Privacy Policy
AID HOME LOANS, INC. (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal and financial information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit an inquiry or mortgage application, communicate with us, or otherwise use our services (collectively, the “Services”).
1. Information We Collect
Depending on your interactions with us, we may collect information that identifies you or relates to you, including:
Information You Provide
- Name, address, email address, and telephone number
- Date of birth and other identifying information
- Social Security number and other government-issued identification information
- Employment and income information
- Financial and asset information, including bank account and investment information
- Credit and debt information
- Information about your current or proposed property
- Mortgage application and loan information
- Information provided through forms, emails, telephone calls, text messages, or other communications
- Documents you submit in connection with a mortgage inquiry or application
- Information about your preferences and communications with us
Information We Obtain From Third Parties
- Consumer reporting agencies and credit bureaus
- Employers and income-verification providers
- Financial institutions
- Appraisers and title companies
- Government agencies and public records
- Mortgage lenders and investors
- Service providers involved in processing or servicing your mortgage transaction
Information Collected Automatically
When you visit our website, we may automatically collect certain technical information, such as your IP address, browser type, device information, operating system, pages visited, referring website, and information about how you interact with our website.
We may use cookies, pixels, analytics tools, and similar technologies to operate, secure, analyze, and improve our website and Services.
2. How We Use Your Information
We may use personal and financial information for purposes including:
- Responding to your inquiries and requests
- Pre-qualifying or evaluating you for mortgage financing
- Processing, underwriting, and facilitating mortgage applications
- Communicating with you regarding your mortgage inquiry or transaction
- Obtaining credit reports and verifying information
- Connecting you with mortgage lenders, investors, and other transaction-related service providers
- Providing information about mortgage products and services
- Complying with legal, regulatory, licensing, and reporting requirements
- Detecting and preventing fraud, identity theft, and other unlawful activity
- Maintaining the security of our systems and website
- Improving our website, products, and Services
- Performing internal business, administrative, and quality-control functions
- Sending communications that you have requested or authorized
We will not use your information for purposes that are materially inconsistent with this Privacy Policy unless permitted or required by law or we provide you with appropriate notice.
3. Credit and Financial Information
Mortgage transactions require the collection and use of sensitive financial and credit information. We may collect and use such information to evaluate your eligibility for mortgage products, process your application, obtain credit information, verify your financial circumstances, and facilitate communications with lenders and other parties involved in your transaction.
We may obtain consumer reports and other information from consumer reporting agencies as permitted by applicable law.
4. How We Share Information
We may disclose information about you as permitted or required by law and as necessary to provide our Services.
Depending on the circumstances, information may be shared with:
- Mortgage lenders and investors
- Consumer reporting agencies
- Appraisers
- Title and settlement companies
- Insurance providers
- Employers and verification providers
- Loan processors, underwriters, and other mortgage professionals
- Technology, hosting, document-management, and communications providers
- Professional advisors, including attorneys, accountants, auditors, and compliance providers
- Government agencies and regulatory authorities
- Fraud-prevention and identity-verification services
- Other service providers assisting us in providing the Services
We may also disclose information when necessary to comply with a subpoena, court order, legal obligation, regulatory requirement, or governmental request, or when otherwise permitted by law.
We do not sell your Social Security number, mortgage application information, or other sensitive financial information for unrelated marketing purposes.
5. Service Provides
We may use third-party companies and individuals to perform services on our behalf, including website hosting, data storage, analytics, document processing, communications, customer relationship management, credit reporting, fraud prevention, and mortgage-processing services.
These service providers may have access to personal information only as reasonably necessary to perform services for us and are expected to protect that information in accordance with applicable requirements.
6. Marketing Communications
We may contact you regarding mortgage products, services, educational information, or other offerings that may be relevant to you.
You may opt out of certain marketing communications by following the unsubscribe instructions included in an email or by contacting us using the information provided below.
Opting out of marketing communications will not prevent us from sending communications necessary to process or service a mortgage transaction or otherwise provide Services you have requested.
7. Text and SMS Communications
If you provide a telephone number and affirmatively consent to receive text or SMS messages, we may send you messages relating to your inquiry, mortgage application, transaction, requested information, or other communications for which you have provided consent.
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP to a message. Reply HELP for assistance.
8. Cookies and Online Tracking
Our website may use cookies and similar technologies to maintain website functionality, understand website usage, improve our Services, and support certain marketing or analytics activities.
You may be able to control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website.
We may also use third-party analytics or advertising technologies. The information collected through these technologies may be subject to the privacy policies of the applicable third parties.
9. Data Security
We maintain administrative, technical, and physical safeguards designed to protect personal and financial information against unauthorized access, disclosure, alteration, or destruction.
However, no method of transmitting or storing information electronically can be guaranteed to be completely secure. You should exercise caution when submitting sensitive information over the internet and should use only authorized channels when providing financial or identifying information.
10. Retention of Information
We retain personal and financial information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, maintain business and transaction records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and satisfy applicable record-retention requirements.
Retention periods may vary depending on the type of information and the nature of our relationship with you.
11. Your Privacy Choices and Rights
Depending on where you reside and applicable law, you may have certain rights concerning your personal information, which may include the right to:
- Request access to certain personal information we maintain about you
- Request correction of inaccurate information
- Request deletion of certain information, subject to legal and regulatory exceptions
- Opt out of certain marketing communications
- Exercise applicable rights concerning certain forms of data processing
- Request information about how your personal information is collected and disclosed
Certain information may not be subject to deletion or other requests because we are required or permitted by law to retain it, including information necessary for mortgage transactions, regulatory compliance, fraud prevention, legal obligations, or recordkeeping.
To exercise an applicable privacy right, contact us using the information provided below. We may need to verify your identity before processing certain requests.
12. Children's Privacy
Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13 through our website.
If you believe a child has provided personal information to us, please contact us so that we can take appropriate action.
13. Third-Party Websites
Our website may contain links to websites operated by third parties, including lenders, financial institutions, service providers, and other organizations.
We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any third-party website you visit.
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our business practices, Services, technology, or applicable legal and regulatory requirements.
When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy. We encourage you to review this Privacy Policy periodically.
15. Contact Us
If you have questions about this Privacy Policy or our privacy practices, or if you wish to submit a privacy-related request, please contact us.