Privacy Policy

Carolina Mortgage Group
lisa@carolinamortgage.net

Data Controller and Owner
Carolina Mortgage Group
lisa@carolinamortgage.net

Financial Privacy & GLBA Notice
As a mortgage lender, Carolina Mortgage Group collects sensitive financial information including Social Security numbers, income documentation, credit history, and bank account details. This section should describe how that data is collected, used, shared (e.g., with underwriters, credit bureaus, title companies), and protected, in compliance with the Gramm-Leach-Bliley Act and applicable NMLS regulations. This is a standard requirement for licensed mortgage lenders and should be drafted or reviewed by a qualified attorney.

Types of Data Collected
The types of Personal Data collected by Carolina Mortgage Group may include, but are not limited to: name, contact information, Social Security number, income and employment details, credit history, banking information, and property information, as needed to process loan applications and provide mortgage services.

Other Personal Data collected may be described in other sections of this privacy policy or by dedicated explanation text contextually with the data collection.

The Personal Data may be freely provided by the User, or collected automatically when using this website.

Any use of Cookies — or of other tracking tools — by this website or by the owners of third-party services used by this website, unless stated otherwise, serves to identify Users and remember their preferences, for the sole purpose of providing the service required by the User.
Failure to provide certain Personal Data may make it impossible for this website to provide its services.

Users are responsible for any Personal Data of third parties obtained, published, or shared through this website and confirm that they have the third party’s consent to provide the data to the Owner.

Mode and Place of Processing the Data

Methods of Processing
The Data Controller processes the Data of Users in a proper manner and shall take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.

The Data processing is carried out using computers and/or IT-enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Data Controller, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of the site (administration, sales, marketing, legal, loan processing, system administration) or external parties (such as underwriters, credit bureaus, title companies, third-party technical service providers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Data Controller at any time.

Place
The Data is processed at the Data Controller’s operating offices and in any other places where the parties involved with the processing are located. For further information, please contact the Data Controller.

Retention Time
The Data is kept for the time necessary to provide the service requested by the User, as required by applicable mortgage industry recordkeeping regulations, or as stated by the purposes outlined in this document. The User can always request that the Data Controller suspend or remove non-regulatory data.

Additional Information About Data Collection and Processing

Legal Action
The User’s Personal Data may be used for legal purposes by the Data Controller, in court or in the stages leading to possible legal action arising from improper use of this website or related services.
The User acknowledges that the Data Controller may be required to disclose personal data upon request of public authorities or regulatory agencies.

Additional Information About User’s Personal Data
In addition to the information contained in this privacy policy, this website may provide the User with additional and contextual information concerning particular services or the collection and processing of Personal Data upon request.

System Logs and Maintenance
For operation and maintenance purposes, this website and any third-party services may collect files that record interaction with this website (System Logs) or use for this purpose other Personal Data (such as IP Address).

Information Not Contained in This Policy
More details concerning the collection or processing of Personal Data may be requested from the Data Controller at any time. Please see the contact information at the beginning of this document.

The Rights of Users
Users have the right, at any time, to know whether their Personal Data has been stored and can consult the Data Controller to learn about its contents and origin, to verify its accuracy, or to request that it be supplemented, cancelled, updated, or corrected, or transformed into anonymous format, or to block any data held in violation of the law, as well as to object to its treatment for any legitimate reason. Requests should be sent to the Data Controller using the contact information set out above.

This website does not support “Do Not Track” requests.
To determine whether any of the third-party services it uses honor “Do Not Track” requests, please read their privacy policies.

Changes to This Privacy Policy
The Data Controller reserves the right to make changes to this privacy policy at any time by giving notice to Users on this page. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. If a User objects to any changes to the policy, the User must cease using this website and may request that the Data Controller remove their Personal Data. Unless stated otherwise, the then-current privacy policy applies to all Personal Data the Data Controller has about Users.