At CustomRate, we believe in a people-first approach to home financing. Trust is the foundation of our relationship, and protecting your personal information is a responsibility we take seriously.
This Privacy Policy explains how we collect, use, and protect your information when you visit our website, communicate with us, or explore your mortgage options.
1. Information We Collect
To help tell your story and find the right financing options, we may collect the following types of information:
- Personal Contact Information: Your name, email address, phone number, and physical address.
- Financial Information: Information necessary to review your mortgage options, such as income details, credit history, and employment status (collected only when you explicitly provide it to us securely).
- Digital Interaction Data: Information about how you interact with our website, such as IP addresses, browser types, and usage data, often collected via cookies.
2. How We Use Your Information
We use your information strictly to provide you with the best possible service and options. This includes:
- Evaluating and processing your mortgage requests.
- Communicating with you regarding your loan status, requested information, or questions.
- Sending administrative and service-related communications.
- Complying with legal and regulatory requirements.
3. SMS and Text Messaging Policy
We understand that texting is often the easiest way to stay in touch. If you opt-in to receive SMS or text messages from us, the following terms apply:
- Consent: By providing your phone number and opting in, you consent to receive informational and promotional text messages from us regarding your mortgage inquiries and loan status.
- Opt-Out: You can opt-out of receiving text messages at any time. Simply reply “STOP” to any of our messages.
- Help: If you need assistance at any time, reply “HELP” to any of our messages.
- Message and Data Rates: Standard message and data rates may apply depending on your mobile carrier plan.
- Strict Privacy for Mobile Information: We will not share, sell, or rent your mobile phone number or SMS consent data to any third parties or affiliates for their own marketing or promotional purposes. Mobile data is kept strictly confidential and used solely for communications between you and CustomRate.
4. How We Share Your Information
We do not sell your personal information. We only share your data with trusted third parties necessary to facilitate your mortgage, including:
- Service Providers: Credit bureaus, appraisers, title companies, and wholesale lenders required to process and fund your loan.
- Legal and Regulatory Authorities: When required by law, subpoena, or to protect our legal rights.
5. Data Security
We implement professional, industry-standard security measures and secure digital filing systems to protect your personal and financial data against unauthorized access, alteration, disclosure, or destruction.
6. Your Choices
You remain in control of your information. You have the right to:
- Opt-out of marketing communications and automated text messages at any time.
- Request a copy of the personal information we hold about you.
- Ask us to correct or update any inaccurate information.
7. Contact Us
If you have any questions about this Privacy Policy, your data, or how we handle communications, please reach out. We are here to help.