1. Introduction

Catalpa House Mortgage LLC ("Catalpa House Mortgage," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at www.catalpahousemortgage.com or interact with our mortgage brokerage services.

2. Information We Collect

A. Information You Provide Directly

• Full name, address, email address, and phone number
• Date of birth and Social Security Number in connection with mortgage applications
• Employment information, income, and financial data
• Credit history and related financial information
• Property information including address, type, and value
• Government-issued identification documents
• Information submitted through contact forms, loan inquiry forms, or email
• Communications you send us

B. Information Collected Automatically

• IP address and general geographic location
• Browser type, operating system, and device information
• Pages visited, links clicked, and time spent on the Site
• Referring URLs and exit pages
• Cookie identifiers and similar tracking data

C. Information from Third Parties

• Credit bureaus and consumer reporting agencies
• Government databases for identity verification and regulatory compliance
• Business partners, referral sources, and service providers
• Public records and property databases

3. How We Use Your Information

• To process mortgage loan applications and provide our services
• To evaluate your creditworthiness and eligibility for loan products
• To communicate with you about your application, account, or our services
• To verify your identity and prevent fraud
• To comply with applicable federal and state laws and regulations
• To respond to your inquiries and customer service needs
• To send information about products, services, and promotions where permitted by law
• To improve our Site, products, and services
• To enforce our Terms of Use and protect our legal rights

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information with service providers, lenders, underwriters, credit bureaus, verification services, legal or regulatory authorities, or with your consent.

5. Gramm-Leach-Bliley Act Privacy Notice

As a financial institution subject to the Gramm-Leach-Bliley Act, we are required to provide notice of our privacy practices regarding your nonpublic personal financial information. We collect information from applications, transactions, consumer reporting agencies, and verification sources. We limit disclosure of this information as permitted by law.

6. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your experience, analyze usage, and support marketing where permitted. You can control cookies through your browser settings.

7. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the Internet or electronic storage is completely secure.

8. Data Retention

We retain personal information as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce agreements. Mortgage-related records may be retained for seven years or longer as required by law.

9. Children's Privacy

Our Site is not directed to individuals under 18, and we do not knowingly collect personal information from children under 18.

10. Your Rights and Choices

Depending on your state of residence, you may have rights to access, correct, delete, restrict, or opt out of certain uses of your personal information. You may also unsubscribe from promotional communications at any time.

11. California Residents

California residents may have additional rights under the CCPA/CPRA, including rights to know, delete, correct, opt out of sale or sharing, limit use of sensitive personal information, and non-discrimination for exercising privacy rights.

12. State-Specific Privacy Rights

Residents of certain states may have additional privacy rights under state law. Where applicable, we will comply with state-specific privacy requirements and provide additional disclosures as required.

13. Contact Us

Catalpa House Mortgage LLC
Website: www.catalpahousemortgage.com
Email: [email protected]

14. Changes to This Privacy Policy

We may update this Privacy Policy at any time. We will post the revised Policy with an updated “Last Updated” date. Your continued use of the Site after changes constitutes acceptance of the revised Policy.