ONLINE PRIVACY POLICY

Last Updated August 28, 2024

We value your privacy and ensuring we protect your information is fundamental to the way Vista Point Mortgage, LLC (“we,” “us,” or “our”) conducts business. This Privacy Policy explains how we may collect, use and disclose your personal information. This Site is not intended for children under 13 years of age. We do not knowingly solicit information online from or market online to children under 13 years of age.

Personal Information

In the course of offering you services or products, we may collect or receive information about you that constitutes personal information. Generally speaking, personal information is any information that can be used, directly or indirectly, to identify, locate or contact someone. Personal information can include names, physical addresses, mailing addresses, social security numbers, email addresses, phone numbers, bank account numbers and driver’s license numbers. Under certain circumstances, personal information may also include other information that can reasonably link to a particular person, such as internet protocol (IP) addresses, unique device identification numbers, employment information, medical information and internet activity.

How We Collect Personal Information

Typically, we receive personal information directly from you when you apply for a loan or inquire about our loan products or services, or from others during their performing a service to support your inquiry or loan. For example, you may provide personal information to allow us to contact you about a mortgage product, to provide information to you about your mortgage, or to discuss interest rates. We also collect personal information through services authorized by you. For example, we may access personal information while performing employment and income verifications when you apply for a loan. We also collect personal information through our websites (www.eqamortgage.com, www.brokersadvantagemortgage.com, and www.vistapointmortgage.com). For example, if you set up an account for customer portal access on our website, we may collect information, such as your name, email address, username and password, and we will receive any documents you submit through the customer portal. Also, if you contact us through our website, we will receive your name, email address and any comments included in your message. Our web servers may also collect information from visitors such as IP address, browser type and version, time zone setting, operating system and platform. Some web browsers allow the user to send “do-not-track” signals to websites, but our website does not respond to those signals.

Cookies We automatically

log certain information about visits to our websites using cookies, such as the number and frequency of visits, technical information about browsers and devices used to access our websites, and information about crashes or other technical issues. The cookies that log this information are necessary to allow our websites to function. We and third parties may automatically collect certain information through cookies about your activities over time across our websites as well as across third-party sites, apps, or other media. Cookies may be included in our web pages, mobile pages, emails, and other digital content. They may assign or collect unique cookie IDs or other identifiers associated with your browser or device. They may collect information while you are using our websites or while they are running in the background of your device. Cookies on our websites may be served directly by us (referred to as 'first-party cookies') or by others such as advertisers and data analytics companies (referred to as 'third-party cookies'). Cookies are browser- and device-specific and may endure for different periods of time. Some are deleted automatically once you close your browser or exit our websites. These are sometimes referred to as 'session cookies'. Other cookies are 'persistent cookies', meaning that they remain on your device after your browser is closed. Cookies help us, our service providers, and business partners provide and customize our websites. By continuing to use the site, you agree to the use of Cookies. Most browsers accept cookies by default. You may be able to change your settings to have your browser refuse certain cookies or notify you before accepting cookies. To do so, please follow the instructions provided by your browser which are usually located within the 'Help', 'Tools' or 'Edit' facility. Some third parties also provide the ability to refuse their cookies directly by clicking on an opt-out link and you should review the cookies policy of the relevant third-party to find out more about their cookies. If you have any questions about our use of cookies, please contact us as noted below.

How We Use Personal Information

We use personal information we collect from you to fulfill the purpose for which you provide it. For example, you may provide us with personal information for us to service your loan account or support your service needs. We may also use your personal information:

(1) to provide you with information, products, or services that you request from us;

(2) to provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you;

(3) to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;

(4) to improve our website and present its contents to you;

(5) for testing, research, analysis and product development; and

(6) for any other purpose with your consent.

Disclosure of Personal Information

We may disclose personal information we collect from you:

(1) to our subsidiaries and affiliates;

(2) to contractors, service providers, and other third parties we use to support our business;

(3) to fulfill the purpose for which you provide it;

(4) to a buyer or other successor in the event of a sale or transfer of some or all of our business or assets;

(5) for any other purpose disclosed by us when you provide the information;

(6) to comply with any court order, law or legal process, including responding to any government or regulatory request; (

7) to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;

(8) if we believe disclosure is necessary or appropriate to protect the rights, property or safety of us, our clients or others; or

(9) with your consent. We do not sell or otherwise share personal information with third parties for direct marketing purposes.

Third-Party Providers

Some applications and services embedded within, or linked from, our website, such as maps and social media platforms, are controlled by third-party providers. These third parties may use cookies, alone or in conjunction with other tracking technologies, to collect information about you when you use our website or navigate away from our website. These third parties may also have privacy policies that differ from ours. For example, they may collect personal information about your online activities over time and across different websites, and other online services, and may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties or their privacy practices and this Privacy Policy does not apply to any third-party website or service you may access through our website. If you have any questions about a third-party provider’s privacy policies or advertising, you should contact the responsible provider directly

Non-Personal Information

This Privacy Policy does not restrict our collection, use or disclosure of any aggregated information or information that does not identify, or cannot be reasonably linked to, any individual.