Privacy Statement

Last Updated: [DATE]

For questions regarding this Privacy Statement, please contact us at: support@trusthomeloan.com

BY ACCESSING OR USING THIS WEBSITE OR ITS SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY ALL THE TERMS AND CONDITIONS OF THIS PRIVACY STATEMENT. IF YOU DO NOT AGREE TO THIS STATEMENT, PLEASE EXIT THIS PAGE AND DO NOT ACCESS OR USE THIS WEBSITE OR ITS SERVICES.

This Privacy Statement outlines the privacy practices of THL Holdings LLC and its affiliates and subsidiaries (collectively "we," "us," "our," or "the Company") and governs the collection, sharing, and security of information through our website, trusthomeloan.com, or other Company products and services (collectively, the "Services") by users of the Services ("you" or "your").

1. Collection of Information

We may collect one or more of the following:

  • Personal Information — Information that can be used to identify you. A majority of this information is provided by you in order to process your introduction request. This may include your name, address, telephone number(s), mobile numbers, and email address, as well as employment status, financial information relevant to your home loan inquiry, or other unique information you provide to us on this site or through the course of communicating with us.
  • Behavioral Information — Information automatically collected when you use the site, including areas of the site you visit, services you engage with, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, and times that you access the site. If we are able to identify you through this information, it is Personal Information.
  • Demographic Information — Information referring to selected population characteristics such as zip code, financial profile data, and online interests. When we can identify you through this information, it is Personal Information.
  • Third-Party Information — Information about you that we may acquire from a third party, which could include personal, demographic, behavioral, and indirect information, including but not limited to first-party cookies, third-party cookies, anonymous cookies, persistent identifiers, email opt-in records, and search engine keywords.
  • Web Technology Information — This may be personal or non-personal information collected by us or by third parties under contract with us. We use ActiveProspect's TrustedForm Script to independently document users' consent to be contacted. The TrustedForm Script is embedded on this website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user's computer, time on the page, date and time the TrustedForm Script was loaded, and HTTP headers from the user's browser. For more information about ActiveProspect's data use and collection practices, please review the ActiveProspect Privacy Policy at https://activeprospect.com/privacy-policy/.

    • This site and its services never knowingly collect personal information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from our database.

    2. Cookies, Tracking Data, and Technology Used

    Cookies, tracking data, and other technologies may be used by us or by third parties on this site to collect web technology information, identify files on your computer, and record your preferences and other data about your visit.

  • Third-party tracking technologies, including ActiveProspect TrustedForm, are used to collect web technology information, including IP address, browser type, internet service provider (ISP), referring/exiting web pages, operating system, date/time stamp, and mouse/clickstream data.
  • We use cookies — small text files stored on your computer for record-keeping purposes. We use this information to personalize your site visits. You may control cookie permissions by modifying your browser preferences. If you disable cookies, some site features may not function properly.
  • Social Media Cookies. This site may include social media features that collect your IP address and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the company providing them.
  • We may use Web Beacons (single-pixel gifs or clear gifs) to measure and improve marketing effectiveness and track delivery of communications. Web Beacons collect limited information including a cookie number and time/date the page was viewed.
  • We use Google Analytics to analyze use of this site and prepare reports on site activities. You may opt out of Google Analytics services here.
  • California residents have the right to know if we respond to Do Not Track signals or cookies. We do not respond to such signals or cookies.
  • We may implement cross-device advertising and tracking to identify and track consumers across devices using identifying characteristics such as a consumer login account.
  • We may use push notifications to notify you of services or products you have expressed interest in. You may turn off push notifications at the device level.

    • 3. Use of Personal Information

    We use collected information for the following purposes:

  • To facilitate your introduction to a licensed Mortgage Loan Originator matched to your inquiry through our Mortgage Matchmaking process.
  • To provide you with personalized email, SMS, or telephone communications concerning mortgage products, services, or related information you have expressed interest in (with proper consents, where required by law).
  • To carry out our obligations and enforce our rights arising from any contracts entered into between us, our matched Mortgage Loan Originators, and any affiliates or vendors.
  • To improve our platform and services.
  • For testing, research, analysis, and product development.
  • To help maintain and protect the rights, safety, security, and integrity of our platform and technology assets.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise permitted by law.

    • 4. Sharing of Personal Information

    Because Trust Home Loan is a Mortgage Matchmaker — not a shared lead distributor — your personal information is shared exclusively with the single licensed Mortgage Loan Originator matched to your inquiry. We do not distribute your information to multiple competing lenders or loan officers.

    We may also share your personal information in the following limited circumstances:

  • Service Providers — Third parties who assist us in operating our platform, conducting our business, or serving you, subject to confidentiality obligations.
  • Compliance and Consent Documentation — Third parties such as ActiveProspect that independently document your consent to be contacted.
  • Legal Requirements — As required by law, court order, or governmental regulations.
  • Business Transfers — In connection with a merger, acquisition, or sale of all or a portion of our assets.

    • We enter contracts with all third-party recipients of your personal information that describe the purpose of disclosure and require confidentiality.

    5. California Privacy Rights

    California residents have specific rights regarding their personal information under the California Consumer Privacy Act (CCPA) and other applicable laws. Please see our California Privacy Rights and Do Not Sell Notice for detailed information.

    6. Editing and Requesting Information

    To request a copy of the personal information we have collected about you, or to correct factual inaccuracies in that information, please send an email to: support@trusthomeloan.com.

    We may be required to retain your information by law or for legitimate business purposes, such as to prevent identity theft or other misconduct.

    7. Specific Industry Disclaimers

    We are not a lender, mortgage broker, debt service, debt settlement company, real estate company, insurance agent, or financial institution. This service is not, and is not intended to be, any type of application for any financial or insurance product. Trust Home Loan is a Mortgage Matchmaker that facilitates introductions between homebuyers and licensed Mortgage Loan Originators.

    8. Opt Out and Unsubscribe

  • If you would like to opt out of receiving SMS or email communications from us, you may follow the unsubscribe instructions in our messages or email us at: support@trusthomeloan.com. To opt out of communications from your matched Mortgage Loan Originator, please follow the instructions in that party's communications.
  • You may revoke consent at any time for any use of personal information collected under this Policy. To revoke consent, email us at support@trusthomeloan.com with "Revoke Personal Information" in the subject line.
  • Data collected may be shared with your matched Mortgage Loan Originator in real time. If you unsubscribe or revoke consent after your introduction has been made, we cannot retract your information from that party. We will remove your personal information from our internal programs and cease further communication from us.

    • 9. Storage and Security

    No security measures are perfect or 100% secure. We cannot guarantee the security of any information transmitted to or from our services. Please do not communicate sensitive information to us through unsecured channels.

  • We use commercially reasonable security measures to protect against the loss, misuse, and alteration of your information under our control. No data transmission over the Internet can be guaranteed to be 100% secure.
  • We utilize Secure Sockets Layer (SSL) encryption technology to transmit data between your browser and our web server.
  • We will store personal information only as long as our business needs require and will then destroy or render unreadable any such information upon disposal.
  • We contractually require that third parties handle your personal information with practices similar to our own. We cannot monitor these practices and are not responsible for third-party security or handling of personal information.

    • 10. Minors and Privacy

    No part of these services is designed to attract anyone under the age of 18. Children under the age of 18 may not use these services. We do not knowingly collect any information from individuals under the age of 18.

    If you are a parent or guardian and believe that your child under the age of 13 has provided personal information to us, you may contact us to request that this information be deleted: support@trusthomeloan.com.

    11. Changes to This Privacy Statement

    We may change this Privacy Statement at any time. When this policy has changed, we will revise the updated date at the top of this page. Changes are effective immediately when posted. We recommend users check this page regularly. Your continued use of the services after changes are posted constitutes your acceptance of the revised Privacy Statement.

    12. Contact Information

    For questions or comments regarding this Privacy Statement, or to report any abuse of personal information collected under this Privacy Statement, please contact us at:

    support@trusthomeloan.com

    THL Holdings LLC — Attention: Consumer Services

    [ADDRESS]