Privacy Policy
Effective Date: May 6th, 2024
Introduction
At Prestige Home Mortgage (“we,” “us,” or “our”), we prioritize the privacy and security of our clients’ personal information. This Privacy Policy outlines our practices regarding the collection, use, and protection of personal information from our website visitors and customers.
Data Collection
We collect the following types of personal information to facilitate our mortgage services:
- Names: To personalize our interactions with you.
- Email Addresses: For communication regarding your loan applications, mortgage services, and updates.
- Phone Numbers: To contact you with important updates or inquiries related to your mortgage services.
- Financial Information: Including income details and credit history, necessary to process your loan applications and provide accurate mortgage services.
- Payment Information: Collected when necessary to process payments for our services.
Use of Personal Information
We use your personal information solely for the following purposes:
- To Process Loan Applications: Your information is essential for processing mortgage loan applications, assessing eligibility, and determining loan terms.
- To Provide Mortgage Services: We use your data to deliver high-quality mortgage services, including loan approvals, refinancing, and customer support.
- To Send Marketing Communications: With your consent, we may send you marketing communications related to our mortgage services and offers.
- To Comply with Legal and Regulatory Requirements: We use your personal information to ensure adherence to anti-money laundering laws, perform required credit checks, and fulfill our obligations under the Fair Housing Act and the Equal Credit Opportunity Act, which mandate fair treatment and non-discrimination in lending practices.
Sharing of Personal Information
We may process or share your data that we hold based on the following legal basis:
- Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
- Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
- Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
- Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.
- Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or illegal activities.
Your Rights
We respect your rights regarding personal information. You have the following rights:
- Access: You can request access to the personal information we hold about you.
- Deletion: You may request the deletion of your personal information.
- Opt-Out: You have the option to opt out of data collection or marketing communications. You can manage your communication preferences by contacting us at the email address provided below.
To exercise your rights or to learn more about our privacy practices, please contact us at info@prestigehomemortgage.com.
Security Measures
We are committed to safeguarding your personal information. We implement robust security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our security practices are regularly reviewed and updated to meet industry standards.
Cookies and Tracking
Our website uses cookies and tracking technologies to enhance use experience and ensure our website functions efficiently. These technologies may collect information like your IP address, browser type, and browsing behavior. You can manage cookie preferences through your web browser settings.
Legal Compliance
Prestige Home Mortgage is committed to Equal Housing Opportunity and complies with all applicable federal, state, and local laws and regulations governing mortgage lending and equal housing opportunity.
Express Consent for Communication
By providing your phone number and email address to Prestige Home Mortgage, you are providing express written consent to receive communications from us related to your mortgage services. This may include subcontractors or service providers, such as lenders or credit reporting agencies, only when necessary to provide our loan processing and mortgage services. This contact may include:
- Auto-dialed calls
- Prerecorded or artificial voice calls
- Text messages (SMS and MMS)
- Emails
This consent holds even if your telephone number is a cellular number or on a corporate, state, or the National Do Not Call Registry (DNC) or other do not contact lists. You may opt out of these communications at any time by emailing us at the following address: info@prestigehomemortgage.com. Your consent is not required as a condition of any purchase.
Message and Data Rates
Please note that message and data rates may apply to text messages (SMS and MMS). You also consent to our SMS terms, Privacy Policy, and Terms of Use when engaging in these forms of communication.
Recording of Communications
By communicating with us via phone or email, you give your full consent for any and all calls, text messages, and emails to be recorded for quality and training purposes.
Contact Information
If you have any questions, concerns, or inquiries about this privacy policy or our data practices, please do not hesitate to contact us:
- Contact Person: John Lucas
- Email: info@prestigehomemortgage.com
- Phone: (800) 960-7107