Privacy Policy

Privacy Notice Last updated April 1, 2025 

This Privacy Notice describes the privacy practices of Flexible Mortgage Solutions (“Flexible Mortgage”, “Our”, “Us” or “We”). We are committed to maintaining the privacy and confidentiality of your personal information. This Privacy Notice describes how we collect personal information from you, what personal information we collect about you on our websites and mobile application and how we disclose, use, share and protect your personal information. Please read this Privacy Notice carefully. This Privacy Notice governs how information is collected by and through the Flexible Mortgage Solutions website (collectively referred to as “the Site”) and how that information may be used and shared. By accessing or using this Site, you agree to the collection, use and disclosure of information in accordance with this Privacy Notice. How we collect information about you? • We collect information about you that you provide to us directly through the course of providing mortgage and loan origination services and through your use of the Site. For example, we collect information when you: • apply for a mortgage loan, • request assistance, • request information about a product or service we offer, • when you otherwise communicate with Us. • Occasionally we gather additional necessary information from public records, credit bureaus, or third parties. We may also collect personal information about you from the following categories of sources: • advertising networks, • internet service providers, • data analytics providers, • government entities, • operating systems and platforms, • social networks, and • data brokers. • We also may collect information about you through your computer or mobile device by the use of cookies and similar tracking technologies. What information do we collect? We collect both personal information and non-personally identifiable information. This includes, but is not limited to, the following: • Contact Information such as first and last name, mailing and/or property address, phone number and email address. • Personal Information which may include: Social Security number, account log-in, driver’s license, state identification card, or passport number, credit card number, and geolocation data. • Mortgage Application Information such as credit and financial information (e.g., income, assets), home ownership status, professional, educational and employment related information, age, location and approximate value of your property, records of loan products or services purchased, obtained, or considered and insurance information. • Communications Data like audio (e.g., call recordings), electronic (e.g., online chat messages), visual, or similar information. • Demographic information pursuant to Federal law. How do we use the information we collect? We use personally and non- personally identifiable information that we collect from you to: • Deliver products and services to you, including maintaining or servicing your account, processing transactions, verifying customer information, processing payments and providing financing. • Responding to your inquiries, requests, or other service-related purposes. • Communicate with you to administer the Site, including notifying you about any updates, changes, or additions to this Privacy Notice. • Provide you with information about products or services that we think may be of interest to you. • Comply with legal and regulatory obligations and conduct any other legitimate business activities not otherwise prohibited by law. We may also use your information for business purposes such as: • Monitor and analyze trends, usage and activities in connection with your use of the Site. • Help ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for these purposes. • Provide, maintain and develop new products, services and features, and to identify and repair any errors that impair existing intended functionality. • Detect and prevent fraud, identity theft and other risks to you or Us. • Offering products and services that may be of interest to you. How do we share your information? We may share the information we collect about you with affiliates and non-affiliated third parties in the following situations: • Service Providers — other companies that perform functions on our behalf. • Government entities and others for legal or necessary purposes — • to protect or enforce our rights or property; • to protect your safety or the safety of others; • to investigate, prevent, or take action against fraud or other illegal activities; • in response to a legal process or as otherwise required by law; or in the event Flexible Mortgage Solutions and/or its affiliates experiences a business transition or conducts a corporate transaction requiring due diligence, such as a merger, capital investment, acquisition by another company or sale of all or a portion of its assets. • Contact credit reporting agencies (commonly known as “Credit Bureaus”) such as Experian, Transunion, Equifax, etc. to furnish information about your account or learn about your financial history and for other lawful purposes. • To conduct any other legitimate business activities not otherwise prohibited by law with advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers. • We retain all information in-house except when required to disclose it to our business partners when necessary for lending and/or servicing purposes. Such partners include title and escrow companies and appraisal services. • We do not share data obtained for the purposes of two-factor authentication. Retention of Personal Information We retain information we collect as described in this Privacy Notice in accordance with applicable law to fulfill the purpose(s) for which it was collected, provide our services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, or to otherwise carry out our legal obligations. Web Technologies Flexible Mortgage Solutions uses a variety of online tracking technologies to collect information when you visit or use our website to improve your experience. These tools include: • Cookies - small text files that websites store on your computer. They are managed by your particular web browser and are typically used to store bits of text. Cookies help us to personalize your experience with our Site and improve your navigation within the Site. Cookies help you save time if you visit the Site again. For example, if specific programs associated with our Site require a user ID and password, you have the option of requesting that we save that information so that you will not have to re-enter it the next time you access the Site. You can disallow cookies or prevent them from being set by making the appropriate selection from your browser options. Website Usage When you browse or visit our Site, we may collect information about your use which could include your browser type and language, access times, and the address of the Site from which you arrived. We may also collect information about your Internet Protocol (IP) address, click stream behavior, etc. The information we collect may be used to analyze user behavior and trends; identify usability issues and areas for improvement; enhance the functionality and user-friendliness of our Site; evaluate the effectiveness of our content and features or collect information about your online activities through our Site. By continuing to browse on our Site, you are consenting to the use of cookies for personalization and advertising purposes. You may choose to disallow cookies through your website browser. Linking to other sites The Site may contain links to third-party websites. Flexible Mortgage Solutions disclaims liability for any information, materials, products or services posted or offered at any of the third-party websites linked on the site. By creating a link to a third-party website, Flexible Mortgage Solutions does not endorse or recommend any products or services offered or information contained at the website, nor are we liable for any failure of products or services offered or advertised at those websites. If you follow links to third-party sites, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site. If you decide to visit a third-party website via a link contained on Flexible Mortgage’s Site, you do so at your risk.