Privacy Policy

1. Who we are

The Mortgage Standard LLC (“The Mortgage Standard,” “we,” “us,” or “our”) is a licensed mortgage broker. NMLS Company ID #2552398. We are licensed in Nevada and Texas, and we operate from 7265 Dean Martin Dr. #100, Las Vegas, NV 89118.

This Privacy Policy explains what information we collect from you, why we collect it, how we use and share it, and the rights and choices you have over your information. It applies to themtgstandard.com, the loan products we offer, and any related interactions you have with us by phone, email, text, or in person.

2. Information we collect

Information you give us directly

When you apply for a loan, request a quote, or interact with us, you may provide information such as:

• Contact information: name, address, email, phone number
• Personal identifiers: date of birth, Social Security number, government-issued ID
• Financial information: income, employment history, assets, liabilities, bank account details, tax returns, pay stubs
• Property information: the address of the home you are buying or refinancing, purchase price, estimated value
• Marital and household information when relevant to a loan application
• Communication content: messages, voicemails, and texts you send us

Information we receive from third parties

To process your application and verify the information you give us, we may obtain additional information from:

• Credit reporting agencies (Experian, Equifax, TransUnion) including credit reports and credit scores
• Employers for employment verification
• Banks and financial institutions for asset verification
• Real estate agents, escrow companies, title companies, appraisers, and insurance companies involved in your transaction
• Public records including property records, court records, and licensing databases
• Marketing partners who refer you to us with your consent

Information we collect automatically

When you visit themtgstandard.com, our servers and certain third-party services automatically log:

• Your IP address, device type, browser, and operating system
• Pages you view, links you click, and time spent on each page
• The website you came from and the website you go to next
• Information collected through cookies, pixels, and similar tracking technologies (see Section 7)

3. How we use your information

We use your information to:

• Process loan applications and determine the products and rates available to you
• Verify your identity, employment, income, and creditworthiness
• Communicate with you about your application, your loan, our services, and rate updates
• Comply with applicable laws including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and state-specific mortgage regulations
• Detect and prevent fraud and protect our business and our clients
• Improve our website and services through analytics and product testing
• Send marketing communications when you have consented or where permitted by law (you can opt out at any time, see Section 6)

4. How we share your information

We share your information only when necessary to provide our services or as required by law. Specifically, we may share information with:

Lenders and investors

To find you the best loan, we share your application and supporting documents with mortgage lenders and investors. These companies have their own privacy practices and use your information to underwrite your loan.

Service providers

Companies that help us operate our business: credit bureaus, appraisers, title and escrow companies, insurance companies, document signing platforms, payment processors, customer relationship management software, and similar providers. They are contractually bound to use your information only to perform services for us.

Legal and regulatory disclosures

We disclose information when required by law, court order, subpoena, or to respond to lawful requests by public authorities. We also disclose information to comply with state and federal mortgage licensing rules and to protect our rights, property, or safety, or that of others.

With your consent

If you ask us to share information with someone (your real estate agent, attorney, financial planner, or family member), we will do so based on your authorization.

Business transfers

If we sell, merge, or transfer all or part of our business, your information may be transferred as part of that transaction. We will notify you and provide choices about your information if this happens.

5. GLBA privacy notice

Under the federal Gramm-Leach-Bliley Act (GLBA), mortgage brokers must explain how they handle nonpublic personal information. Here is our notice:

• What we collect: The categories described in Section 2, including identifiers, financial information, and credit information.
• What we share: We share your information with affiliates, service providers, and lenders as needed to process your loan application, as described in Section 4.
• Your right to limit sharing: Federal law gives you the right to limit some, but not all, sharing of your information. To exercise this right, contact us using the information in Section 12.
• Confidentiality: We restrict access to your information to employees and service providers who need it to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your information.

6. Your rights and choices

Marketing opt-out

You can opt out of marketing emails at any time by clicking the unsubscribe link in any marketing email we send, or by replying STOP to any marketing text message. You can opt out of phone marketing by telling our representative on a call.

Access and correction

You may request access to the personal information we hold about you and ask us to correct anything that is inaccurate. Contact us at the information in Section 12.

California residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act and the California Privacy Rights Act, including:

• The right to know what categories of personal information we collect, use, share, and sell
• The right to delete personal information we have collected from you, subject to legal exceptions
• The right to correct inaccurate personal information
• The right to opt out of the “sale” or “sharing” of personal information (we do not sell or share your information for cross-context behavioral advertising)
• The right to non-discrimination for exercising any of these rights

To exercise these rights, contact us at hello@themtgstandard.com with the subject line “California Privacy Request.”

Other state privacy rights

Residents of states with their own privacy laws (including Colorado, Connecticut, Virginia, and Utah) may have similar rights. Contact us using the information in Section 12 to exercise them.

7. Cookies and tracking

We use cookies and similar technologies (pixels, web beacons, local storage) to operate our website, remember your preferences, analyze traffic, and measure the effectiveness of our marketing.

You can control cookies through your browser settings. Blocking cookies may affect how parts of our site work. Some pages also use third-party analytics tools (such as Google Analytics) and conversion-tracking pixels (such as Meta Pixel and Google Ads). These services collect information about your visit and use it according to their own privacy policies.

8. How we protect your data

We use a combination of physical, administrative, and technical safeguards to protect your information, including encryption in transit and at rest, restricted employee access on a need-to-know basis, secure document storage, and regular security review of our systems and vendors.

No system is 100% secure. If we ever experience a data breach affecting your personal information, we will notify you as required by applicable state and federal law.

9. How long we keep data

We keep your information for as long as we need it to provide services to you and to comply with legal, tax, accounting, and audit requirements. Mortgage records are typically retained for at least three years after the loan closes or your application is denied or withdrawn, in accordance with federal and state requirements. After that, we either delete it or anonymize it so it cannot be linked to you.

10. Children's privacy

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us and we will delete it.

11. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will change the “Last updated” date at the top of this page and, for material changes, we may notify you by email or by posting a notice on our website. Your continued use of our services after a change becomes effective means you accept the updated policy.

12. Contact us

If you have questions about this Privacy Policy or want to exercise any of your rights, please contact us:

• The Mortgage Standard LLC
• NMLS #2552398
• 7265 Dean Martin Dr. #100
• Las Vegas, NV 89118
• Phone: 702-550-9061
• Email: hello@themtgstandard.com

You can verify our license at the NMLS Consumer Access website. Equal Housing Lender. Licensed in Nevada and Texas.