Your privacy is important to us. Learn how we collect, use, and protect your personal information in compliance with federal and state regulations.
At Equitable Lending, we value and respect your privacy. We are committed to maintaining the confidentiality and security of your personal and financial information, in compliance with federal and state regulations. This Privacy Policy explains how we collect, use, disclose, and protect your information. It applies to all personal and financial data collected in connection with our mortgage services, including loan applications, refinancing, and other services.
This Privacy Policy is in accordance with the Gramm-Leach-Bliley Act (GLBA), Fair Lending Laws, and other applicable federal and state regulations governing the collection and use of consumer information in the mortgage and lending industry.
We collect and maintain personal and financial information for the purpose of providing mortgage-related services, including loan applications, approval, processing, and servicing. This information may include, but is not limited to:
Name, address, phone number, email address, social security number (SSN), date of birth.
Income, assets, liabilities, debts, credit history, and loan-related information.
Information provided in loan applications, including employment history, income verification, and assets.
Financial records used to evaluate your mortgage eligibility.
Information such as IP address, browser type, cookies, and usage data when you visit our website.
We use your personal and financial information for several purposes:
To assess your eligibility for a loan and process your mortgage application.
To comply with federal, state, and local laws, including credit reporting and fair lending regulations (e.g., ECOA, RESPA).
To inform you about new products, promotions, and updates, unless you opt-out.
To provide customer support and respond to your inquiries.
To manage our business operations and improve our services.
We are committed to safeguarding your personal information. We employ a variety of technical, administrative, and physical security measures to protect your data, including:
Sensitive information, such as personal and financial data, is encrypted during transmission.
Access to your information is restricted to authorized personnel only.
We store personal and financial information in a secure manner, compliant with industry standards and regulatory requirements.
We conduct regular audits of our security policies and procedures to ensure compliance with all relevant laws and standards.
IMPORTANT — PLEASE READ CAREFULLY
By providing your information to us, you expressly consent to the sharing and disclosure practices described in this section. Your continued use of our services and this website constitutes ongoing consent to these data sharing practices.
We do not sell, rent, or trade your personal information to any third parties for their own marketing purposes. However, we may share your information with third parties in the following circumstances. Each third party with whom we share your information is contractually bound to maintain the confidentiality and security of your information and to use it only for the purposes we specify:
We may share your information with third-party vendors or service providers that assist us in the mortgage process, including but not limited to: underwriting services, loan servicing platforms, appraisal management companies, title companies, escrow agents, credit reporting agencies, fraud prevention services, identity verification services, document processing services, IT and cloud hosting providers, customer relationship management (CRM) platforms, email and SMS communication platforms, analytics providers, and marketing service providers.
Your information may be shared with our lending partners, correspondent lenders, wholesale lenders, secondary market investors (including Fannie Mae, Freddie Mac, Ginnie Mae), and other financial institutions for the purpose of processing, underwriting, funding, purchasing, insuring, or securing your loan, or for quality control and audit purposes.
We may disclose information to regulatory agencies, law enforcement authorities, government entities, courts, or as required by law, including but not limited to compliance with TILA (Regulation Z), RESPA (Regulation X), ECOA (Regulation B), FCRA, HMDA (Regulation C), Bank Secrecy Act / AML, OFAC sanctions screening, Fair Lending Regulations, and any other applicable federal, state, or local laws, regulations, or legal process.
In the event of a merger, acquisition, reorganization, restructuring, sale of all or substantially all of our assets, bankruptcy, or similar corporate transaction, your personal information may be transferred to the successor entity or acquiring party as part of the transaction. You will be notified of any such change in ownership or control of your personal information as required by applicable law.
We may disclose your information when we believe in good faith that disclosure is necessary to: (a) protect our rights, property, or safety, or the rights, property, or safety of our users, employees, or the public; (b) enforce our Terms and Conditions or other agreements; (c) investigate, prevent, or take action regarding suspected illegal activities, fraud, or potential threats; or (d) establish, exercise, or defend against legal claims.
With your express consent (provided when you submit your information through our website forms or by clicking any "Submit," "Apply Now," "Get Started," or similar button), we may share your information with our marketing partners, lead aggregators, advertising networks, and affiliated entities for the purpose of providing you with information about mortgage products, financial services, and other offers that may be of interest to you. This sharing is conducted in accordance with the GLBA, FCRA, and applicable state laws. You may opt out of this sharing at any time by contacting us as described in Section 6.
GLBA Notice: In accordance with the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations (Regulation P), we restrict access to nonpublic personal information about you to those employees and third parties who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
We do not sell, rent, or trade your personal information to third parties for monetary consideration. We will never sell your personal data to advertisers or marketers for their independent commercial use. Any third parties with whom we share information are strictly necessary to fulfill the purposes outlined in this policy (e.g., to process loans, service your mortgage, or comply with legal obligations). To the extent that any sharing of data described in this Privacy Policy could be considered a "sale" under applicable law, such sharing is undertaken with your express consent and in compliance with all regulatory requirements.
We retain your personal and financial information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, tax, or reporting requirements. The specific retention periods vary depending on the type of data and applicable legal obligations:
When personal information is no longer required for the purposes outlined above, we will securely destroy or de-identify it in accordance with applicable laws and our data destruction policies.
In connection with your mortgage application, we may obtain a consumer report (credit report) from one or more consumer reporting agencies. We may also report information about your loan account to consumer reporting agencies. This information may be used for the purposes of evaluating your application, servicing your loan, and as otherwise permitted by the Fair Credit Reporting Act (FCRA).
If we take adverse action on your application based in whole or in part on information in a consumer report, we will provide you with an adverse action notice containing the name and contact information of the consumer reporting agency that provided the report, a statement that the agency did not make the decision, and notice of your right to obtain a free copy of the report and to dispute its accuracy.
You have the right to dispute the completeness or accuracy of any information we furnish to consumer reporting agencies by contacting us at the contact information provided in Section 11.
As a consumer, you have several rights concerning your personal data. These rights include:
Important: To protect your privacy and security, we will verify your identity before responding to any request to exercise your data rights. We may require you to provide information sufficient to confirm your identity. We reserve the right to deny requests that are manifestly unfounded, excessive, or repetitive, or where retention is required by law.
We use cookies and other tracking technologies to improve your experience on our website, including for analytics and advertising purposes. You may choose to disable cookies through your browser settings, but doing so may limit the functionality of certain parts of the website.
Our website may contain links to third-party websites or services. These third-party websites are not covered by this Privacy Policy. We encourage you to review the privacy policies of any third-party websites you visit.
We do not knowingly collect personal information from children under the age of 13. If we become aware that we have inadvertently collected personal data from a child under 13, we will take steps to delete that information as soon as possible.
We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. When we make updates, we will revise the Effective Date at the top of the policy. We encourage you to review this policy regularly.
If you are a resident of California, you have additional rights under the California Consumer Privacy Act (CCPA), which includes:
You have the right to request the categories and specific pieces of personal information we have collected about you in the past 12 months.
You have the right to request the deletion of your personal data (subject to certain exceptions).
You can request to opt-out of the "sale" of your personal information (we do not sell your personal information).
To exercise your rights under the CCPA, please contact us using the information below.
In addition to the CCPA/CPRA (California), residents of certain other U.S. states may have additional rights under their respective comprehensive privacy laws, including but not limited to:
Where applicable, residents of these states may have rights including the right to access, correct, delete, and obtain a portable copy of their personal data, as well as the right to opt out of targeted advertising, the sale of personal data, and profiling in furtherance of decisions that produce legal or similarly significant effects. To exercise any of these rights, please contact us using the information in Section 11. We will respond to verified requests within the timeframes required by applicable law. If we deny your request, you may appeal our decision by contacting us and we will respond in accordance with applicable law.
Any dispute, claim, or controversy arising out of or relating to this Privacy Policy, the collection, use, disclosure, retention, or protection of your personal information, or any alleged violation of privacy rights — including but not limited to claims under the TCPA, FCRA, GLBA, CCPA, or any other federal or state privacy or consumer protection law — shall be resolved exclusively through binding individual arbitration in accordance with the dispute resolution provisions set forth in our Terms and Conditions (specifically Section 10 thereof).
This includes, without limitation: all claims related to data breaches, unauthorized access or disclosure, failure to notify, improper data retention, violations of opt-out requests, claims arising under state privacy statutes, and any claim that this Privacy Policy or our practices violate any law, regulation, or industry standard. YOU HEREBY WAIVE YOUR RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING RELATING TO ANY PRIVACY-RELATED CLAIM. YOU FURTHER WAIVE YOUR RIGHT TO A JURY TRIAL.
Your use of our website and services constitutes your acknowledgment of and agreement to these dispute resolution provisions. If you do not agree, you must immediately cease using our website and services. For full details, including the 30-day opt-out window, arbitration procedures, and governing law, please refer to our Terms and Conditions.
Some web browsers offer a "Do Not Track" (DNT) setting that sends a signal to websites requesting that they not track your online activity. At this time, our website does not respond to DNT signals because there is no consistent industry or legal standard for recognizing and honoring such signals. However, you may opt out of certain tracking and targeting by adjusting your cookie preferences in your browser settings or by using industry-developed opt-out tools such as the Network Advertising Initiative (NAI) opt-out page or the Digital Advertising Alliance (DAA) WebChoices tool. We continue to monitor developments in DNT technology and standards and may update this policy in the future.
If you have any questions about this Privacy Policy, or if you wish to exercise any of your rights, please contact us at:
