Privacy Policy

1. Information We Collect

We collect a variety of personal information to help provide mortgage-related services, including but not limited to:

• When you apply for a mortgage, seek pre-qualification, or contact us, we may collect your name, contact details (email, phone number, address), Social Security number, income details, employment information, credit score, tax records, and other financial data necessary for processing mortgage applications.
• When you visit our website, we may automatically collect information about your device, IP address, browser type, and usage patterns, including pages visited, time spent on the site, and referral URLs.
• Any communication with us—whether via phone, email, or online messaging—may be recorded and stored for quality assurance, legal, or customer service purposes.
• We may use cookies, web beacons, and similar tracking technologies to improve your browsing experience, track user activity, and provide customized services.

2. How We Use Your Information

We use your personal information for the following purposes:

• To assess your eligibility, process loan applications, underwrite loans, and issue mortgage approvals or denials.
• To respond to your inquiries, provide loan status updates, and send important mortgage-related notifications.
• To comply with legal obligations, such as verifying your identity, preventing fraud, and meeting federal and state mortgage lending regulations.
• To provide you with relevant offers, updates, and services that may benefit you (with the option to opt-out).
• To analyze how users interact with our website, enhance its functionality, and optimize user experience.

3. Sharing and Disclosure of Information

Your privacy is important to us, and we do not sell your personal information to third parties. However, we may share your data in the following ways:

• We may share your information with trusted third-party service providers who assist us in processing loans, such as credit bureaus, appraisers, and title companies. These providers are bound by confidentiality agreements and may only use your information for authorized purposes.
• We may disclose your information if required by law, such as in response to court orders, subpoenas, or regulatory requests from government agencies.
• If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. In such cases, we will notify you before your personal data is transferred and becomes subject to a different privacy policy.

4. Data Security

We prioritize the security of your personal data and have implemented administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. These measures include encryption, firewalls, and secure access controls.

However, please be aware that no method of transmitting or storing data is 100% secure. While we strive to protect your personal data, we cannot guarantee its absolute security.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to personalize your browsing experience, track website traffic, and understand user behavior. Cookies allow us to remember your preferences, offer tailored content, and improve our website's functionality.

You can manage your cookie preferences through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

6. Your Privacy Rights

Depending on your location and applicable privacy laws, you may have the following rights regarding your personal data:

• Request a copy of the personal data we hold about you.
• Request that we correct inaccurate or incomplete personal data.
• Under certain circumstances, you may request that we delete your personal information.
• Request limitations on how we process your personal data under specific conditions.
• Receive your personal data in a machine-readable, commonly used format.
• You may object to the processing of your personal data for specific purposes, such as marketing communications.

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

7. Third-Party Links

Our website may contain links to third-party websites that are not operated or controlled by us. We are not responsible for the privacy practices or content of those sites. We recommend reviewing the privacy policies of third-party websites before sharing any personal information.

8. Children’s Privacy

Our services are not directed toward children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected data from a child, we will take steps to delete the information promptly. If you believe that we have collected information from a minor, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. Any updates will be posted on this page, and we encourage you to review it periodically to stay informed about how we protect your information.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us.