Privacy Policy

At 1st Alliance Mortgage, LLC, your privacy is important to us. We are committed to protecting your personal information and using it responsibly. This Privacy Policy explains how we collect, use, share, and safeguard your information when you interact with our website and related services (“Service”).

By using our website or submitting information to us, you agree to the terms outlined in this Privacy Policy. •

Information We Collect

Personal Information

We collect personal information that is necessary to process a mortgage application, evaluate creditworthiness, and provide required disclosures. This includes information you provide directly and information obtained from third-party sources.

Categories of information we may collect include:

• Name, address, email address, phone number

• Social Security number and date of birth

• Income, employment, and asset information

• Bank statements and tax returns

• Credit history and credit report information

• Property address and loan request details

• Information from title companies, insurance providers, and appraisal vendors

• Information about your transactions with us or our partners

• Device, browser, and site usage data collected automatically when you visit our website

We do not knowingly collect information from children under the age of 13.

Usage Information

We use your personal information to:

• Process and underwrite your mortgage application

• Verify identity, employment, income, and assets

• Obtain credit reports and credit scores

• Provide loan estimates, disclosures, and required documents

• Communicate with you regarding your loan

• Coordinate services with appraisers, title companies, and insurance providers

• Sell or transfer closed loans to investors or servicers

• Comply with federal and Texas regulatory requirements

• Improve website performance, security, and customer experience

• Conduct internal analysis, audits, and quality control

We may also use certain information for permitted marketing activities, such as contacting you about loan programs or services you may qualify for. You may opt out of marketing communications at any time.

How We Use Your Information

We do not sell your personal information.

We may share your information with the following categories of third parties, only as permitted or required by law:

• Credit reporting agencies

• Appraisal management companies

• Title and escrow companies

• Flood certification and verification vendors

• Mortgage insurers, investors, and loan servicers

• Federal or state regulators

• Fraud prevention and identity verification services

• Software and technology providers (including LOS/POS vendors such as Arive, credit vendors, document providers, and website hosting services)

• Auditors, legal advisors, and compliance consultants

• Government agencies as required for FHA, VA, USDA, or other loan programs• Communicate with you regarding your account or loan process

We do not share your information with non-affiliated companies for their own marketing purposes.

Your Rights Under FCRA

Because we obtain and use your credit information, the Fair Credit Reporting Act (FCRA) provides you with rights, including:

• The right to request a copy of your credit report

• The right to dispute inaccurate information

• The right to be notified if information is used to deny credit or increase loan pricing

• The right to place fraud alerts or security freezes• Share important service-related notifications.

If you believe information on your credit report is inaccurate, please contact the credit bureau directly.

Cookies and Website Tracking

Our website may automatically collect non-personal information such as:

• IP address

• Browser type and device identifiers

• Pages visited and time spent on our website

• Referring links and site interaction data

We may use cookies, analytics tools, tracking pixels, and similar technologies to:

• Improve site performance

• Personalize content

• Detect security issues

• Evaluate marketing effectiveness

You may disable cookies in your browser settings; however, some website features may not function properly.

Security

We maintain administrative, technical, and physical safeguards to protect your personal information, including:

• Encryption of data in transit when applicable

• Secure document upload systems

• Access controls for employees and vendors

• Regular security audits and monitoring

• Vendor oversight to ensure compliance with GLBA and information security standards

While we use commercially reasonable efforts to protect your data, no method of transmission or electronic storage is completely secure.

Information Retention

We retain information as required by federal and Texas law, generally for a minimum of the period required for mortgage recordkeeping, quality control, audit, and regulatory compliance. When information is no longer needed, we dispose of it securely.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page and will take effect immediately. We encourage you to review this page periodically.

Contact Us

If you have questions about this Privacy Policy, need to request information, or wish to opt out of marketing communications, please contact us.

1st Alliance Mortgage, LLC

Licensed by the Texas Department of Savings and Mortgage Lending

Website: www.1stalliancemortgage.com

Email: (add your preferred compliance email)

Phone: (your main office number)

If you require this policy in an alternative format for accessibility purposes, please let us know.

What does 1st Alliance Mortgage LLC do with your personal information?