Your information deserves clarity.

Scope and key points

This policy applies to information collected through this Lending Buddy website, our website inquiry forms, and related communications. It also describes how information may be used in connection with mortgage services you request from us. Our secure application portal and other third-party services may provide additional privacy notices and terms.

Information we collect

Information you provide

Depending on how you interact with us, we may collect:

• Name, email address, telephone number, state, and contact preferences.
• Mortgage or loan interest, estimated loan amount or property value, and the content of your inquiry.
• Communications you send to us by form, email, telephone, text message, or other approved channel.
• Information submitted through the secure mortgage application portal, which may include financial, employment, credit, asset, property, identity, and other information necessary to evaluate or process a requested financial service.

Information collected automatically

When you visit this website, we and our service providers may automatically receive technical information such as IP address or an obscured or hashed derivative, browser and device characteristics, operating system, referring URL, pages viewed, dates and times, approximate location derived from IP address, and security or diagnostic events. We do not use the website inquiry form to request precise geolocation or biometric information.

You are responsible for ensuring that information you provide is accurate and that you have authority to provide information relating to another person.

Sources of information

We may obtain information directly from you; automatically through your use of this website; from service providers supporting hosting, communications, analytics, security, mortgage operations, and the secure application portal; and from lenders, investors, credit reporting agencies, public records, settlement providers, referral partners, or other transaction participants where permitted by law and relevant to a service you request.

How we use information

We may process information for the following purposes:

• Responding to inquiries and providing requested information or services.
• Evaluating, originating, arranging, processing, underwriting, closing, selling, or servicing mortgage-related transactions, as applicable.
• Communicating about appointments, application milestones, documents, service updates, and customer support.
• Sending marketing or promotional communications where permitted and consistent with your choices.
• Operating, securing, troubleshooting, measuring, and improving the website and our services.
• Preventing fraud, abuse, duplicate submissions, security incidents, and unauthorized activity.
• Complying with legal, regulatory, licensing, audit, recordkeeping, and enforcement obligations.
• Establishing, exercising, or defending legal rights and resolving disputes.

When and with whom we share information

We may disclose information when reasonably necessary for the purposes described in this policy, including to:

• Hosting, database, analytics, communications, security, document-management, and customer-relationship service providers working on our behalf.
• Lenders, investors, mortgage insurers, appraisers, title or settlement providers, attorneys, insurance providers, credit reporting agencies, verification providers, government agencies, and other parties involved in a requested transaction.
• Professional advisers, auditors, regulators, law enforcement, courts, or other parties when required or permitted by law.
• A buyer, successor, affiliate, or other relevant party in connection with a proposed or completed merger, financing, reorganization, sale, or transfer of all or part of our business or assets.
• Other parties at your direction, with your consent, or as otherwise disclosed when information is collected.

We expect service providers acting on our behalf to use information only for authorized purposes and to apply appropriate safeguards. We do not sell personal information for money.

SMS and mobile information

If you check the SMS consent box, Lending Buddy LLC may send messages to the telephone number you provide for important notifications about our services, updates on upcoming meetings, and replies from your representative. Message frequency may vary. Message and data rates may apply. Reply STOP to cancel or HELP for assistance.

Stopping text messages does not prevent us from responding through another channel, sending non-marketing communications where permitted, or retaining consent and opt-out records as required for compliance.

Retention and security

We retain information for as long as reasonably necessary to provide services, maintain business and transaction records, respond to disputes, enforce agreements, prevent fraud, and satisfy legal, regulatory, licensing, audit, and recordkeeping requirements. Retention periods may vary based on the information, relationship, transaction, and applicable law. When information is no longer required, we may delete, anonymize, or securely isolate it.

We use administrative, technical, and physical safeguards designed to protect information. No internet transmission, electronic storage system, or security measure can be guaranteed completely secure. Use the secure application portal—not ordinary email or the quick contact form—for sensitive financial documents.

Cookies, analytics and browser signals

This website and its service providers may use cookies, logs, pixels, or similar technologies for essential operation, security, preferences, performance measurement, and analytics. Browser controls may allow you to delete or limit cookies, although doing so can affect site functionality. Because there is not one universally accepted standard for Do Not Track signals, we do not currently respond to all such browser signals. We will update this policy if our practices materially change.

Your privacy rights

Depending on your relationship with us, where you live, and applicable law, you may have the right to:

• Confirm whether we process your information and request access to it.
• Correct inaccurate information.
• Request deletion of certain information.
• Obtain a portable copy of certain information.
• Opt out of certain targeted advertising, sales, sharing, or qualifying profiling.
• Limit certain uses or disclosures of sensitive personal information.
• Withdraw consent where processing is based on consent.
• Appeal a decision regarding a privacy request and exercise rights without unlawful discrimination.

These rights are not absolute. Legal exemptions, verification requirements, transaction recordkeeping obligations, and other limitations may apply. We may request information needed to verify your identity and authority. An authorized agent may submit a request where permitted, subject to verification.

To make a request, email CustomerCare@lendingbuddy.net or call (888) 505-8979. To opt out of SMS messages, reply STOP.

U.S. state privacy disclosures

Residents of states with comprehensive consumer privacy laws—including California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia—may have additional rights, subject to eligibility, exemptions, and effective dates under applicable law.

California residents

California residents may have rights to know categories and specific pieces of personal information collected, sources, purposes, and categories of recipients; request correction or deletion; obtain information about qualifying sales or sharing; limit certain uses of sensitive personal information; and receive equal service when exercising a right. We do not knowingly sell personal information for money. Any request is subject to verification and applicable exceptions.

Appeals

If applicable law provides an appeal right and we decline to act on a request, you may appeal by emailing CustomerCare@lendingbuddy.net with “Privacy Appeal” in the subject line.

Financial privacy notices

This website Privacy Policy is not a substitute for a notice required in connection with a financial product or service. Nonpublic personal information collected in connection with a mortgage inquiry or application may be subject to additional federal and state financial-privacy laws and separate notices delivered during the application or transaction process. If a financial privacy notice conflicts with this website policy for information covered by that notice, the financial privacy notice governs to the extent required by law.

Children and external services

This website and our mortgage services are not directed to children under 18, and we do not knowingly collect personal information from children through the website. If you believe a child has provided information, contact us so we can evaluate and address the request. Links to the secure application portal, NMLS Consumer Access, mapping services, and other third-party websites are governed by their own privacy practices and terms.

Changes and contact

We may revise this policy as our services, technology, vendors, or legal obligations change. The “Last updated” date identifies the current version. Material changes may be communicated through the website or another appropriate method.