At Able Financial Corp (“we,” “us,” or “our”), we value and respect the privacy of our clients and are committed to protecting their personal and financial information. This Privacy Policy explains how we collect, use, store, and safeguard your personal data in connection with the mortgage services we provide. By using our website or services, you consent to the collection and use of your information as described in this Privacy Policy.
1. Information We Collect
We collect the following types of personal and financial information when you apply for a mortgage or use our services:
• Personal Information: Name, address, phone number, email address, date of birth, Social Security number, and other identifying information.
• Financial Information: Income, employment history, credit score, assets, liabilities, tax returns, and other financial information required for loan application and processing.
• Transaction Information: Details about the loans you apply for, the loan terms, and the status of your application.
• Technical Information: Data collected from your use of our website, including IP address, device information, and browsing behavior, using cookies or similar tracking technologies.
2. How We Use Your Information
We use the personal and financial information we collect to:
• Process and evaluate your mortgage application, including creditworthiness, income, and assets.
• Communicate with you about the status of your mortgage application and to respond to inquiries.
• Provide customer service and support related to your mortgage.
• Comply with legal and regulatory requirements, including identity verification and anti-money laundering laws.
• Improve and personalize our services, including marketing and promotions, tailored to your needs and interests.
• Process payments, including loan servicing and billing.
3. Sharing Your Information
We do not sell, rent, or share your personal information with third parties for marketing purposes. However, we may share your information in the following circumstances:
• With third-party service providers: We may share your information with trusted service providers (e.g., credit bureaus, appraisers, title companies, insurance providers) that assist us in providing mortgage services and processing your loan application.
• For legal or regulatory purposes: We may disclose your information if required by law, regulation, or court order, or to protect our rights or the safety of others.
• In the event of a business transfer: If we undergo a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.
4. Data Security
We take reasonable measures to protect your personal and financial information from unauthorized access, alteration, or disclosure. These measures include encryption, secure servers, and access control protocols. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
5. Retention of Your Information
We retain your personal and financial information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. Once your information is no longer needed, we take steps to securely dispose of it.
6. Your Rights and Choices
You have the right to:
• Access and Update Your Information: You may request access to your personal information, and update or correct any inaccuracies.
• Request Deletion: You may request that we delete your personal information, subject to legal and regulatory requirements.
• Opt-Out of Marketing Communications: You can opt out of receiving promotional emails or other marketing communications from us by following the unsubscribe instructions in the communication.
To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.
7. Cookies and Tracking Technologies
We use cookies and other tracking technologies to enhance your experience on our website, analyze site traffic, and improve our services. You can adjust your browser settings to disable cookies, but this may limit your ability to use certain features of our website.
8. Third-Party Links
Our website may contain links to third-party websites, such as those of our partners or affiliates. These third-party sites have their own privacy policies, and we are not responsible for their practices. We encourage you to review their privacy policies before providing any personal information.
9. Children's Privacy
Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child under the age of 18, we will take steps to delete it.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we will update the effective date at the top of this page. We encourage you to periodically review this Privacy Policy to stay informed about how we protect your information.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Phone: 714.462.6149
Email: Info@AbleFinancialCorp.com
Address: 12387 Lewis St., Ste 201. Garden Grove, CA 92840