Privacy Policy

1. About This Policy

AXS Mortgage ("AXS Mortgage," "we," "us," or "our"), NMLS #2064422, is committed to protecting the privacy and security of your personal information. This Privacy Policy describes the types of information we collect from you, how we use and share that information, and your rights regarding your personal data.

This policy applies to information collected through our website (axsmortgage.com), by telephone, in person, and through any other means in connection with the mortgage products and services we offer.

2. Information We Collect

In the course of providing mortgage services, we may collect the following categories of personal information:

• Identity Information: Full name, date of birth, Social Security Number, and government-issued ID details.
• Contact Information: Home address, mailing address, email address, and phone numbers.
• Financial Information: Income, employment history, bank account information, asset statements, credit history, and tax records.
• Property Information: Property address, purchase price, estimated value, and details about the property being financed.
• Transaction Information: Details about your loan application, loan terms, payment history, and account activity.
• Website Usage Data: IP address, browser type, pages visited, referring URLs, and other technical information collected automatically when you use our website.
• Communications: Records of correspondence between you and our staff, including emails and phone call notes.

We collect this information directly from you, from consumer reporting agencies, from government agencies, and from third parties such as employers, accountants, real estate agents, and title companies involved in your transaction.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process and underwrite your mortgage loan application.
• To verify your identity and prevent fraud.
• To communicate with you about the status of your loan or account.
• To comply with federal and state legal and regulatory requirements, including those under the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and the Real Estate Settlement Procedures Act (RESPA).
• To service your loan after closing, if applicable.
• To improve our website and services.
• To send you information about our products and services that may be of interest to you (you may opt out at any time).

4. Sharing Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service Providers: We share information with third parties who perform services on our behalf, such as loan processing, credit reporting, title and escrow services, appraisal, and technology providers. These parties are contractually required to protect your information.
• Lenders and Investors: In connection with funding your mortgage, we may share your application and loan information with wholesale lenders, investors, or secondary market participants.
• Legal and Regulatory Requirements: We may disclose information as required by law, court order, or government regulation, or to protect the rights, property, or safety of AXS Mortgage, our clients, or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.
• With Your Consent: We may share your information for any other purpose with your explicit consent.

5. Gramm-Leach-Bliley Act (GLBA) Notice

As a financial institution, we are subject to the GLBA and its implementing privacy regulations. We limit the sharing of your nonpublic personal information with nonaffiliated third parties as described in this policy. You have the right to opt out of certain types of information sharing. To exercise your opt-out rights, please contact us at the information provided in Section 10.

6. Credit Information and the FCRA

With your authorization, we will obtain your credit report and other consumer report information in connection with your loan application. We comply fully with the Fair Credit Reporting Act. You have the right to know if information in your credit file has been used to take adverse action against you, and the right to dispute inaccurate information with the applicable consumer reporting agency.

7. Data Security

We maintain physical, electronic, and procedural safeguards designed to protect your personal information against unauthorized access, use, or disclosure. Access to sensitive information is restricted to employees and service providers who need it to perform their job functions. All employees are trained on privacy and data security practices.

While we take these precautions, no security system is impenetrable. We cannot guarantee the absolute security of information transmitted over the internet.

8. Cookies and Website Tracking

Our website may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand how visitors use our site. You can control cookie settings through your browser. Disabling cookies may affect some functionality of the website.

We may use third-party analytics services (such as Google Analytics) that collect usage data on our behalf. These services have their own privacy policies governing their use of data.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to complete your loan transaction, to service any ongoing loan, and to comply with applicable legal and regulatory record-keeping requirements. Mortgage loan records are generally retained for a minimum of seven (7) years as required by federal and Texas state law.

10. Your Rights and Choices

Depending on applicable law, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Opt-Out of Marketing: Opt out of receiving marketing communications from us at any time.
• GLBA Opt-Out: Opt out of certain sharing of your nonpublic personal information with nonaffiliated third parties for their marketing purposes.

To exercise any of these rights, please contact us using the information in Section 12.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will delete it promptly.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or want to report a potential privacy concern, please contact us:

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised effective date. If we make material changes, we will notify you by email or through a notice on our website. Your continued use of our services after any changes constitutes acceptance of the updated policy.