Privacy Policy

1. Introduction

My Liberty Loans Inc. (“My Liberty Loans,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at mylibertyloans.com (the “Site”), contact us, or apply for a mortgage or other financial services through us.

By using the Site or providing information to us, you agree to the terms of this Privacy Policy. If you do not agree with these terms, please do not use the Site or provide us with your information.

2. Information We Collect

We may collect the following categories of information:

Information you provide directly, such as when you submit a contact form, request a rate quote, begin a loan application, or communicate with us by phone, email, or text message:

• Name, mailing address, email address, and phone number
• Social Security number and date of birth
• Income, employment, and asset information
• Bank statements, tax returns, and other financial documents
• Property information related to your loan request
• Credit history and creditworthiness, obtained from consumer reporting agencies

Information collected automatically when you visit the Site:

• IP address, browser type, and device information
• Pages viewed, time spent on the Site, and referring URLs
• Cookies and similar tracking technologies (see Section 6)

Information from third parties, such as consumer reporting agencies, employers, financial institutions, and other parties involved in processing your loan application.

3. How We Use Your Information

We use the information we collect to:

• Evaluate and process your mortgage or loan application
• Communicate with you about your application, account, or inquiry, including by phone, email, mail, and text message (SMS)
• Verify your identity and prevent fraud
• Comply with applicable federal and state lending laws and regulations
• Improve our Site and services
• Send you information about products, services, or promotions, where permitted and where you have not opted out

We do not sell your personal information.

4. How We Share Your Information

We may disclose your nonpublic personal information to:

• Affiliates and service providers who perform services on our behalf (e.g., loan processing, underwriting, title and settlement services)
• Lenders, investors, and other financial institutions as necessary to originate, process, and fund your loan
• Consumer reporting agencies, in connection with obtaining your credit history
• Government agencies and regulators, where required by law or to comply with legal process
• Joint marketing partners, only as permitted under the Gramm-Leach-Bliley Act and applicable state law

We restrict access to your nonpublic personal information to employees and service providers who need it to provide products or services to you, and we do not share it with unaffiliated third parties for their own marketing purposes.

5. Text Messaging (SMS) Communications

If you provide your mobile phone number and consent to receive text messages from My Liberty Loans, we may send you messages related to your loan application status, appointment reminders, document requests, and general customer service communications.

• Consent: By opting in, you agree to receive SMS messages from My Liberty Loans at the mobile number provided. Consent to receive text messages is not a condition of obtaining any loan or service.
• Message frequency: Message frequency varies based on your loan status and communications with our team.
• Message and data rates: Message and data rates may apply.
• Opt-out: You may opt out of text messages at any time by replying STOP to any message. You may reply HELP for assistance.
• No sharing for marketing: Your mobile phone number and SMS consent will not be shared with third parties for their marketing purposes.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to operate and improve the Site, understand how visitors use it, and, where applicable, support advertising analytics. You can control cookies through your browser settings; disabling cookies may affect certain Site functionality.

7. Data Security

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information in compliance with applicable federal and state regulations. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your Choices and Rights

Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, or to opt out of certain uses. To exercise these rights or ask questions about this Policy, contact us using the information in Section 11.

You may also opt out of marketing communications at any time by following the unsubscribe instructions in our emails or by replying STOP to text messages.

9. Children’s Privacy

The Site and our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Policy.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: