PRIVACY
POLICY.

01

Information We Collect

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

• Name
• Phone number
• Email address
• Mailing address
• Property address
• Loan purpose
• Estimated credit profile
• Income, employment, asset, and financial information
• Mortgage application information
• Communication preferences
• Any other information you submit through our forms, applications, emails, calls, or text messages

We may also collect information automatically when you visit our website, including:

• IP address
• Browser type
• Device type
• Pages visited
• Date and time of visit
• Referral source
• Cookies, pixels, analytics data, and similar tracking technologies

02

How We Use Your Information

We may use your information to:

• Respond to your inquiries
• Provide mortgage information, loan options, or prequalification assistance
• Process or support a mortgage application
• Communicate with you by phone, email, text message, or mail
• Schedule consultations or appointments
• Improve our website, advertising, and customer experience
• Send educational, promotional, or service-related communications
• Comply with legal, regulatory, licensing, underwriting, investor, and recordkeeping requirements
• Detect, prevent, or address fraud, security issues, or unauthorized activity

03

Mortgage and Financial Information

Because mortgage services may involve sensitive financial information, we take reasonable steps to protect the information you provide. Information submitted for mortgage-related services may be shared with parties involved in the loan process, such as lenders, investors, credit reporting agencies, appraisers, title companies, escrow companies, insurance providers, processors, underwriters, technology providers, and other service providers necessary to evaluate, process, close, or service a loan.

This Privacy Policy is intended to explain website and general privacy practices. Separate financial privacy notices may apply to mortgage applicants and customers.

04

Sharing of Information

We do not sell your personal information in the traditional sense. We may share information with:

• Service providers that help operate our website, CRM, marketing systems, email systems, phone systems, loan technology, and analytics tools
• Mortgage lenders, investors, underwriters, loan processors, title, escrow, appraisal, insurance, credit, and settlement service providers
• Professional advisors, such as attorneys, accountants, compliance consultants, and auditors
• Government agencies, regulators, law enforcement, or other parties when required by law
• Successors or affiliates in connection with a business transaction, merger, restructuring, or transfer of assets

We require service providers to use personal information only as needed to perform services on our behalf, subject to applicable law.

05

Text Messages, Calls, and Email Communications

By submitting your phone number, you authorize West Shores Financial and its representatives to contact you by phone call, text message, or voicemail regarding your inquiry, loan options, appointment reminders, application status, or related mortgage services. Message and data rates may apply. Message frequency may vary.

You may opt out of text messages at any time by replying STOP. You may request help by replying HELP or contacting us directly.

You may unsubscribe from marketing emails by using the unsubscribe link in the email or by contacting us.

06

Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to:

• Understand how visitors use our website
• Improve website performance
• Remember user preferences
• Measure marketing and advertising performance
• Deliver relevant content or advertisements

You may adjust your browser settings to refuse or delete cookies. Some website features may not function properly if cookies are disabled.

07

Online Advertising and Analytics

We may use third-party tools such as analytics platforms, advertising platforms, CRM systems, and tracking pixels. These tools may collect information about your interactions with our website and advertisements.

Depending on your location, you may have the right to opt out of certain targeted advertising, sale, or sharing of personal information.

08

How We Protect Information

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no website, electronic transmission, or storage system is completely secure. You should avoid sending highly sensitive information through unsecured email or forms unless directed through a secure application portal.

09

Retention of Information

We retain personal information for as long as reasonably necessary to provide services, maintain records, comply with legal and regulatory obligations, resolve disputes, prevent fraud, and enforce agreements.

Mortgage-related records may be retained for periods required by applicable law, licensing rules, investor guidelines, and business recordkeeping policies.

10

Your Privacy Rights

Depending on where you live, you may have rights regarding your personal information, including the right to:

• Know what personal information we collect, use, disclose, sell, or share
• Request access to your personal information
• Request correction of inaccurate personal information
• Request deletion of personal information, subject to legal exceptions
• Opt out of certain sharing, sales, or targeted advertising
• Limit certain uses of sensitive personal information, where applicable
• Not be discriminated against for exercising privacy rights

To exercise privacy rights, contact us using the information below. We may need to verify your identity before completing certain requests.

11

California Privacy Notice

For California residents, the categories of personal information we may collect include:

• Identifiers, such as name, email address, phone number, mailing address, IP address, and online identifiers
• Customer records information, such as financial information, loan information, and application information
• Protected classification information, only where required or permitted for mortgage-related purposes
• Commercial information, such as services requested or considered
• Internet or network activity, such as website usage and interaction data
• Geolocation information, such as general location inferred from IP address
• Professional or employment-related information, such as employer and income information
• Inferences, such as preferences or likely service interests
• Sensitive personal information, such as financial account information or government identification information, if provided for loan-related purposes

We collect this information from you, your devices, service providers, credit reporting agencies, lenders, referral partners, public records, and other sources involved in the mortgage process.

We use this information for the purposes described in this Privacy Policy, including providing mortgage services, processing inquiries, communicating with you, marketing, compliance, security, fraud prevention, and business operations.

We do not knowingly sell personal information of minors under 16.

12

Links to Third-Party Websites

Our website may link to third-party websites, including loan application portals, scheduling tools, social media platforms, or partner websites. We are not responsible for the privacy practices or content of third-party websites. Please review their privacy policies before submitting information.

13

Children’s Privacy

Our website and services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13.

14

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted means you accept the updated Privacy Policy.