Privacy Policy

Privacy Policy (America's Family Finance, LLC)

Effective Date: 04/20/2020
Website: americasfamilyfinance.com
Company: America's Family Finance, LLC (“we,” “us,” “our”)

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website and when you request information about mortgage products or begin a mortgage loan process (purchase or refinance).

1) Information We Collect

We may collect the following categories of information:

A. Information you provide to us

• Contact information: name, email address, phone number, mailing address.

• Inquiry details: information you submit in forms or messages (e.g., loan goals, property details, estimated credit range, timeline).

• Application-related information (if/when you apply): information typically required for a mortgage application and underwriting, which may include Social Security number, date of birth, employment and income information, assets, liabilities, credit information, property information, and other documentation you provide.

B. Information collected automatically

• Device and usage data: IP address, browser type, device identifiers, pages viewed, referring/exit pages, and approximate location derived from IP address.

• Cookies and similar technologies: used for site functionality, analytics, and to improve performance.

2) How We Use Your Information

We use information we collect to:

• Respond to your requests and contact you about mortgage products and services.

• Provide, operate, and improve our website and services.

• Begin and manage the mortgage process if you choose to apply (including verifying information and evaluating eligibility).

• Communicate with you (including by email, phone, and text, where permitted by law and your preferences).

• Detect, prevent, and investigate fraud, security incidents, and misuse.

• Comply with legal obligations and enforce our agreements.

3) How We Share Your Information

We do not sell your personal information. We may share information in the following situations:

• Service providers: vendors that help us operate our website, communicate with you, perform analytics, manage customer relationship tools, or support the loan process. They are permitted to use information only to provide services to us.

• Mortgage-related parties (if you apply or proceed): as needed to process a mortgage request (for example, credit reporting agencies, verification services, appraisal/settlement service providers, investors, or other parties involved in originating, processing, underwriting, closing, or servicing a loan), as applicable.

• Legal and compliance: to comply with law, regulation, subpoena, court order, or lawful requests; or to protect rights, safety, and security.

• Business transfers: in connection with a merger, acquisition, financing, or sale of all or part of our business.

4) Cookies and Analytics

We may use cookies and analytics tools to understand how visitors use our site and to improve it. You can control cookies through your browser settings. If you disable cookies, some site features may not function properly.

5) Communications (Email, Phone, Text)

If you submit your contact information, we may contact you to respond to your inquiry and discuss mortgage options. You can opt out of marketing emails by using the unsubscribe link in the email. To opt out of marketing calls/texts, follow the instructions provided in the message or contact us using the information below. (You may still receive non-marketing messages related to your request or an ongoing process.)

6) Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

7) Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including to comply with legal, regulatory, accounting, and reporting requirements, and to resolve disputes and enforce agreements.

8) Your Privacy Rights

Depending on where you live, you may have rights to request access to, correction of, or deletion of certain personal information, and to opt out of certain processing. To make a request, contact us using the details below. We may need to verify your identity before fulfilling requests.

9) Children’s Privacy

Our website is not intended for children under 18 (and not directed to minors generally). We do not knowingly collect personal information from children.

10) Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices of those third parties.

11) Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” above indicates when it was last revised. Your continued use of the website after changes means you accept the updated policy.

12) Contact Us

If you have questions or requests about this Privacy Policy, contact:

America's Family Finance, LLC
Email: Rfundora@americasfamilyfinance.com
Phone: 305-300-7354