Privacy Policy

1. Information We Collect

Information you provide to us

• Contact details: name, mailing address, email address, phone number
• Loan application information: income, employment history, assets, debts, credit history, Social Security number, date of birth, and property information
• Identity verification documents (e.g., government-issued ID, pay stubs, bank statements, tax returns)
• Communications you send us, including messages submitted through Site forms or email

Information collected automatically

• Device and browser information (IP address, browser type, operating system)
• Usage data (pages viewed, time on page, referring URL, links clicked)
• Approximate location derived from IP address

Information from third parties

• Consumer reporting agencies (credit reports and scores)
• Our lending partners, such as Finance of America for reverse mortgage products
• Public records and verification services used to confirm application information

2. How We Collect Information

We collect information directly from you when you fill out a form, apply for a loan, call or email us, or otherwise interact with our Site or staff. We also collect information automatically through cookies and similar technologies, and we receive information from credit bureaus, lending partners, and other third parties involved in processing your loan application.

3. How We Use Information

• To process, underwrite, and service mortgage loan applications
• To verify your identity and evaluate creditworthiness
• To communicate with you about your application, rates, or account
• To comply with legal, regulatory, and licensing obligations (including NMLS requirements)
• To operate, maintain, and improve our Site
• To send marketing communications, where permitted, which you may opt out of at any time
• To detect and prevent fraud, unauthorized access, and other harmful activity

4. How We Share Information

We do not sell your personal information. We may share information with:

• Lending partners and investors — such as Finance of America for reverse mortgage products — in order to process and fund your loan
• Service providers — credit bureaus, title companies, appraisers, escrow agents, and technology vendors who perform services on our behalf
• Regulators and government agencies — as required by law, licensing requirements, or legal process
• Successors — in connection with a merger, acquisition, or sale of business assets

5. GLBA / Regulation P Notice

As a mortgage broker, SureFirst Lending is a “financial institution” under the Gramm-Leach-Bliley Act. We are required to explain how we collect, share, and protect your nonpublic personal information (NPI).

You may limit our sharing by contacting us using the information at the bottom of this page. Please note that federal law gives you the right to limit only some sharing related to affiliates’ everyday business purposes and affiliates marketing to you; we do not share for these two purposes at all.

6. Cookies & Tracking Technologies

Our Site uses cookies and similar technologies to remember preferences, understand how visitors use the Site, and support analytics and advertising. You can control cookies through your browser settings; disabling cookies may affect the functionality of some features on our Site.

7. Data Security

We maintain administrative, technical, and physical safeguards designed to protect your nonpublic personal information from unauthorized access, use, or disclosure. These include encryption of sensitive data in transit, restricted access to systems containing personal information, and employee training on data handling. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including to satisfy legal, regulatory, accounting, and reporting requirements applicable to mortgage lending records.

9. Your Choices & Rights

• Marketing opt-out: You may opt out of marketing emails by using the unsubscribe link in any message, or by contacting us directly.
• Access and correction: You may request access to, or correction of, personal information we hold about you, subject to verification of your identity.
• Credit report disputes: If you believe information furnished about you to a consumer reporting agency is inaccurate, you have the right to dispute it directly with that agency.

10. State-Specific Disclosures

Depending on where you live, you may have additional rights under state privacy laws (for example, the right to know what personal information is collected, to request deletion, or to opt out of certain sharing). If you are a resident of a state with such rights, you may exercise them by contacting us using the details below. Please note that information subject to GLBA is generally exempt from many state consumer privacy laws.

11. Children’s Privacy

Our Site and services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children.

12. Third-Party Links

Our Site may contain links to third-party websites, including our lending partners. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies separately.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Material changes will be posted on this page.