Privacy Policy

We collect the following categories of personal information:

• Identifiers: name, address, email, phone number, date of birth, Social Security number, driver's license number.
• Financial information: income, employment, assets, liabilities, bank account and asset statements, tax returns, and credit reports.
• Property information: address, value, occupancy, and transaction details for the property securing the loan.
• Internet and device data: IP address, browser type, pages visited, and cookie identifiers collected automatically when you use our website.
• Communications: records of calls, emails, chat messages, and documents you submit.

• Evaluate your eligibility and process your mortgage loan application.
• Shop your file to wholesale lenders to obtain loan offers on your behalf.
• Verify your identity and prevent fraud, money laundering, and other unlawful activity.
• Comply with federal and state laws including the Truth in Lending Act (TILA), RESPA, ECOA, HMDA, the SAFE Act, the Bank Secrecy Act, and OFAC requirements.
• Communicate with you about your application, our services, rates, and educational content.
• Improve our website, products, and customer experience.

We share personal information only as permitted by GLBA and other applicable law, including with:

• Wholesale lenders, investors, and warehouse lenders considering or funding your loan.
• Service providers performing functions on our behalf (credit bureaus, appraisers, title and escrow companies, document custodians, e-sign vendors, cloud hosting and analytics providers), bound by confidentiality obligations.
• Real estate agents, builders, financial planners, or other partners you have authorized to participate in your transaction.
• Government regulators, law enforcement, or other parties when required by law, subpoena, or to protect our legal rights.

We do not sell your personal information.

If we obtain a consumer report about you, you have the right to a free copy of the report from the credit reporting agency that provided it if we take any adverse action based on the report. You also have the right to dispute the accuracy or completeness of any information in a consumer report furnished by a consumer reporting agency.

If you are a California resident, you have the right to know what personal information we collect, request access or deletion, correct inaccurate information, and opt out of the "sale" or "sharing" of personal information (we do not sell or share personal information as defined under the CCPA). Most personal information collected in connection with a mortgage transaction is regulated by GLBA and exempt from CCPA, but other information collected through our website is covered. To exercise your rights, contact us at the address below.

Residents of Colorado, Connecticut, Virginia, Utah, Texas, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and opt out of certain processing of personal information. Contact us to exercise these rights.

We use cookies and similar technologies to operate the website, remember preferences, and measure performance. You can disable non-essential cookies through your browser settings. We do not respond to "Do Not Track" signals at this time.

We maintain administrative, technical, and physical safeguards designed to protect your nonpublic personal information consistent with the GLBA Safeguards Rule, including encryption in transit and at rest, access controls, and ongoing risk assessments.

We retain loan application records for at least 25 months after an adverse action and at least three years after loan closing, or longer where required by RESPA, ECOA, HMDA, or other applicable law.

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Material changes will be posted on this page.

8TWELVE MORTGAGE US INC. — NMLS #2797296
Email: privacy@8tmortgage.com
Equal Housing Opportunity. We arrange but do not make loans.