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Privacy Policy

Last Updated: June 10, 2025

1. Introduction

Welcome to Carrollton Mortgage. We are committed to protecting your privacy and maintaining the confidentiality and security of your personal information. This Privacy Policy describes how we collect, use, and share your personal information when you visit our website or engage with us to obtain mortgage or other financial services.

As a financial services provider, we comply with the Gramm-Leach-Bliley Act (GLBA) and other applicable U.S. federal and state privacy laws, including the California Consumer Privacy Act (CCPA) and related regulations.

By using our website, submitting information to us, or engaging our services, you acknowledge that you have read and understand this Privacy Policy.

How We Use Your Information

Your personal information is used to:

Contact Information: Name, email address, phone number, mailing address.
Financial Information: Income, employment details, credit history, Social Security number (when required), and other data needed to process mortgage or loan applications.
Transaction Information: Records of your inquiries, communications, and transactions with us.

Non-Personal Information

We may also collect non-personal information, including:

Device and Usage Information: IP address, browser type, operating system, pages visited, and time spent on our website.
Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your experience, analyze traffic, and personalize content (see Section 7).

3. How We Use Your Information

We use the information we collect for the following purposes:

Providing Services: Processing mortgage applications, verifying identity, and delivering requested products or services.
Communication: Responding to inquiries, providing customer service, and sending service-related updates.
Compliance and Legal Obligations: Meeting legal and regulatory obligations, maintaining appropriate records, and supporting audits or investigations.
Improvement and Personalization: Analyzing website usage to improve our offerings and personalize your experience.

4. How We Share Your Information

We may share your information with:

Service Providers: Third-party vendors who help us process loans, manage IT systems, provide customer service, perform analytics, and fulfill legal obligations.
Affiliates: Our affiliates, when permitted by law, for purposes aligned with this policy.
Legal and Regulatory Entities: Government agencies, law enforcement, or other third parties when required by law or legal process.
Business Transfers: In connection with a potential or actual merger, acquisition, or other transfer of ownership.

We do not sell your personal information. We may share limited customer information in accordance with the GLBA and other applicable privacy laws.

5. Your Rights and Choices

Access, Correction, and Deletion

You may request access to the personal information we hold about you. You may also request corrections, updates, or deletion of your data, subject to our legal and business obligations.

Marketing Communications

You may opt out of marketing emails at any time by following the unsubscribe instructions provided or contacting us directly (see Section 12).

State-Specific Rights

If you are a California resident, you have rights under the CCPA, including:

The right to know what personal information we collect.
The right to request deletion of personal information.
The right to opt out of certain sharing practices.
The right not to face discrimination for exercising these rights.

We will honor similar rights for residents of other states with applicable privacy laws (e.g. Colorado, Virginia, Utah).

Do Not Track: Our website does not currently respond to Do Not Track signals.

6. Data Security and Retention

We implement reasonable technical, administrative, and organizational safeguards to protect your personal information. These may include encryption, access controls, secure storage, and ongoing monitoring.

We retain personal information only as long as needed for:

The purposes described in this policy.
Compliance with legal obligations.
Business operations and record-keeping requirements.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and other tracking technologies to:

Improve website functionality and performance.
Understand user behavior.
Personalize content.

You may set your browser to block cookies or alert you about their use. Disabling cookies may limit the functionality of our website.

8. Children’s Privacy

Our website and services are not intended for children under 18. We do not knowingly collect information from anyone under 18. If we become aware of such collection, we will take steps to delete the information.

9. External Links

Our website may contain links to external sites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. We will post updates on our website with a revised “Last Updated” date. Your continued use of our website constitutes acceptance of any updates.

11. Gramm-Leach-Bliley Act (GLBA) and Regulation Privacy Notice

As a financial services provider, we may provide a separate GLBA Privacy Notice regarding the collection, sharing, and protection of financial information. If there is a conflict between this Privacy Policy and the GLBA Privacy Notice, the GLBA Privacy Notice will control.