Privacy Policy

Privacy Policy

Privacy Policy for Summit Home Loans

Effective Date: 8/22/23

At Summit Home Loans, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our website and services. This policy applies to individuals who visit our website and customers who apply for and obtain mortgage loans through our services. By accessing our website and using our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect:

We may collect the following categories of personal information when you visit our website or use our services:

• Personal Identifiers: Name, address, email address, phone number, Social Security number, and other identifying information.
• Financial Information: Income, credit score, employment history, and other financial details necessary for mortgage loan processing.
• Online Activity: Information about your interactions with our website, such as pages visited, links clicked, and the referring website.
• Geolocation Information: General location information based on your IP address.
• Device Information: Device type, operating system, browser type, and similar technical information.

 

2. How We Use Your Information:

We use the collected information for the following purposes:

• Processing and managing mortgage loan applications and services.
• Verifying your identity and assessing your eligibility for mortgage products.
• Responding to inquiries and providing customer support.
• Improving our website, services, and user experience.
• Sending you relevant communications, including updates and promotional materials.
• Complying with legal obligations and regulations.

 

3. Information Sharing:

We may share your personal information with the following entities:

• Service Providers: Third-party partners who assist in processing mortgage applications, credit checks, and other essential services.
• Affiliates: Companies within our corporate family for business and operational purposes.
• Government and Regulatory Authorities: When required by law, legal process, or in response to a government request.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our assets.

 

4. Your Choices:

You can manage your communication preferences by opting out of marketing emails through the provided unsubscribe link. You may also have rights to access, correct, or delete your personal information, subject to legal limitations.

5. Security:

We employ appropriate security measures to safeguard your personal information from unauthorized access, alteration, disclosure, or destruction. However, no data transmission over the internet can be guaranteed to be 100% secure.

6. Do Not Track:

Our website does not currently respond to “Do Not Track” signals from browsers.

7. California Residents:

California residents have specific privacy rights, including the right to request information about the categories of personal information collected and shared. For more information about your rights and how to exercise them, please refer to our separate “California Privacy Notice”provided below.

8. Changes to this Privacy Policy:

We reserve the right to update this Privacy Policy as necessary to reflect changes in our practices and services. We will notify you of any material changes through our website or other means.

9. Contact Us:

If you have any questions, concerns, or requests related to your personal information or this Privacy Policy, please contact us at:

Summit Home Loans

Address: 375 N Main St #201, Kaysville, UT 84037

Phone: 801-855-8535

Email: Myloanteam@summithomeloans.com

10. Language:

This Privacy Policy is written in English. If there is any inconsistency between the English version and any translated version, the English version shall prevail.

By using our website and services, you acknowledge that you have read, understood, and agree to this Privacy Policy.

California Privacy Notice for Summit Home Loans

Effective Date: 8/22/23

This California Privacy Notice (the “Notice”) is provided by Summit Home Loans (“we,” “us,” or “our”) and applies to California residents. It outlines our practices regarding the collection, use, disclosure, and rights of California residents concerning their personal information. This Notice supplements our Privacy Policy.

1. Categories of Personal Information Collected:

We collect the following categories of personal information from California residents:

• Personal Identifiers (e.g., name, address, email, phone number)
• Financial Information (e.g., income, credit score)
• Online Activity (e.g., website interactions)
• Geolocation Information (e.g., general location based on IP address)
• Device Information (e.g., device type, operating system)


2. Purposes of Collecting Personal Information:

We collect personal information for the following purposes:

• Processing mortgage loan applications and providing related services
• Verifying identity and assessing eligibility for mortgage products
• Responding to inquiries and providing customer support
• Improving website, services, and user experience
• Sending communications, updates, and promotional materials
• Complying with legal obligations and regulations


3. Disclosure of Personal Information:

We may share your personal information with the following categories of entities:

• Service Providers: Third-party partners assisting in mortgage processing and related services
• Affiliates: Companies within our corporate family for business and operational purposes
• Government and Regulatory Authorities: When required by law or legal process
• Business Transfers: In the event of a merger, acquisition, or asset sale


4. Your California Privacy Rights:

As a California resident, you have the following rights:

• Right to Know: You have the right to request the categories and specific pieces of personal information we have collected about you in the last 12 months.
• Right to Delete: You have the right to request the deletion of your personal information, subject to legal exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale of your personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.


5. Exercising Your Rights:

To exercise your rights, you may submit a verifiable request by contacting us using the information provided below. We will respond to your request within the timeframes required by law.

6. Contact Information:

For questions, concerns, or to exercise your rights under this Notice, please contact us at:

Summit Home Loans

Address: 375 Main St, #201 Kaysville, UT 84037

Phone: 801-855-8535

Email: Myloanteam@summithomeloans.com

Please note that we may need to verify your identity before fulfilling your requests. Additionally, certain personal information is exempt from these rights under applicable law.

7. Changes to this Notice:

We reserve the right to update this Notice as needed to reflect changes in our practices and services. We will notify you of any material changes through our website or other means.

8. Language:

This California Privacy Notice is written in English. If there is any inconsistency between the English version and any translated version, the English version shall prevail.

By using our services, you acknowledge that you have read, understood, and agree to the practices described in this California Privacy Notice and our Privacy Policy.