Privacy Policy

Information We Collect

The information we collect depends on how you interact with us and which products or services you request.

Information You Provide to Us

We may collect information that you provide directly to us, including:

• Your name, mailing address, property address, email address, and telephone number.
• Information submitted through contact forms, questionnaires, consultations, or mortgage applications.
• Government-issued identification information, Social Security number, date of birth, account credentials, and other information used to verify your identity.
• Employment, income, assets, debts, expenses, credit history, insurance information, and other financial or mortgage-application information.
• Information regarding a property, proposed transaction, loan product, or service you are considering.
• Demographic information collected as required or permitted under federal lending laws.
• Communications you exchange with us by telephone, email, text message, secure portal, website form, or other method.
• Communication preferences, marketing preferences, and consent records.

Information We Receive From Other Sources

In connection with your inquiry or application, and subject to any required authorization, we may receive information from sources such as:

• Consumer reporting agencies and credit bureaus.
• Public records and government agencies.
• Wholesale lenders, mortgage investors, and other financial institutions.
• Appraisers, title companies, escrow or settlement providers, insurance providers, and other participants in a mortgage transaction.
• Referral partners or other persons who direct you to us.
• Identity-verification, fraud-prevention, compliance, data, and technology service providers.

Information Collected Automatically

When you use our website, we may automatically collect limited technical and usage information, including:

• Internet Protocol address.
• Browser and device type.
• Operating system.
• Referring website.
• Pages viewed, links selected, and time spent on the website.
• Approximate geographic location derived from your IP address.
• Cookie identifiers and similar technical information.

How We Use Personal Information

We may use personal information to:

• Respond to inquiries and provide the information, guidance, products, or services you request.
• Evaluate, arrange, process, underwrite, close, or otherwise assist with a mortgage transaction.
• Verify your identity, employment, income, assets, credit, and other application information.
• Communicate with you regarding an inquiry, appointment, application, loan status, requested documents, rates, products, or services.
• Provide administrative, transactional, or customer-service communications.
• Send marketing communications where permitted by law and consistent with your communication preferences.
• Detect, investigate, and prevent fraud, identity theft, security incidents, and other unlawful activity.
• Maintain records and comply with lending, licensing, reporting, anti-fraud, and other legal or regulatory obligations.
• Operate, secure, maintain, analyze, and improve our website, systems, services, and business processes.
• Enforce our agreements, protect our legal rights, and resolve disputes.

How We Disclose Personal Information

We do not sell your personal information for money.

We may disclose personal information when reasonably necessary for the purposes described in this Privacy Policy, including to the categories below.

Mortgage and Transaction Participants

We may disclose information to wholesale lenders, investors, consumer reporting agencies, appraisers, title companies, escrow or settlement providers, insurance providers, verification providers, and other parties involved in evaluating or completing a mortgage transaction.

Service Providers

We may use service providers to support functions such as website hosting, secure borrower portals, customer relationship management, electronic signatures, document delivery, email, text messaging, data storage, cybersecurity, identity verification, analytics, marketing, and customer support. These providers may access personal information only as reasonably necessary to perform services for us and are expected to protect the information they receive.

Governmental and Legal Recipients

We may disclose information to regulators, licensing authorities, law-enforcement agencies, courts, or other parties when we believe disclosure is required or permitted by law, regulation, legal process, examination, audit, or governmental request. We may also disclose information when reasonably necessary to prevent fraud, protect a person's safety, enforce our rights, or protect JHL Mortgage, our customers, or others from unlawful or harmful activity.

Business Transactions

Information may be disclosed as part of a proposed or completed merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to appropriate confidentiality and legal requirements.

At Your Direction

We may disclose information to another person or organization when you authorize or direct us to do so.

Email and Text Communications

JHL Mortgage Inc. may communicate with you through telephone calls, email, text messages, secure portal messages, postal mail, or other methods.

Email Communications

Email can be delayed, intercepted, misdirected, or accessed by unauthorized parties. We cannot guarantee that ordinary email is secure, complete, error-free, or received in a timely manner. Do not send time-sensitive instructions or sensitive personal and financial information through ordinary email. For urgent matters, contact your loan officer by telephone and use the secure borrower portal for sensitive documents.

Unless an email expressly states otherwise and satisfies all applicable requirements, an email from JHL Mortgage does not constitute a rate lock, an unconditional loan approval or commitment, a final qualification decision, an agreement to lend, or a modification of formal loan documents or disclosures. Official loan terms, approvals, disclosures, and commitments will be provided through the appropriate formal documentation.

Text Message Communications

When you provide your telephone number and expressly agree to receive text messages, you authorize JHL Mortgage and service providers acting on our behalf to send messages concerning your inquiry, requested services, appointments, application, document requests, loan status, and other relevant communications. Marketing or promotional text messages will be sent only when permitted by law and when the appropriate consent has been obtained.

Messages may be sent using automated technology where permitted. Message frequency may vary. Message and data rates may apply. Your consent to receive automated or marketing text messages is not a condition of applying for or obtaining a mortgage product or service.

You represent that you are the subscriber or customary user of the telephone number you provide and agree to notify us if that number changes or is reassigned. You may opt out of text messages at any time by replying STOP to a message.

We do not sell or disclose SMS opt-in information, telephone numbers collected for SMS purposes, or SMS consent records to third parties or affiliates for their own marketing or promotional purposes. We may provide this information to service providers solely as necessary to deliver, manage, secure, or support our messaging program.

Cookies and Similar Technologies

We may use cookies and similar technologies to maintain website functionality and security, understand how visitors use the website, measure website performance, remember preferences, improve content and navigation, and evaluate marketing and referral activity. You can generally control cookies through your browser settings. Disabling cookies may prevent certain website features from working properly.

Third-Party Websites and Services

Our website may contain links to a secure borrower portal, lender websites, government websites, social-media services, or other third-party websites. JHL Mortgage does not control the privacy, security, content, or practices of websites operated by third parties. You should review the privacy policy and terms of any third-party website before submitting personal information. A link from our website does not necessarily constitute an endorsement of the third party or its products or services.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure. However, no website, email system, transmission method, or data-storage system can be guaranteed to be completely secure. You should use caution when transmitting information electronically and promptly notify us if you believe your information or account has been compromised.

Data Retention

We retain personal information for as long as reasonably necessary to provide requested products and services, process and document mortgage transactions, maintain business and customer records, comply with legal, licensing, tax, audit, and regulatory obligations, prevent fraud and maintain security, resolve disputes and enforce agreements, and establish, exercise, or defend legal claims. Retention periods vary depending on the type of information, the nature of our relationship with you, and applicable legal requirements.

Your Choices and Privacy Rights

You may unsubscribe from marketing emails by using the unsubscribe link contained in the message. You may opt out of text messages by replying STOP. Depending on your state of residence and applicable law, you may have rights relating to your personal information, such as the right to request access, correction, deletion, or information about how it has been used or disclosed. These rights may be subject to exceptions, including mortgage-record retention, fraud prevention, legal compliance, and other financial-services obligations. We may need to verify your identity before processing a privacy request. To submit a request, contact us using the information below.

Children's Privacy

Our website and mortgage services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through the website. If you believe that a child under 13 has submitted personal information to us, please contact us so we can review and address the matter.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, technology, services, or legal obligations. When we make changes, we will post the updated Privacy Policy on this page and revise the "Last updated" date. Your continued use of the website after an updated policy is posted is subject to the revised policy.

Contact Us

Questions, concerns, or requests regarding this Privacy Policy or JHL Mortgage Inc.'s handling of personal information may be directed to:

JHL Mortgage Inc. 7344 E Solano Dr, Scottsdale, AZ 85250 Phone: (602) 290-0897 Email: jim@jhlmortgageinc.com Company NMLS #2573609 Jim Lyddon NMLS #14504