Privacy Policy
Protecting your private information is our priority. This Statement of Privacy applies to www.valamontemortgage.com and Valamonte Mortgage Team and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Valamonte Mortgage Team include www.valamontemortgage.com, the website, applications, and related services.
Valamonte Mortgage Team is a mortgage brokerage company that provides mortgage loan and financing services. By using our website, application, or services, you consent to the data practices described in this Privacy Policy.
COLLECTION OF YOUR PERSONAL INFORMATION
In order to better provide you with products and services offered by Valamonte Mortgage Team, we may collect personally identifiable information and other information, including but not limited to:
Information You Provide
We collect information that you provide when you use our services or otherwise communicate with us.
Identity Data, such as:
• Full name
• Date of birth
• Marital status
• Social Security Number
• Driver's license information
• Passport information
• Other government-issued identification information
Contact Data, such as:
• Email address
• Mailing address
• Telephone number
• Preferred contact methods
Financial Data, such as:
• Bank account information
• Income information
• Employment information
• Asset information
• Financial transaction history
• Credit history
• Tax information
• Credit scores
• Mortgage-related financial information
Profile Data, such as:
• Username and password
• Preferences and interests
• Feedback and survey responses
• Communication preferences
Additional Information You Provide, such as:
• Customer service inquiries
• Documentation submitted during the mortgage application process
• Survey responses
• Information submitted through forms, chats, emails, or other communications
We do not collect personal information unless you voluntarily provide it to us. However, certain services may require you to provide personal information, including when you:
• Register for an account
• Complete a mortgage application
• Request information or services
• Subscribe to communications
• Participate in promotions or surveys
• Contact us by email, phone, or online forms
• Submit payment information when applicable
We may use your information to communicate with you regarding requested services, loan applications, updates, and related products and services. We may also collect additional personal or non-personal information in the future as permitted by law.
USE OF YOUR PERSONAL INFORMATION
Valamonte Mortgage Team collects and uses your personal information to:
• Process mortgage applications and related services
• Verify your identity and eligibility
• Communicate with you regarding your account or application
• Provide customer support
• Improve our products and services
• Comply with legal and regulatory requirements
• Send important notices and updates
• Inform you of products, services, and opportunities offered by Valamonte Mortgage
Team and its affiliates
SHARING INFORMATION WITH THIRD PARTIES
Valamonte Mortgage Team does not sell, rent, or lease customer information to third parties.
We may share your information with trusted third-party service providers and business partners who assist us in:
• Mortgage processing and underwriting
• Credit reporting and verification
• Customer service
• Email communications
• Data analysis
• Document management
• Technology and hosting services
• Compliance and regulatory requirements
These third parties are prohibited from using your personal information except as necessary to provide services on our behalf and are required to maintain the confidentiality and security of your information.
We may also disclose your information when required by law or when we believe disclosure is necessary to:
• Comply with legal obligations or legal process
• Protect the rights, property, or safety of Valamonte Mortgage Team
• Prevent fraud or illegal activity
• Protect the safety of our customers or the public
RIGHT TO DELETION
Subject to certain legal and regulatory exceptions, upon receipt of a verifiable request, we will:
• Delete your personal information from our records; and
• Direct applicable service providers to delete your personal information from their records.
We may be unable to comply with deletion requests when retention of information is necessary to:
• Complete transactions requested by you
• Fulfill contractual obligations
• Comply with federal, state, or local laws
• Detect and prevent fraud or security incidents
• Exercise legal rights or defend legal claims
• Maintain records required by mortgage lending regulations
• Conduct lawful internal business operations
• Comply with regulatory audits and reporting requirements
CHILDREN UNDER THIRTEEN
Valamonte Mortgage Team does not knowingly collect personally identifiable information from children under the age of thirteen (13). If you are under thirteen years of age, you must obtain permission from a parent or legal guardian before using our services.
THIRD-PARTY ACCOUNT CONNECTIONS
You may have the ability to connect your Valamonte Mortgage Team account with third-party accounts or services.
By connecting your account with third-party services, you acknowledge and agree that information may be shared in accordance with your privacy settings on those third-party platforms.
If you do not wish to share information in this manner, do not connect third-party accounts.
You may disconnect third-party account connections at any time through your account settings or by contacting us.
SMS COMMUNICATIONS
By providing your phone number through our website forms and opting in to receive SMS communications, you consent to receive text messages from Valamonte Mortgage regarding mortgage inquiries, loan updates, appointment reminders, requested information, and customer support communications.
Message frequency may vary. Message and data rates may apply. You can reply STOP at any time to opt out of further text messaging communications. Reply HELP for assistance.
SMS consent is not shared with third parties or affiliates for marketing purposes.
Information collected through SMS communications may include your name, phone number, message content, and communication preferences. This information is used solely for providing mortgage-related services and customer support.
Valamonte Mortgage maintains appropriate administrative, technical, and physical safeguards to protect your personal information.
EMAIL COMMUNICATIONS
Valamonte Mortgage Team may contact you via email for:
• Application updates
• Loan status notifications
• Announcements
• Service communications
• Promotional offers
• Surveys and feedback requests
• Regulatory disclosures
To improve our services, we may receive information regarding whether emails have
been opened or links have been clicked.
You may opt out of receiving promotional emails at any time by clicking the unsubscribe link contained within such communications or by contacting us directly.
Please note that you may continue to receive transactional or service-related communications that are necessary for your account or mortgage application.
EXTERNAL DATA STORAGE
We may store your information on servers operated by third-party hosting providers and technology vendors with whom we maintain contractual relationships.
We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.
CALIFORNIA PRIVACY RIGHTS
If you are a California resident, you may have additional rights under applicable California privacy laws, including the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), subject to applicable exemptions for financial institutions and mortgage-related activities.
California residents may have the right to:
• Know what personal information we collect
• Request access to personal information
• Request correction of inaccurate information
• Request deletion of personal information, subject to legal exceptions
• Limit certain uses of personal information where applicable
To exercise your rights, please contact us using the information below.
CHANGES TO THIS PRIVACY POLICY
Valamonte Mortgage Team reserves the right to update this Privacy Policy from time to time.
We will notify users of material changes by:
• Sending notice to the primary email address associated with an account;
• Posting a prominent notice on our website; and/or
• Updating this Privacy Policy.
Your continued use of our website, application, or services following any changes constitutes acceptance of the revised Privacy Policy.
CONTACT INFORMATION
Valamonte Mortgage Team
655 Capitola Road, Suite 202
Santa Cruz, CA 95062
United States
Website:
Email:
Telephone:
+1 (831) 254-9787
If you have questions regarding this Privacy Policy or believe that Valamonte Mortgage Team has not adhered to this Privacy Policy, please contact us using the information above.