1. Information We Collect

We collect information you provide directly to us, such as when you:

• Apply for a mortgage or other loan products
• Create an account or profile
• Contact us for customer service
• Subscribe to our newsletters or marketing communications
• Use our AI assistant or chat features

Types of Information

• Personal Information: Name, address, phone number, email address
• Financial Information: Income, employment history, credit information, bank account details
• Technical Information: IP address, browser type, device information
• Usage Information: How you interact with our website and services

2. How We Use Your Information

We use the information we collect to:

• Process your mortgage application and provide loan services
• Verify your identity and creditworthiness
• Communicate with you about your application and our services
• Improve our website and services
• Comply with legal and regulatory requirements
• Send you marketing communications (with your consent)
• Provide customer support and respond to inquiries

3. Information Sharing

We may share your information with:

• Service Providers: Third parties who help us provide our services
• Lenders and Investors: To process your loan application
• Credit Agencies: For credit reporting and verification
• Government Agencies: As required by law or regulation
• Legal Processes: In response to subpoenas or court orders

We do not sell your personal information to third parties.

4. Data Security

We implement appropriate security measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases
• Regular security audits and assessments
• Employee training on data protection
• Access controls and authentication systems

5. Your Rights

You have the right to:

• Access the personal information we have about you
• Correct inaccurate or incomplete information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications
• Restrict how we use your information
• Data portability (receive your data in a structured format)

6. Cookies and Tracking

We use cookies and similar technologies to:

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

You can control cookies through your browser settings.

7. 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.

8. Children's Privacy

Our services are not directed to children under 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it.

9. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date.

10. Contact Us

If you have questions about this privacy policy or our data practices, please contact us:

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your privacy rights