Information We Collect

Information You Provide

We collect information you voluntarily provide when you:

• Complete a loan application or pre-qualification form
• Contact us via phone, email, or contact forms
• Subscribe to our newsletter or updates
• Request a consultation or callback

This information may include:

• Personal identifiers: Name, email address, phone number, mailing address
• Financial information: Income, employment information, assets, debts, credit history
• Property information: Property address, purchase price, property type
• Government identifiers: Social Security number (for loan applications only)

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on site
• Referring website or source
• Location data (general geographic area)

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic and usage patterns
• Deliver relevant advertising
• Improve our website and services

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Communicate with you about your inquiry or application
• Provide customer service and support
• Send marketing communications (with your consent)
• Comply with legal and regulatory requirements
• Prevent fraud and protect our business
• Improve our website and services
• Analyze trends and website performance

How We Share Your Information

We may share your information with:

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• SSL/TLS encryption for data transmission
• Secure storage systems with access controls
• Regular security assessments and updates
• Employee training on data protection

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Your Rights and Choices

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Opt-out: Unsubscribe from marketing communications at any time
• Do Not Track: We honor Do Not Track browser signals

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected and how it’s used
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell your data)
• Right to non-discrimination for exercising privacy rights

Data Retention

We retain your information for as long as necessary to:

• Provide our services
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements

Loan-related records are retained in accordance with federal and state regulations, typically for a minimum of 3-7 years after the loan is closed or the application is withdrawn.

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 directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy periodically.

Contact Us

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

For complaints or concerns about our privacy practices, you may also contact:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
• NMLS Consumer Access: nmlsconsumeraccess.org