Privacy Policy

Effective Date: 2/04/2025

Nations Financial Mortgage Corporation (“Company,” “we,” “us,” or “our”) is committed to protecting the privacy of our customers and website visitors. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website, contact us, or apply for a reverse mortgage or other loan products.

By accessing or using our website or providing information to us, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

1.1 Information You Provide Directly

Examples include:

Contact details such as name, address, phone number, and email address.
Loan inquiry or application information such as date of birth, Social Security number, property address, estimated home value, income, assets, and liabilities.
Demographic information, including age and marital status, if provided.
Information you provide during phone calls, emails, online forms, chats, or in-person meetings.

1.2 Information Collected Automatically

When you visit our website, we may automatically collect:

Device and browser information (IP address, browser type, operating system, device identifiers).
Usage data (pages viewed, links clicked, time and date of visits, referring/exit pages).
Cookie and tracking technology information, as described below.

1.3 Information from Third Parties

We may receive information from:

Credit reporting agencies.
Public records and property data providers.
Marketing or lead generation partners.
Service providers and affiliated business partners (if applicable).

2. How We Use Your Information

We may use your information for the following purposes:

To respond to your inquiries, requests, and questions.
To evaluate your eligibility for reverse mortgages and other loan products.
To process, underwrite, and service your loan applications and accounts.
To verify your identity and prevent fraud or unauthorized activity.
To comply with legal and regulatory requirements, including those applicable to mortgage and reverse mortgage lending.
To improve our website, products, and services.
To send you informational or marketing communications (where permitted by law and your preferences).
To maintain internal records, analytics, and business operations.

3. Legal Basis for Processing (If Applicable)

If and to the extent required by applicable law, we may rely on the following legal bases to process your information:

Your consent.
Performance of a contract or steps taken at your request prior to entering into a contract.
Compliance with legal or regulatory obligations.
Our legitimate business interests, such as improving services, preventing fraud, and maintaining security.

4. Cookies and Tracking Technologies

We may use cookies, web beacons, pixels, and similar tracking technologies to:

Recognize your device and customize your experience.
Analyze website traffic, usage, and performance.
Support marketing and advertising efforts, including retargeting, where permitted.

You can adjust your browser settings to refuse cookies or to alert you when cookies are being sent. However, some parts of the website may not function properly without cookies.

We may share your information in the following circumstances:

Service Providers: With third-party vendors who perform services on our behalf, such as loan processing, underwriting, document preparation, data hosting, analytics, or marketing support, under confidentiality obligations.
Affiliates and Business Partners: With affiliated companies or business partners, where permitted by law and consistent with your privacy choices.
Government and Legal Authorities: To comply with legal obligations, court orders, regulatory requests, or to protect our rights, property, customers, or the public.
Business Transfers: In connection with a merger, acquisition, sale of assets, reorganization, or similar corporate transaction, where customer information may be transferred as part of the transaction.
With Your Consent: In any other circumstance where you authorize or direct us to share your information.

We do not sell your personal information in exchange for money. If data sharing practices fall within any legal definition of a “sale” or “sharing” under applicable privacy laws, we will handle such practices in accordance with those laws and your rights, as described below.

6. Protection of Your Information

We use reasonable physical, technical, and administrative safeguards designed to protect your information from unauthorized access, use, disclosure, or loss. These measures may include:

Restricted access to personal information.
Secure storage and transmission technologies where appropriate.
Policies and training for employees on data protection.

However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your information for as long as necessary to:

Fulfill the purposes described in this Privacy Policy.
Complete transactions and maintain loan records.
Comply with applicable laws, regulations, and recordkeeping requirements.
Resolve disputes and enforce our agreements.

When information is no longer needed for these purposes, we will securely delete or anonymize it, in accordance with our policies and applicable law.

8. Your Choices and Rights

Depending on your location and applicable law, you may have certain rights with respect to your personal information, which may include:

The right to access and obtain a copy of certain personal information we maintain about you.
The right to request correction or update of inaccurate or incomplete information.
The right to request deletion of certain personal information, subject to legal and business recordkeeping requirements.
The right to restrict or object to certain types of data processing.
The right to opt out of certain marketing communications.

To exercise your rights or update your preferences, please contact us using the information in Section 12 below. We may need to verify your identity before fulfilling your request, and in some cases we may be unable to comply with a request due to legal or regulatory obligations.

If applicable privacy laws (such as state consumer privacy laws) grant you additional rights (for example, related to “sale” or “sharing” of data, or the right to non-discrimination for exercising your rights), we will honor those rights in accordance with the law.

9. Marketing Communications

If you provide your contact information, we may send you:

Educational information about reverse mortgages and related products.
Updates about services, events, promotions, or company news.

You can opt out of marketing emails by following the unsubscribe instructions in those messages or by contacting us as described below. Even after you opt out of marketing, we may still send you non-marketing messages related to transactions or account matters.

10. Children’s Privacy

Our website and services are not intended for children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will take appropriate steps to delete it as required by law.

11. Third-Party Websites and Services

Our website may contain links to third-party websites, tools, or services that are not operated or controlled by Nations Financial Mortgage Corporation. This Privacy Policy does not apply to those third-party sites or services. You are encouraged to review the privacy policies of any third-party websites you visit.

12. Contact Information

If you have any questions about this Privacy Policy, our privacy practices, or would like to exercise your privacy rights, please contact:

Nations Financial Mortgage Corporation
[360 E 1st St Ste. 258]
[Tustin, California, 92780]
Phone: [888-244-4164]
Email: [phil@nationsfinancialcorp.com]

13. Changes to This Privacy Policy

We may update or modify this Privacy Policy from time to time. When we make changes, we will revise the “Effective Date” at the top of this page. Your continued use of our website or services after any changes are posted constitutes your acceptance of the updated Privacy Policy.

If required by law, we will provide additional notice of material changes.