LENDINGPROF PRIVACY POLICY

This policy explains how Holly Luca, operating as LendingProf, collects, uses and shares information when you visit lendingprof.com, submit a form, schedule an appointment or contact us. Loan Factory, Inc. may collect information separately through its own website and services; its policy is at https://www.loanfactory.com/privacy.

INFORMATION WE COLLECT

Depending on your interaction, we may collect your name, contact details, homebuying timeline, questions, appointment details, communication preferences and consent records. Website tools may collect IP address, device and browser information, pages viewed and referring pages. We may also receive information from referral partners, public records and service providers where permitted. Please do not submit Social Security numbers, bank details or tax returns through a general inquiry form. We will direct you to an appropriate secure process if documents are needed.

HOW WE USE INFORMATION

We use information to answer inquiries, arrange appointments, provide mortgage education and requested resources, support financing inquiries, maintain contact records, manage follow-up, improve the website, protect our systems and comply with applicable obligations. Submitting an inquiry is not a mortgage application, credit decision or commitment to lend.

SHARING AND SALE

LendingProf does not sell your personal information or share it with other businesses for their own marketing or promotional purposes. We may disclose information to service providers that operate our CRM, website, calendar, email, messaging and analytics; to Loan Factory, lenders or other parties as needed for your request or transaction; to a referral partner when authorized or otherwise permitted; or when required by law. A business transfer may also involve information subject to applicable law. Text-message opt-in information and consent are not shared with third parties or affiliates for their own marketing or promotional purposes. Messaging providers may process information needed to deliver messages and administer consent and opt-outs.

EMAIL AND TEXT MESSAGES

We may email you about your inquiry or appointment and send marketing where permitted. Use the unsubscribe link or contact us to opt out of marketing emails. You may choose separately whether to receive inquiry-related and marketing texts. Text consent is optional and is not a condition of obtaining services. Message frequency varies; message and data rates may apply. Reply STOP to opt out or HELP for help. Text and email opt-outs are handled separately.

COOKIES AND ANALYTICS

LendingProf uses or may use Google Analytics and similar tools to understand page use and improve the site. These tools may collect pages viewed, approximate location, device and browser information and referral source, and may use cookies or similar technology. You can manage cookies through your browser and any choices presented on the site. We will provide applicable choices where required.

RETENTION AND SECURITY

We retain information as reasonably necessary to respond to inquiries, maintain records, resolve disputes and meet legal or regulatory requirements. Retention varies by record type. We use administrative, technical and physical safeguards intended to protect information, but no transmission or storage method is completely secure.

PRIVACY CHOICES AND RIGHTS

Depending on your state and the information involved, you may have rights to request access, correction, deletion or other choices, subject to applicable exceptions. Contact us below to submit a request. We may need to verify your identity and any authorized agent’s authority. Unsubscribe from marketing emails using their link, and reply STOP to opt out of texts.

THIRD PARTIES AND CHILDREN

Third-party websites and services have their own privacy policies. Our services are intended for adults and are not directed to children under 13. If you believe a child under 13 has provided information, contact us.

UPDATES AND CONTACT

We may update this policy as practices change and will update its publication date. Contact Holly Luca, LendingProf, at [email protected] or 515-664-7984.

Holly Luca, Mortgage Strategist, NMLS #586712. Loan Factory, Inc., NMLS #320841. Licensed in Texas, Iowa, Florida and California. Equal Housing Lender.