Privacy Policy

Information We Collect

Personal Information

When you apply for a home equity loan or HELOC, we collect:

• Contact Information: Name, address, phone number, email address
• Financial Information: Income, employment details, assets, debts
• Property Information: Property address, estimated value, mortgage details
• Identification: Social Security number, driver's license, date of birth
• Credit Information: Credit history and score from credit reporting agencies

Automatically Collected Information

When you visit our website, we may collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on site
• Cookies and similar tracking technologies
• Referral source and search terms

How We Use Your Information

Primary Uses

• Loan Processing: Evaluate your application and creditworthiness
• Verification: Verify income, employment, and property information
• Communication: Contact you about your application and loan
• Legal Compliance: Meet regulatory and legal requirements
• Risk Management: Assess and manage lending risks

Secondary Uses

• Improve our services and website functionality
• Provide customer support and respond to inquiries
• Send relevant financial information and updates
• Conduct research and analytics for business purposes

Information Sharing

We may share your information with:

Service Providers

• Credit Reporting Agencies: To obtain credit reports and scores
• Appraisal Companies: For property valuation services
• Title Companies: For title searches and insurance
• Technology Providers: For secure data processing and storage
• Legal and Professional Services: For compliance and advisory services

Required Disclosures

• Government agencies as required by law
• Regulatory authorities for examination purposes
• Law enforcement when legally required
• Court orders and legal proceedings

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to the same privacy protections.

Data Security

We implement comprehensive security measures to protect your information:

Technical Safeguards

• 256-bit SSL encryption for data transmission
• Secure servers with firewall protection
• Regular security audits and updates
• Multi-factor authentication for access controls
• Data backup and disaster recovery systems

Administrative Safeguards

• Employee background checks and training
• Strict access controls and authorization procedures
• Regular security awareness training
• Incident response and breach notification procedures

Your Rights and Choices

Access and Correction

You have the right to:

• Request access to your personal information
• Correct inaccurate or incomplete information
• Request deletion of certain information
• Opt out of marketing communications

Cookie Controls

You can control cookies through your browser settings:

• Block all cookies (may affect site functionality)
• Delete existing cookies
• Set preferences for future cookies
• Receive notifications when cookies are set

State-Specific Rights

California Residents (CCPA)

California residents have additional rights including:

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

Other State Laws

We comply with applicable state privacy laws including those in Virginia, Colorado, Connecticut, and other states with comprehensive privacy legislation.

Data Retention

We retain your information for different periods based on:

• Active Loans: Throughout the life of the loan
• Applications: As required by federal and state regulations
• Marketing Data: Until you opt out or as legally required
• Website Analytics: Aggregated data may be retained indefinitely

Children's Privacy

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

International Users

Our services are primarily for U.S. residents. If you are accessing our services from outside the United States, please be aware that your information may be transferred to and processed in the United States where our servers are located.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will:

• Post the updated policy on our website
• Update the "Last Modified" date
• Notify you of material changes via email or website notice
• Allow time for review before changes take effect

Contact Information

For questions about this Privacy Policy or to exercise your rights, contact us: