Privacy Policy
1. Introduction
Welcome to the website for D4 Mortgage (https://d4mortgage.com). We are committed to protecting your privacy and maintaining the confidentiality and security of your personal information. This Privacy Policy describes the types of personal information we collect from visitors and users of our website located at https://d4mortgage.com (the “Site”), how we use and share that information, and your choices regarding that information.
As a financial services provider, we comply with the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, as well as other applicable U.S. state and federal laws, including the California Consumer Privacy Act (CCPA) and related state privacy laws where applicable.
By using our Site, you acknowledge that you have read and understand this Privacy Policy.
2. Information We Collect
Personal Information: We may collect personal information that you voluntarily provide to us, such as:
- Contact Information: Your name, email address, phone number, and mailing address.
- Financial Information: Information you provide when applying for a mortgage or other financial products, including income, employment details, credit history, and Social Security number (where necessary).
- Transaction Information: Records of your inquiries, interactions, and transactions with us.
Non-Personal Information: We may also collect non-personal information about your use of our Site, including:
- Device and Usage Information: IP address, browser type, operating system, pages visited, and time spent on the Site.
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance user experience, analyze website performance, and personalize content. See Section 7 for more details.
3. How We Use Your Information
We use the personal information we collect for purposes including:
- Providing Services: Processing mortgage applications, verifying your identity, and delivering requested products or services.
- Communication: Responding to your inquiries, sending you relevant updates, and providing customer support.
- Compliance and Legal Obligations: Complying with applicable laws, regulations, or legal processes, and maintaining records for regulatory, auditing, and compliance purposes.
- Improvement and Personalization: Understanding how users interact with our Site, improving our offerings, and personalizing user experiences.
4. How We Share Your Information
We may share your personal information with:
- Service Providers and Partners: Third-party vendors who assist with our business operations, such as loan processors, credit reporting agencies, analytics providers, and IT services, under contractual obligations that protect your information.
- Affiliates: Our affiliates, only as permitted by law and consistent with the purposes described in this Privacy Policy.
- Legal and Regulatory Entities: Government regulators, law enforcement, or other parties as required by law, legal process, or court order.
- Business Transfers: In connection with a merger, sale, acquisition, or other change in ownership or control.
We do not sell your personal information. We may share limited customer information for joint marketing or other permitted purposes in compliance with GLBA and other applicable laws.
5. Your Rights and Choices
Access, Correction, and Deletion:
You may request access to the personal information we hold about you and request corrections or deletions subject to applicable legal requirements.
Opt-Out of Marketing Communications:
You may unsubscribe from marketing emails by following the instructions in those communications or by contacting us using the information in Section 12.
State-Specific Rights:
Residents of California and other states with applicable privacy laws (e.g., Colorado, Virginia, Connecticut, Utah) may exercise additional rights, including access, deletion, and restriction of information sharing.
Do Not Track:
Our Site does not currently respond to “Do Not Track” signals.
6. Data Security and Retention
We use technical, administrative, and organizational safeguards to protect your personal information, including encryption, secure storage, access controls, and regular reviews.
We retain personal information as long as necessary to fulfill the purposes described in this Privacy Policy and comply with applicable legal and regulatory obligations.
7. Cookies and Tracking Technologies
We use cookies and related technologies to improve site performance, personalize content, and analyze traffic. You may configure your browser settings to block or manage cookies, but disabling them may affect site functionality.
8. Children’s Privacy
Our services are not intended for children under the age of 18. We do not knowingly collect personal information from minors. If we learn that such data has been collected, we will promptly delete it.
9. External Links
Our Site may contain links to other websites not operated by D4 Mortgage. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies before sharing any information.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect legal, technological, or business developments. We will revise the “Last Updated” date at the top when changes occur. Continued use of the Site implies consent to the revised terms.
11. GLBA Privacy Notice
We may provide a separate GLBA Privacy Notice outlining how we collect, use, and protect your financial information. If there’s a conflict between that notice and this policy, the GLBA notice will take precedence.
12. Contact Us
If you have questions or wish to exercise your rights under this Privacy Policy, please contact us:
D4 Mortgage
Attn: Privacy Department
401 North Loop 336 West, Conroe, Texas 77301
📞(281) 639-2988
📧 info@d4mortgage.com
🌐 https://d4mortgage.com
