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Privacy Policy
National Choice Mortgage Inc. (“National Choice Mortgage,” “we,” “us,” or “our”) respects your privacy and is committed to protecting personal information. This Privacy Policy summarizes how we collect, use, disclose, retain, and safeguard information when you apply for, obtain, or inquire about our mortgage-related products and services, use our website, or communicate with us, including by telephone, email, or text message.
Information we collect
We may collect personal information that you provide to us, including your name, postal and email addresses, telephone number, Social Security number, employment and income information, assets, liabilities, credit history, loan preferences, and other financial or identifying information included in applications, forms, documents, calls, meetings, or online submissions.
We may also collect information about your transactions and relationship with us, such as account activity, payment history, balances, loan status, and records of communications.
We may obtain information from consumer reporting agencies, including credit reports, credit scores, and information bearing on creditworthiness, and from employers, financial institutions, service providers, public records, and other third parties used to verify information or process a transaction.
How we use information
We may use personal information to evaluate inquiries and applications; verify identity, employment, income, assets, and other information; obtain credit reports; originate, process, underwrite, close, fund, service, or otherwise administer mortgage transactions; communicate with you; provide customer support; prevent fraud and protect security; maintain records; improve our website and services; comply with legal, regulatory, contractual, audit, and reporting obligations; and exercise or defend legal rights.
How we disclose information
We may disclose personal information to affiliates and nonaffiliated third parties as permitted or required by law, including lenders, investors, loan servicers, settlement service providers, appraisers, credit reporting agencies, verification providers, technology and communications vendors, professional advisers, regulators, law enforcement, and parties involved in a corporate transaction. Service providers are expected to use information only for authorized purposes and to protect it appropriately.
We do not disclose nonpublic personal information to nonaffiliated third parties except as permitted by applicable law or as described in a separate financial privacy notice. We do not sell mobile information or share mobile opt-in data or consent with third parties or affiliates for their marketing or promotional purposes.
Data security and retention
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, or disclosure. Access is limited to personnel and service providers with a legitimate business need. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, service an account, comply with legal and regulatory requirements, resolve disputes, enforce agreements, and maintain appropriate business records.
Website and third-party services
Our website may collect technical information such as IP address, browser type, device identifiers, pages viewed, and interaction data through cookies or similar technologies. Third-party websites linked from our site operate under their own privacy practices, and we are not responsible for their content or policies.
Privacy rights and choices
Depending on your relationship with us and applicable law, you may have rights concerning your personal information, including rights to request access, correction, or deletion, or to limit or opt out of certain uses or disclosures. These rights may be subject to exceptions, identity verification, and record-retention obligations. This Policy does not replace any notice of financial privacy rights or opt-out rights that we are required to provide under applicable financial privacy laws.
SMS terms and consent
By providing your mobile number and affirmatively opting in, you authorize National Choice Mortgage to send text messages to that number regarding your inquiry, application, appointments, account or transaction updates, customer support, and, where separately authorized, promotions or offers. Message frequency varies. Message and data rates may apply. Consent to marketing texts is not a condition of purchasing any property, goods, or services.
You may revoke consent at any time by replying STOP to a message or by contacting us. For assistance, reply HELP or contact us using the information below. We may send one confirmation message after an opt-out request. Opt-out requests will be honored as required by applicable law.
Mobile numbers, SMS opt-in records, and consent data will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. We may disclose this information to vendors that support message delivery and compliance solely to provide services on our behalf or as required by law. Carriers are not liable for delayed or undelivered messages.
Children’s privacy
Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through our website. If you believe a child has provided information to us, please contact us.
Changes to this policy
We may update this Policy from time to time. The revised Policy will be posted to this page. Material changes will be communicated as required by applicable law.
Contact us
If you have questions, wish to exercise a privacy right, need to correct information, or believe we have not followed this Policy, contact National Choice Mortgage Inc. at 888-338-9188 or info@nationalchoicemortgage.com.