Legal
Privacy Policy
Effective date: [EFFECTIVE DATE]
This Privacy Policy explains how The Kinsley Mortgage Team ("we," "us" or "our") collects, uses, shares and protects personal information when you visit https://rates.kinsleymortgage.com, contact us, or apply for a mortgage loan through Erik Kinsley, NMLS #255872.
C2 Financial Corporation, NMLS #135622, California DRE #01821025. Equal Housing Lender.
Information we collect
Information you give us
Your name, email address, phone number, mailing address, property address, and anything else you share through our forms, scheduling tools, chat, email, phone calls or text messages.
Loan application information
If you apply for a loan, we collect the information lenders and the law require, which may include your Social Security number, date of birth, employment and income, assets and account balances, debts, credit history, tax returns, government-issued ID and details about the property.
Information from others
Credit reporting agencies, lenders, employers and other parties that verify your information, appraisers, title and escrow companies, real estate professionals you work with, and public records.
Information collected automatically
When you use our website we may collect your IP address, browser and device type, pages viewed, the site that referred you, and the date and time of your visit, using cookies and similar tools.
How we use information
- To respond to your questions and schedule appointments
- To review your loan options and take, process and arrange your loan application with lenders
- To verify your identity and help prevent fraud
- To send emails and text messages you have agreed to receive
- To meet legal, regulatory, licensing and recordkeeping requirements
- To operate, secure and improve our website and services
Financial privacy notice (GLBA)
If you apply for a loan, the federal Gramm-Leach-Bliley Act (GLBA) governs how we handle the nonpublic personal information you provide. You will receive our separate GLBA Privacy Notice, which explains what we share, why we share it, and the choices you have to limit sharing. If this policy and that notice differ on information covered by GLBA, the GLBA Privacy Notice controls. California residents also have rights under the California Financial Information Privacy Act, which are described in that notice. To request a copy at any time, contact us using the details below.
How we share information
We share personal information only as needed to provide our services or as permitted or required by law:
- Lenders and investors that may fund, purchase or service your loan
- Credit reporting agencies
- Appraisers, title, escrow and settlement companies, and insurance providers, as needed to complete your loan
- Service providers that support our business, such as loan processing, customer relationship management (CRM), communication, document storage and IT providers, who may use the information only to provide services to us
- Government agencies, regulators and others when required by law, legal process or to protect our rights and the rights of others
- A successor business in a merger, acquisition or sale of all or part of our business, subject to this policy
We do not sell your personal information.
All the above categories exclude text messaging originator opt-in data and consent.
Text messaging (SMS)
If you opt in to text messages from us, we collect your mobile number and a record of your consent, including the date, time, method and the wording you agreed to. We use this information only to send the messages you agreed to receive, as described in our SMS Terms.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. Text messaging originator opt-in data and consent will not be shared with any third parties.
You can opt out at any time by replying STOP. Reply HELP for help.
Cookies and analytics
We use cookies and similar tools to make our website work, remember your preferences, understand how visitors use the site and measure the results of our advertising. Some of these tools are provided by third parties. You can block or delete cookies in your browser settings, though some parts of the site may not work as intended. Where required by law, we honor browser opt-out preference signals such as Global Privacy Control.
Data security
We use administrative, technical and physical safeguards designed to protect your information, consistent with the GLBA Safeguards Rule. Access is limited to people and service providers who need it to do their work. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
We will never ask for your Social Security number, account numbers or passwords by text message. When we need sensitive documents, we provide a secure upload method.
Data retention
We keep personal information for as long as needed for the purposes described in this policy and for as long as federal and state law require us to keep loan and business records. When information is no longer needed, we delete it or de-identify it securely.
Children's privacy
Our website and services are intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us and we will delete it.
Your choices
- Email: use the unsubscribe link in any marketing email.
- Text messages: reply STOP to any message.
- Updates and corrections: contact us to update or correct your information.
California privacy rights (CCPA/CPRA)
If you are a California resident and the California Consumer Privacy Act, as amended by the California Privacy Rights Act, applies to us, you may have the right to know what personal information we collect, use and disclose; to request deletion or correction of your personal information; to opt out of the sale or sharing of personal information; to limit the use of sensitive personal information; and to be free from discrimination for exercising these rights.
Much of the information we collect in connection with a loan application is covered by GLBA and the California Financial Information Privacy Act, and is exempt from these CCPA rights. The CCPA may still apply to other information, such as information collected from website visitors who do not apply for a loan.
The categories of personal information we may collect are described above and include identifiers, contact details, financial and employment information, internet and device activity, approximate location based on IP address, and, for loan applicants, sensitive personal information such as Social Security numbers and account information.
To make a request, contact us using the details below. We will verify your identity before responding. You may use an authorized agent to make a request on your behalf.
Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and change the effective date above.
Contact us
The Kinsley Mortgage Team
12230 El Camino Real, Suite 100, San Diego, CA 92130
Phone: (951) 970-5034
Email: [email protected]