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last updated" date.
Contact Us
If you have questions about this Privacy Policy or how your information is handled, please contact Coldstone Real Estate Services:
- Phone: 732-616-5009
- Email: frankcotter3@gmail.com