Privacy Policy

Personal Information

When you apply for a loan or use our services, we may collect:

• Name, address, phone number, and email address
• Social Security Number and date of birth
• Employment and income information
• Bank account and financial information
• Credit history and credit scores
• Property information and appraisals
• Tax returns and financial statements

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on site
• Referring website and search terms
• Cookie and tracking technology data

We use the information we collect to:

• Process loan applications: Evaluate your eligibility, verify information, and underwrite your loan
• Provide customer service: Respond to inquiries, provide updates, and assist with your loan
• Comply with legal requirements: Meet regulatory obligations, prevent fraud, and verify identity
• Improve our services: Analyze usage patterns, enhance website functionality, and develop new products
• Marketing communications: Send promotional materials about products and services (with your consent)
• AI-assisted analysis: Use technology to extract and analyze document data to expedite loan processing

We may share your information with:

Service Providers

Third parties who assist us in providing services, including credit bureaus, appraisers, title companies, and technology providers. These parties are contractually obligated to protect your information.

Lender Partners

When matching you with loan programs, we share your information with our network of lender partners to obtain loan offers and pricing. You will be notified before your information is shared with specific lenders.

Legal Requirements

We may disclose information when required by law, court order, or government regulation, or when necessary to protect our rights, property, or safety.

We implement industry-standard security measures to protect your personal information:

• Encryption: All data transmitted to and from our website is encrypted using SSL/TLS technology
• Access Controls: Employee access to personal information is restricted on a need-to-know basis
• Secure Storage: Data is stored in secure, access-controlled facilities with regular security audits
• Monitoring: We continuously monitor our systems for unauthorized access or security breaches
• Training: All employees receive regular training on data security and privacy practices

While we take reasonable measures to protect your information, no method of transmission or storage is 100% secure. If you have concerns about the security of your information, please contact us immediately.

We use cookies and similar tracking technologies to enhance your experience on our website.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how visitors interact with our website
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our website. Most browsers allow you to:

• View and delete existing cookies
• Block all or certain types of cookies
• Set preferences for specific websites

If you are a resident of the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR):

To exercise these rights, please contact our Data Protection Officer at [email protected].

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Your Rights

• Right to Know: Request disclosure of personal information collected, used, and shared
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale or sharing of personal information
• Right to Non-Discrimination: Not be discriminated against for exercising your rights
• Right to Limit: Limit the use of sensitive personal information

Categories of Personal Information

In the past 12 months, we have collected the following categories of personal information:

• Identifiers (name, address, email, SSN)
• Financial information (income, assets, credit history)
• Commercial information (loan applications, transaction history)
• Internet activity (browsing history, search queries)
• Professional information (employment, income sources)