Privacy Policy

1. Introduction

This Privacy Policy describes how we collect, use, and protect your personal information when you use our mortgage services or visit our website. We are committed to protecting your privacy and maintaining the confidentiality of your personal financial information.

2. Information We Collect

We collect information that you provide directly to us, including:

• Personal Information: Name, address, phone number, email address, date of birth, Social Security number
• Financial Information: Income, employment information, bank account details, credit card information, assets, debts, and other financial obligations
• Loan Application Information: Property address, loan amount, loan purpose, and other information required for mortgage applications
• Credit Information: Credit reports, credit scores, and credit history obtained from credit bureaus
• Website Usage Information: IP address, browser type, pages visited, time spent on pages, and other analytics data

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage loan applications
• Provide mortgage loan products and services you request
• Verify your identity and creditworthiness
• Communicate with you about your application and account
• Comply with legal and regulatory requirements, including anti-money laundering laws
• Prevent fraud and enhance security
• Improve our services and website functionality
• Send you marketing communications (with your consent, where required)

4. Information Sharing and Disclosure

We may share your information with the following types of third parties:

4.1. Service Providers

We share information with service providers who help us operate our business, including:

• Lenders and investors who fund loans
• Credit reporting agencies (Equifax, Experian, TransUnion)
• Appraisal companies
• Title and escrow companies
• Insurance providers
• Technology and data processing vendors

4.2. Legal Requirements

We may disclose information when required by law, including:

• Court orders, subpoenas, or other legal processes
• Government and regulatory agencies
• Law enforcement agencies

4.3. Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4.4. We Do Not Sell Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

5. Fair Credit Reporting Act (FCRA) Disclosure

In connection with your loan application, we will obtain credit reports from one or more credit reporting agencies. You have the right to:

• Know what information is in your credit file and obtain a free copy of your credit report
• Dispute inaccurate information with the credit bureau
• Understand how credit information is used in the loan decision process
• Receive a copy of your credit report if your application is denied based on credit information

For more information about your rights under the FCRA, visit consumer.ftc.gov.

6. Data Security

We implement reasonable physical, technical, and administrative safeguards to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure server infrastructure
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Opt-Out: Opt out of certain marketing communications
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information provided in the Contact section below.

8. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Financial Information Privacy Act. These rights include:

• The right to know what personal information we collect, use, disclose, and sell
• The right to delete personal information (subject to exceptions)
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your rights

California residents may request this information by contacting us at the address or phone number provided below.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage
• Provide personalized content
• Improve website functionality

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: