Privacy Notice

Effective Date: September 19, 2025

Welcome to APfinity. Your privacy is important to us. This Privacy Notice explains how we collect, use, share, retain, and protect your personal information when you interact with our websites, mobile applications, and services (collectively, the “System”).

1. Scope of This Notice

This Privacy Notice applies to individuals residing in the United States who access or use our System. If you are a customer, please refer to our separate GLBA Privacy Notice for information specific to financial data handling under the Gramm-Leach-Bliley Act.

2. Information We Collect

We may collect personal information through direct interactions, automated technologies, or third-party sources. This includes:

• Identifiers: Name, email address, phone number, mailing address
• Loan-related data: Application details, financial documents, credit information
• Device and usage data: IP address, browser type, pages visited, app usage
• Location data: GPS or browser-based location info (if enabled)

3. How We Use Your Information

We use your information to:

• Process loan applications and deliver mortgage services
• Communicate with you about your account, services, and promotions
• Improve our System and personalize your experience
• Comply with legal obligations and prevent fraud

4. Information Sharing

We may share your information:

• With affiliates and service providers for business operations
• With joint venture partners for co-branded services
• As required by law or to protect our rights

We do not sell your personal information to third parties for their own marketing purposes without your consent.

5. Data Retention

We retain personal information only as long as necessary to:

• Provide services and maintain your account
• Comply with legal, regulatory, and contractual obligations
• Resolve disputes and enforce agreements

When data is no longer needed, we securely delete or anonymize it in accordance with industry standards.

6. Your Privacy Rights

Depending on your state of residence, you may have rights to:

• Access the personal data we hold about you
• Request deletion of your data (subject to legal retention requirements)
• Opt out of certain data sharing practices

To exercise these rights, please contact us at [Insert Contact Info].

7. Security Measures

We implement administrative, technical, and physical safeguards aligned with NIST standards to protect your data. Our systems are regularly assessed and updated to address emerging threats.

8. Third-Party Links

Our System may contain links to third-party websites. We are not responsible for their privacy practices. Please review their policies before providing personal information.

9. Children’s Privacy

Our services are not intended for children under 13. We do not knowingly collect data from minors.

10. Changes to This Notice

We may update this Privacy Notice periodically. Changes will be posted on our website with the updated effective date.

By using our System, you acknowledge that you have read and understood this Privacy Notice.