Privacy Policy

Effective Date: 12/01/2023

True Rate Mortgage LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with applicable federal and state laws.

1. Information We Collect

We may collect the following types of information:

A. Personal Information

• Name, address, email address, and phone number
• Date of birth
• Social Security number or Tax Identification number
• Government-issued Identification

B. Financial Information

• Credit history and credit scores
• Employment and income information
• Bank statements and asset documentation
• Loan application details

C. Technical & Usage Information

• IP address
• Browser type and device information
• Website usage data and cookies

2. How We Use Your Information

We use your information to:

• Process mortgage inquiries and loan applications
• Verify identity, income, assets, and creditworthiness
• Communicate with you regarding your application or services
• Comply with federal and state legal requirements
• Improve our services, website, and customer experience
• Send marketing communications (with your consent where required)

3. Information Sharing & Disclosure

We may share your information with:

• Third-party lenders and investors
• Credit reporting agencies
• Title companies, appraisers, and escrow agents
• Regulatory agencies as required by law
• Service providers who assist with operations (CRM, LOS, compliance, marketing platforms)

We do not sell your personal information.

4. Text Messaging, Email & Telephone Communications

• Phone calls
• Emails
• Text messages (SMS)

By providing your contact information, you consent to receive communications from True Rate Mortgage LLC via:

Message frequency may vary. Standard message and data rates may apply. You may opt out at any time by replying STOP to SMS messages or by contacting us directly.

True Rate Mortgage LLC complies with TCPA, CTIA, CAN-SPAM, and FCC regulations.

5. Data Security

We maintain physical, electronic, and procedural safeguards designed to protect your information, including:

• Secure loan application portals
• Encryption and access controls
• Limited employee access on a need-to-know basis

Despite these safeguards, no system is completely secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request limitations on certain data sharing
• Withdraw consent for marketing communications

Requests must be submitted in writing and may require identity verification.

7. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to:

• Enhance user experience
• Analyze site traffic
• Improve functionality

You may disable cookies through your browser settings; however, some features may not function properly.

8. Third-Party Websites

Our website or communications may contain links to third-party websites. True Rate Mortgage LLC is not responsible for the privacy practices or content of those sites.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Retention of Information

We retain personal information for as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal, regulatory, and record-keeping requirements

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Updates will be posted with a revised effective date.

12. Contact Information

For questions, concerns, or privacy-related requests, please contact:

Privacy & Compliance Department
True Rate Mortgage LLC
Email: info@trueratefl.com
Phone: (305)697-3771