[BRACKETED] placeholder with the verified value.Effective date: [EFFECTIVE_DATE]
Mango Stock Mortgage (“we,” “us,” “our”) respects your privacy. This Privacy Policy describes the information we collect, how we use it, when we share it, and the rights you have. It applies to mangostockmortgage.com and to the mortgage brokerage services we provide.
1. Information we collect
Information you give us when you request a quote, complete an application, or contact us: name, address, phone, email, date of birth, Social Security number, income and employment information, asset and debt information, property details, and other information needed to evaluate a mortgage application under the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA).
Information collected automatically when you use the site: IP address, device and browser data, pages viewed, referring URL, and cookie identifiers. See our Cookie Policy.
Information from third parties: credit reporting agencies, public records, fraud-prevention services, verification of employment/assets/income providers, and wholesale lender partners.
2. How we use information
- To pre-qualify and originate mortgage applications and shop loan products with wholesale lenders on your behalf.
- To verify identity and prevent fraud.
- To comply with federal and state mortgage laws, anti-money-laundering rules, and licensing obligations.
- To communicate with you about your loan, documents, or service updates.
- To improve our website and marketing (only with appropriate consent where required).
3. How we share information
We share personal information with: wholesale lenders, title and escrow companies, appraisers, credit bureaus, document-preparation and e-sign providers, regulators and law-enforcement when legally required, and service providers under written contracts that restrict their use of the information.
We do not sell your personal information for money. Certain online advertising activity may qualify as a “sale” or “sharing” under state privacy laws; see Section 6.
4. Gramm-Leach-Bliley Act (GLBA) notice
As a financial institution under the GLBA, we provide an initial and annual privacy notice describing the categories of nonpublic personal information we collect and disclose. A copy of our GLBA Privacy Notice is available on request to [PRIVACY_EMAIL].
5. Security
We maintain administrative, technical, and physical safeguards designed to protect personal information, consistent with the GLBA Safeguards Rule and applicable state law.
6. State privacy rights
If you reside in a state with a comprehensive consumer privacy law (including California, Colorado, and others as we expand), you may have the right to know, access, correct, delete, port, limit certain processing, and opt out of “sales” or “sharing” of personal information and certain targeted advertising. Note that GLBA-regulated financial information is generally exempt; non-exempt website data is still covered. To exercise your rights, email [PRIVACY_EMAIL] or use our Do Not Sell or Share My Personal Information form (if applicable).
7. Children
Our site is not directed to children under 13, and we do not knowingly collect personal information from them.
8. Changes
We may update this policy from time to time. Material changes will be posted here with a revised effective date.
9. Contact
Mango Stock Mortgage, NMLS #2815478
[STREET ADDRESS], [CITY], CO [ZIP]
[PRIVACY_EMAIL] · [PHONE]