Privacy Policy

This Privacy Policy describes how Summit Crest Mortgage, LLC ("Summit Crest," "we," "us," or "our") collects, uses, shares, and protects information about you when you visit our website, contact us, or apply for a mortgage loan. By using our services, you agree to the practices described in this policy.

Information We Collect

Mortgage Application & Financial Information

When you apply for a loan or request a rate quote, we collect information necessary to process and underwrite your application, including:

• Full legal name, date of birth, and Social Security number
• Current and prior residential addresses
• Employment history, employer name, and income details
• Asset and liability information (bank accounts, investments, existing debts)
• Credit history and credit score (obtained via consumer reporting agencies)
• Property address and estimated value
• Purpose of the loan and requested loan amount
• Government-issued identification documents

Contact & Communication Information

When you contact us by phone, email, or through our website forms, we collect your name, email address, phone number, and the contents of your message.

Usage & Technical Information

When you visit our website, we automatically collect certain technical information, including your IP address, browser type and version, operating system, referring URL, pages visited, time spent on pages, and other clickstream data. We use cookies and similar tracking technologies as described in the Cookies section below.

How We Use Your Information

We use the information we collect to:

• Process, underwrite, and fund mortgage loan applications
• Verify your identity and prevent fraud
• Communicate with you about your loan application and account
• Pull credit reports and order property appraisals
• Comply with federal and state legal obligations
• Provide customer service and respond to your inquiries
• Send you marketing communications about products and services (you may opt out at any time)
• Improve our website, products, and services through analytics
• Detect, investigate, and prevent fraudulent or illegal activity

Gramm-Leach-Bliley Act (GLBA) — Financial Privacy Notice

As a mortgage lender, Summit Crest Mortgage, LLC is subject to the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations. We are required to provide you with a separate annual Privacy Notice describing our practices with respect to sharing your nonpublic personal information. That notice will be provided to you at the time of loan application or account opening and on an annual basis thereafter as required by law.

In accordance with GLBA, you have the right to opt out of certain sharing of your nonpublic personal information with non-affiliated third parties. Instructions for opting out will be included in the GLBA Privacy Notice provided to you separately.

Cookies & Analytics

Our website uses cookies and similar technologies (web beacons, pixel tags) to enhance your browsing experience, analyze site traffic, and support marketing activities.

• Essential cookies: Required for the site to function correctly (e.g., session management).
• Analytics cookies: We use tools such as Google Analytics to understand how visitors use our site. This data is aggregated and does not identify you personally.
• Marketing cookies: We may use retargeting pixels to display relevant advertisements on third-party platforms.

You can control cookie preferences through your browser settings. Disabling certain cookies may limit the functionality of our website. We honor browser "Do Not Track" signals where technically feasible.

How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service providers: We engage vetted third-party vendors (e.g., credit bureaus, appraisal management companies, title companies, document preparation services, and loan origination software providers) who process data on our behalf under contractual confidentiality obligations.
• Secondary market: If your loan is sold or transferred to an investor or servicer, we will share the necessary loan file information with that party as permitted and required by law and your loan agreement.
• Legal compliance: We may disclose information when required by law, court order, subpoena, regulatory request, or to protect the rights, property, or safety of Summit Crest, our clients, or the public.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.
• With your consent: We may share your information for any other purpose with your explicit consent.

Security

We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (TLS/SSL), access controls, and regular security assessments. However, no method of transmission over the internet or electronic storage is 100% secure. If you believe your information has been compromised, please contact us immediately.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy and to comply with applicable legal, regulatory, and business requirements. Mortgage loan records are typically retained for a minimum of seven years following loan closing or application disposition, as required by federal law.

Your Rights & Choices

Depending on your state of residence, you may have certain rights with respect to your personal information, including:

• The right to access the personal information we hold about you
• The right to correct inaccurate personal information
• The right to request deletion of your personal information (subject to legal retention obligations)
• The right to opt out of marketing communications at any time
• The right to file a complaint with your state's data protection authority

California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). To exercise your rights, please contact us using the information below.

Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child under 13, we will delete it promptly.

Links to Third-Party Sites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the revised policy on this page with an updated "Last updated" date. Your continued use of our services after any changes constitutes your acceptance of the revised policy.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

• Email: hello@summitcrestmortgage.com
• Phone: (512) 555-0142
• Mail: Summit Crest Mortgage, LLC, 600 Congress Ave, Suite 1400, Austin, TX 78701