Privacy Policy
We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our mortgage services.
Information We Collect
We collect information that you provide directly to us, including:
- Personal Information: Name, email address, phone number, and mailing address
- Financial Information: Income, employment details, credit information, and other data necessary for mortgage pre-qualification and application processing
- Property Information: Details about properties you're interested in purchasing or refinancing
- Communication Records: Records of your interactions with us, including emails, phone calls, and form submissions
How We Use Your Information
We use the information we collect to:
- Process your mortgage pre-qualification and application requests
- Communicate with you about our services and respond to your inquiries
- Provide personalized mortgage rate quotes and recommendations
- Comply with legal and regulatory requirements
- Improve our services and website functionality
- Send you important updates about your mortgage application or account
Information Sharing and Disclosure
We may share your information with:
- Lenders and Financial Institutions: To process your mortgage application and obtain quotes
- Service Providers: Third-party vendors who assist us in providing our services (e.g., credit bureaus, title companies, appraisers)
- Legal Authorities: When required by law or to protect our rights and safety
- Business Transfers: In connection with a merger, acquisition, or sale of assets
We do not sell your personal information to third parties for marketing purposes.
Data Security
We implement industry-standard security measures to protect your information, including:
- Encryption of sensitive data during transmission
- Secure storage systems with restricted access
- Regular security assessments and updates
- Employee training on data protection practices
However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
Your Rights and Choices
You have the right to:
- Access the personal information we hold about you
- Request corrections to inaccurate or incomplete information
- Request deletion of your information (subject to legal retention requirements)
- Opt out of marketing communications
- Withdraw consent for data processing where applicable
To exercise these rights, please contact us using the information provided below.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and user behavior
- Improve our website functionality and user experience
You can control cookies through your browser settings, though disabling cookies may limit some website features.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
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 updated policy on our website and updating the "Last Updated" date.
Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
- By Email: Contact us through our website's contact form
- By Phone: Call the number provided on our website
- By Mail: Send correspondence to the address listed on our website
Compliance
We comply with applicable federal and state privacy laws, including:
- Gramm-Leach-Bliley Act (GLBA)
- Fair Credit Reporting Act (FCRA)
- Equal Credit Opportunity Act (ECOA)
- State-specific privacy regulations
Your California Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale of personal information (though we do not sell personal information).
This Privacy Policy is provided for informational purposes and should be customized to reflect your specific business practices and legal requirements. Consult with legal counsel to ensure compliance with all applicable laws.