Privacy Policy

1. Information We Collect

We may collect the following types of personal information:

Personal Identifiers

• Name, email address, and phone number
• Postal address and property addresses
• Social Security Number (for loan applications)
• Date of birth and government-issued identification numbers

Financial Information

• Income and employment information
• Bank account and asset information
• Credit history and credit scores
• Tax returns and financial statements

Property Information

• Property addresses and descriptions
• Property values and appraisals
• Title and ownership information
• Project plans and renovation details

2. How We Collect Information

We collect information through various methods:

• Direct Collection: Information you provide when filling out forms, applying for loans, or communicating with us
• Automated Collection: Information collected through cookies, web beacons, and similar technologies when you browse our website
• Third Parties: Information from credit bureaus, title companies, appraisers, and other service providers
• Public Sources: Information from public records and government databases

3. How We Use Your Information

We use your personal information for the following purposes:

• Processing and evaluating loan applications
• Underwriting and funding loans
• Servicing existing loans and managing accounts
• Communicating with you about your applications and loans
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our website and services
• Marketing our services (with your consent where required)

4. How We Share Your Information

We may share your personal information with:

• Service Providers: Third parties who perform services on our behalf, such as loan servicing, title searches, appraisals, and credit checks
• Financial Institutions: Banks and other lenders involved in your loan transaction
• Legal and Regulatory: Government agencies, courts, and law enforcement as required by law
• Business Transfers: In connection with any merger, sale, or transfer of our business assets

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

5. Your Choices

You have the following choices regarding your personal information:

• Opt-Out of Marketing: You can unsubscribe from marketing emails at any time
• Cookie Preferences: Most web browsers allow you to control cookies through settings
• Access and Correction: You may request access to or correction of your personal information

6. Security

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

• Encryption of sensitive data during transmission
• Secure data centers with restricted access
• Regular security assessments and monitoring
• Employee training on data protection practices
• Incident response procedures

While we strive to protect your information, no security system is impenetrable. We cannot guarantee the absolute security of your data.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Accessing your personal information
• Correcting inaccurate or incomplete information
• Requesting deletion of your personal information
• Opting out of marketing communications
• Restricting or objecting to certain processing activities
• Requesting data portability

To exercise these rights, please contact us using the information provided below.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: