Privacy Policy

Unmo Mortgage LLC, including its affiliates, brands, websites, mobile applications, platforms, portals, and related services, collectively referred to as “Unmo,” “we,” “our,” or “us,” respects your privacy. This Privacy Policy explains how we collect, use, disclose, protect, and retain information when you visit our website, use our platform, apply for mortgage-related services, communicate with us, or otherwise interact with Unmo.This Privacy Policy applies to consumers, borrowers, prospective borrowers, real estate professionals, loan officers, referral partners, vendors, and other users of our services.By using our website, mobile application, platform, portals, forms, tools, calculators, communication channels, or services, you agree to the practices described in this Privacy Policy.1. Information We CollectWe may collect information directly from you, from third parties, from your devices, and from service providers or business partners.A. Personal InformationWe may collect personal information such as:Full nameEmail addressPhone numberMailing addressDate of birthSocial Security number or taxpayer identification numberGovernment-issued identification informationEmployment informationIncome informationAsset informationDebt and liability informationCredit-related informationProperty address and property detailsLoan purpose, loan amount, purchase price, refinance details, and mortgage preferencesMarital status, when required for mortgage-related purposesCitizenship, residency, or eligibility information, when applicableInformation included in documents you upload or provide to usB. Financial and Mortgage InformationBecause Unmo provides mortgage-related services, we may collect nonpublic personal information and financial information, including:Credit report informationCredit scores and credit attributesBank account informationIncome verification documentsTax returns, W-2s, 1099s, paystubs, bank statements, and asset statementsEmployment verification informationMortgage application dataUnderwriting conditionsLoan program eligibility informationPricing, rate, payment, and qualification informationDocumentation required by lenders, investors, vendors, or regulatorsC. Information From Third PartiesWe may receive information about you from third parties, including:Credit reporting agenciesMortgage lenders and investorsLoan officers, processors, underwriters, and mortgage partnersReal estate agents and referral partnersEmployers or verification providersBanking, payroll, income, asset, and identity verification providersPublic records and property databasesMarketing partners and lead providersFraud prevention and compliance vendorsAnalytics and advertising providersD. Device, Website, and Usage InformationWhen you use our website or platform, we may automatically collect:IP addressBrowser typeDevice typeOperating systemPages viewedTime spent on pagesReferring URLsClickstream dataCookies and tracking technologiesLocation information derived from IP address or device settingsApp activity and feature usageLog files and diagnostic dataE. Communications InformationWe may collect and retain communications with you, including:EmailsText messagesPhone callsChat messagesSupport requestsForm submissionsRecorded calls, where permitted by lawAppointment notes and communication history2. How We Use InformationWe may use your information to:Provide mortgage-related products, services, tools, and platform accessProcess mortgage applications, pre-approvals, loan scenarios, and related requestsVerify your identity, income, assets, employment, credit, and eligibilityMatch you with lenders, loan programs, mortgage products, or service providersCommunicate with you about your application, account, loan status, documents, conditions, or next stepsSend transactional messages, reminders, status updates, alerts, and platform notificationsProvide customer supportImprove our website, mobile application, platform, products, and user experiencePersonalize your experience and recommend relevant features, services, or informationConduct analytics, reporting, testing, and product developmentDetect, prevent, and investigate fraud, unauthorized activity, security incidents, or misuseComply with legal, regulatory, licensing, investor, underwriting, audit, and recordkeeping requirementsEnforce our agreements, terms, policies, and rightsSend marketing communications, where permitted by law and your preferences3. How We Share InformationWe may share your information as necessary to provide our services, operate our business, comply with law, and support mortgage-related transactions.A. Mortgage and Real Estate ParticipantsWe may share information with:Mortgage lendersLoan officersLoan processorsUnderwritersMortgage brokersInvestorsSettlement service providersTitle companiesAppraisal management companiesCredit reporting agenciesVerification providersInsurance providersReal estate agents, when you authorize or when necessary to support your transactionB. Service Providers and VendorsWe may share information with vendors that help us operate our business, including:Cloud hosting providersCRM and customer support systemsIdentity verification providersCredit and background verification providersData analytics providersDocument processing and e-signature vendorsPayment processorsMarketing and communication platformsSecurity, compliance, and fraud prevention providersSoftware development and technology vendorsThese vendors are expected to use information only to provide services to us or as otherwise permitted by law.C. Business PartnersWe may share information with business partners when necessary to deliver services you request, including lender marketplace services, realtor collaboration tools, mortgage comparison tools, or other Unmo platform features.D. Legal, Regulatory, and Compliance PurposesWe may disclose information to:Government agenciesRegulatorsCourtsLaw enforcementAuditorsLicensing authoritiesAttorneysCompliance consultantsOther parties when required or permitted by lawE. Business TransfersIf Unmo is involved in a merger, acquisition, sale, financing, reorganization, bankruptcy, transfer of assets, or similar business transaction, your information may be transferred as part of that transaction.4. Credit Reports and Mortgage EligibilityWhen permitted by law and with appropriate authorization, Unmo or its partners may obtain credit reports, credit scores, or related credit information to evaluate mortgage eligibility, pricing, pre-approval, loan options, underwriting, fraud prevention, or other mortgage-related purposes.Submitting information through Unmo does not guarantee loan approval, loan terms, interest rates, lender acceptance, underwriting approval, or closing. Final loan approval is subject to lender review, underwriting guidelines, investor requirements, credit approval, property review, income verification, asset verification, and applicable law.5. Text Messages, Calls, and Email CommunicationsBy providing your phone number or email address, you authorize Unmo and its service providers, partners, or representatives to contact you regarding your inquiry, account, application, mortgage options, real estate transaction, platform activity, or related services.Communications may include:Transactional messagesApplication updatesDocument remindersAppointment remindersLoan status notificationsMarketing messages, where permittedCalls, texts, emails, push notifications, or in-app messagesMessage and data rates may apply. Message frequency may vary.You may opt out of marketing text messages by replying STOP. You may request help by replying HELP. You may unsubscribe from marketing emails by using the unsubscribe link in the email. Opting out of marketing communications does not prevent us from sending transactional, servicing, legal, security, or application-related communications.The FCC has stated that certain calls or texts may require consent under TCPA rules, and businesses must honor reasonable revocation requests under applicable rules. 6. Cookies and Tracking TechnologiesWe may use cookies, pixels, tags, SDKs, local storage, and similar technologies to:Keep you logged inRemember preferencesMeasure website and app performanceUnderstand user activityImprove products and servicesDetect fraud and security risksDeliver or measure advertisingAnalyze marketing effectivenessYou may control cookies through your browser settings. Some features may not work properly if cookies are disabled.7. Analytics and AdvertisingWe may use analytics and advertising tools to understand how users interact with Unmo and to provide relevant content, offers, or advertisements. These tools may collect device identifiers, browsing activity, IP address, approximate location, and usage data.We do not sell nonpublic personal financial information in a manner prohibited by applicable financial privacy laws.8. How We Protect InformationWe use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction.These safeguards may include:Encryption where appropriateAccess controlsAuthentication toolsSecure data storageVendor risk managementMonitoring and loggingEmployee and contractor access limitationsSecurity testing and reviewIncident response proceduresNo system is completely secure. We cannot guarantee that unauthorized access, hacking, data loss, or misuse will never occur.9. Data RetentionWe retain information for as long as reasonably necessary to:Provide servicesProcess applicationsMaintain recordsComply with legal, licensing, audit, investor, regulatory, and contractual obligationsResolve disputesEnforce agreementsPrevent fraud or misuseMaintain business operationsMortgage and financial records may be retained for periods required by federal law, state law, lender requirements, investor requirements, licensing rules, and internal compliance policies.10. Your Privacy ChoicesDepending on your location and applicable law, you may have the right to:Request access to certain personal informationRequest correction of inaccurate informationRequest deletion of certain informationOpt out of certain marketing communicationsLimit certain sharing, where applicableWithdraw consent for certain communicationsRequest information about our privacy practicesSome requests may be limited by law, regulatory requirements, mortgage recordkeeping obligations, fraud prevention needs, contractual requirements, or our need to complete transactions you requested.To make a privacy request, contact us using the information listed below.11. Financial Privacy NoticeBecause Unmo may provide mortgage-related financial services, additional privacy notices may apply under the Gramm-Leach-Bliley Act, Regulation P, or other financial privacy laws.Where required, we may provide a separate financial privacy notice explaining:What nonpublic personal information we collectHow we share informationWhether you may opt out of certain sharingHow we protect your informationHow long our practices applyIf there is a conflict between this Privacy Policy and a specific financial privacy notice required by law, the required financial privacy notice will control for the information and relationship covered by that notice.12. State Privacy RightsResidents of certain states may have additional rights under applicable state privacy laws. These rights may include access, deletion, correction, portability, and opt-out rights.However, certain financial information collected in connection with mortgage products or services may be exempt from some state privacy laws when regulated by federal financial privacy laws such as the Gramm-Leach-Bliley Act.We will respond to verified privacy requests as required by applicable law.13. Children’s PrivacyUnmo’s services are intended for adults and are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected information from a child under 13, we will take appropriate steps to delete it.14. Third-Party Links and ServicesOur website or platform may link to third-party websites, lenders, vendors, real estate partners, service providers, integrations, or external tools. We are not responsible for the privacy practices, security, or content of third-party websites or services.You should review the privacy policies of any third-party services you use.15. Artificial Intelligence and Automated ToolsUnmo may use automated tools, artificial intelligence, data models, or decision-support systems to help analyze mortgage scenarios, organize documents, estimate eligibility, improve user experience, detect fraud, generate summaries, or support internal workflows.These tools are intended to assist with processing, analysis, and support. They do not replace final lender underwriting, regulatory requirements, investor guidelines, or human review where required.Final mortgage decisions may be made by licensed professionals, lenders, underwriters, investors, or other authorized parties, subject to applicable law.16. Do Not TrackSome browsers offer “Do Not Track” signals. Because there is no uniform industry standard for responding to these signals, we may not respond to them at this time.17. Updates to This Privacy PolicyWe may update this Privacy Policy from time to time. When we update it, we will revise the “Last Updated” date above. If changes are material, we may provide additional notice as required by law.Your continued use of Unmo after an updated Privacy Policy is posted means you accept the updated policy.

18. Contact UsFor privacy questions, requests, or concerns, contact us at:Unmo Mortgage LLC


For privacy requests, please include your name, contact information, the nature of your request, and any information needed to verify your identity.