Qual-Cap Privacy Policy

At Qual-Cap, your trust and privacy are our top priorities. This Privacy Policy explains how we collect, use, share, and protect your personal information in compliance with state and federal regulations, including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other applicable privacy laws.

1. Information We Collect

We collect personal information necessary to provide mortgage-related services, including:

• Personal Identifiers: Name, address, email, phone number, Social Security Number (SSN), date of birth, and government-issued identification.
• Financial Information: Income, credit score, employment details, banking information, assets, and liabilities.
• Property Information: Details about the property you are purchasing or refinancing.
• Technical Data: IP address, browser type, and website usage if you interact with our online tools.
• Communications: Records of phone, email, and text interactions with our team.

2. How We Use Your Information

We use your personal information to:

• Process and evaluate mortgage applications.
• Provide pre-approvals, loan quotes, and financing solutions.
• Communicate updates during the loan process and respond to inquiries.
• Meet legal and regulatory requirements.
• Prevent fraud and ensure security.
• Improve our services through internal analytics.

3. How We Share Your Information

We do not sell your personal information. However, we may share it with:

• Lenders, Credit Bureaus, and Underwriters: To process loan applications.
• Title and Escrow Companies: To facilitate real estate transactions.
• Third-Party Service Providers: For services such as document verification, appraisals, and compliance audits.
• Legal or Regulatory Bodies: When required by law, such as for audits or  fraud investigations.

All third-party service providers are required to maintain the confidentiality of your information and only use it for the purpose intended.

4. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: You can request a copy of the personal information we hold about you.
• Correction: You can ask us to update or correct inaccurate information.
• Deletion: You may request that we delete certain information, subject to legal obligations.
• Data Portability: You can request a copy of your information in a transferable format.
• Opt-Out of Marketing Communications: You can opt out of receiving promotional messages by following the unsubscribe link or contacting us directly.

To exercise these rights, please contact us at info@qual-cap.com.

5. How We Protect Your Information

We use industry-standard security measures, including encryption, firewalls, and access controls, to protect your personal information. Only authorized personnel have access to your data, and we continuously monitor for potential security risks.

6. Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and comply with legal and regulatory requirements.

7. Cookies and Online Tracking

We may use cookies and similar technologies on our website to improve functionality and analyze site usage. You can manage cookie preferences through your browser settings.

8. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with a revised effective date. We encourage you to review the policy periodically.

10. Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:

Qual-Cap
Phone: 650.273.0947
Email: info@qual-cap.com

Website: www.qual-cap.com