Privacy Policy

Introduction

At Phoenix Lending Group LLC., we prioritize your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, and safeguard your data when you interact with our website, products, and services.  Please review the following Statement carefully, so that you understand our privacy practices.  By using this site, you signify your acceptance of this policy.  If you do not agree to this policy, please do not use our Site.  Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

1. Information We Collect

We may collect various types of information from you, including:

• • Personal Information: Information that identifies you as an individual, such as your name, email address, phone number, home address, Social Security number, birth date, employment history, veteran status, certain health related data, passport information/photographs, demographic information, and financial information. This information is generally collected when you submit a form on our website, apply for a mortgage, or contact us directly.
  • Financial Information: This includes the requested loan amount, purpose for loan, home price, down payment, loan term, interest rate, employer name and type, length of time with current employer, housing type, monthly housing payment.  This information is collected when you provide it directly through the mortgage application process.
  • Usage Data: Non-identifiable information, such as your IP address, browser type, the pages you visit on our website, and the time and date of your visit. This information helps us understand how visitors use our website and enhance our online services.

2. How We Use Your Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.  All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We use the information collected for the following purposes:

• • To Process Mortgage Applications: Personal information may be used to assess your eligibility for mortgage products, process your application, and communicate with you about your application status.
  • To Improve Our Services: Usage data helps us analyze website performance, customize your online experience, and improve our services.
  • To Communicate with You: We may use your contact information to send you important updates, promotional information, or industry news, if you have opted to receive such communications.  In addition, we may use your information to run a promotion, contest, survey, or other Site feature.
  • For Legal Compliance: We may use your information to comply with legal requirements, including regulatory requirements and court orders.
  • To Improve Customer Service and Personalize User Experience: Information you provide helps us respond to your customer service requests and support needs more efficiently.  This may also include sending Users information they agreed to receive about topics we think will be of interest to them.

3. How Users Consent to Messaging

• • The User fills out a form on the Site where they can consent to receive notification messages from our company. There is also a box they can check to receive product updates and/or marketing messages.  The messaging disclosure is displayed to users by this form.
  • By submitting your phone number, you are authorizing Phoenix Lending Group to send you text messages and notifications. Message frequence may vary.  Message/data rates apply.  Reply STOP to unsubscribe from SMS communications from Phoenix Lending Group LLC.

4. Information Sharing and Disclosure

We respect your privacy and do not sell or lease your personal information. We may share your information only in the following situations:

• • With Third-Party Service Providers: We may share information with trusted third parties who assist us in operating our website, conducting our business, or serving you (e.g., credit reporting agencies, payment processors, or IT service providers), so long as these parties agree to keep this information confidential.  We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
  • For Legal Reasons: We may disclose your information if required by law, or if we believe disclosure is necessary to protect our rights, comply with legal processes, or safeguard others’ rights, property, or safety.

5. Data Security

We implement various security measures to protect your information from unauthorized access, disclosure, or alteration. However, please be aware that no data transmission over the internet or method of storage is completely secure. We strive to use commercially acceptable means to protect your personal information, but we cannot guarantee its absolute security.

6. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar tracking technologies to enhance your experience. Cookies are small files stored on your device that help us recognize you, track usage, and remember your preferences. You may choose to disable cookies in your browser settings, though this may impact certain features of our website.

7. Third-Party Links

Our website may contain links to third-party sites. We do not control and are not responsible for the content or privacy practices of these sites. We encourage you to review their privacy policies before providing any personal information.

8. Your Choices and Rights

• • Access and Correction: You have the right to request access to the personal information we hold about you and to correct or update it if it is inaccurate or outdated.
  • Opt-Out of Marketing Communications: You may choose to stop receiving marketing emails from us by following the unsubscribe instructions in any email you receive, or by contacting us directly.
  • Data Deletion: In certain situations, you may request that we delete your personal information, subject to applicable legal and regulatory retention requirements.

9. Compliance with children's online privacy protection act: Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we know are under the age of 18, and no part of our website is structured to attract anyone under 18. If you believe that we may have information from or about a child under 18, please contact us immediately using the information provided in the "Contact Us" section below.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

Phoenix Lending Group, LLC
5635 E Thomas Rd. Ste. 13

Phoenix, AZ. 85018
tom@phoenixlending.com

(602)-791-5861

Last Updated: 11/12/2024