Privacy Policy

Elliott Bowman ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage brokerage services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request a mortgage quote or pre-approval
• Complete a mortgage application
• Subscribe to our newsletter or blog
• Contact us via phone, email, or contact forms
• Schedule a consultation

This information may include:

• Name, address, phone number, and email address
• Social Security Number and date of birth
• Employment information and income details
• Financial information (assets, debts, credit history)
• Property information and purchase details

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing behavior, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on our site
• Referring website addresses
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Process mortgage applications: To evaluate your loan request and connect you with appropriate lenders
• Communicate with you: To respond to inquiries, provide updates on your application, and send important notices
• Comply with legal obligations: To meet regulatory requirements under federal and state lending laws
• Improve our services: To analyze website usage and enhance user experience
• Marketing communications: To send newsletters, mortgage rate updates, and promotional materials (with your consent)
• Fraud prevention: To detect and prevent fraudulent activity

How We Share Your Information

We may share your personal information with:

• Lenders and financial institutions: To process your mortgage application and obtain loan approval
• Service providers: Including credit bureaus, appraisers, title companies, and closing agents involved in your transaction
• Our parent company: Xpert Home Lending, Inc. (NMLS #2179191) and its authorized personnel
• Legal authorities: When required by law, court order, or regulatory requirement
• Professional advisors: Including attorneys and accountants when necessary for business operations

We do not sell your personal information to third parties.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure storage of documents and application materials
• Access controls limiting employee access to personal information
• Regular security assessments and updates

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights and Choices

You have the following rights regarding your personal information:

• Access and correction: You may request access to the personal information we hold about you and request corrections if it is inaccurate
• Opt-out of marketing: You can unsubscribe from marketing emails by clicking the "unsubscribe" link in any promotional email
• Cookie preferences: You can manage cookie settings through your browser preferences
• Do Not Track: Our website does not currently respond to "Do Not Track" browser signals

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information (subject to legal exceptions)
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal, regulatory, and record-keeping requirements
• Resolve disputes and enforce our agreements

Mortgage application records are typically retained for 7 years in accordance with federal lending regulations.

Third-Party Websites

Our website may contain links to third-party websites (including lender portals, credit report services, and scheduling tools). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a revised "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

Regulatory Compliance

As a licensed mortgage broker, we comply with all applicable federal and state privacy laws, including:

• Gramm-Leach-Bliley Act (GLBA)
• Fair Credit Reporting Act (FCRA)
• Real Estate Settlement Procedures Act (RESPA)
• Truth in Lending Act (TILA)
• State-specific privacy and lending regulations

For more information about your rights under federal lending laws, visit the Consumer Financial Protection Bureau at www.consumerfinance.gov.