On Target Mortgage, LLC – Privacy Policy

Introduction

At On Target Mortgage, LLC ("Company," "we," or "us"), we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and disclose your information when you use our website and services.

Information We Collect

We may collect the following types of information:

Personal Information: Name, email address, phone number, home address, Social Security number, and other identifying information.
Financial Information: Details regarding loan applications, credit scores, income, employment history, and payment history.
Automatically Collected Information: IP address, browser type, and usage data when you visit our website.

How We Use Your Information

We use your information for the following purposes:

To provide an improve our services.
To communicate with you regarding updates, services, and marketing materials (with your consent).
To process loan applications and related transactions.
To comply with legal and regulatory requirements.

Third-Party Disclosure

We may share your information with trusted third parties, including:

Service Providers: Companies that assist us in operating our website, processing transactions, or delivering services.
Compliance Partners: To remain A2P and industry compliant, we may disclose certain data as required by law or regulatory agencies.
Credit Reporting Agencies: In compliance with the Fair Credit Reporting Act (FCRA), we may obtain and share credit information with credit bureaus for the purpose of processing loan applications.

Gramm-Leach-Bliley Act (GLBA) Compliance

As a financial institution, we comply with the Gramm-Leach-Bliley Act (GLBA), which requires us to protect your personal financial information. We implement administrative, technical, and physical safeguards to protect your information from unauthorized access and ensure your privacy is respected.

Fair Credit Reporting Act (FCRA) Compliance

In the course of processing loan applications, we may obtain and use your credit report information in compliance with the Fair Credit Reporting Act (FCRA). You have the right to request information about the accuracy of your credit report and dispute any inaccuracies. We do not share your credit report information with third parties except as necessary to process your application or as required by law.

Data Retention

We retain your personal and financial information for as long as necessary to fulfill the purposes for which it was collected, including for the purpose of complying with legal, regulatory, or contractual obligations. Once this information is no longer required, we securely dispose of it.

Your Rights

You have the right to:

Access, correct, or delete your personal information.
Opt-out of marketing communications at any time.
Request details of the third parties with whom we share your data.
Opt-out of certain information-sharing practices with non-affiliated third parties as permitted by law.

Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance your experience. These cookies may collect information about your browsing activities. You can disable cookies through your browser settings, though this may affect the functionality of our website.

A2P Compliance

We adhere to A2P (Application-to-Person) messaging compliance standards. By using our services, you consent to receiving SMS/text messages from us as part of the loan process and related updates. You can opt out of text messaging at any time by following the instructions provided in the messages.

Data Security

We take reasonable measures to protect your personal information from unauthorized access, loss, or misuse. However, no system is completely secure, and we cannot guarantee the absolute security of your data.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the date of the latest revision will be indicated. Continued use of our services indicates your acceptance of the updated policy.