Our Commitment to Your Privacy
Todd Uzzell Home Loans (NMLS #1525192) is committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website, apply for a mortgage, or use our services.
As a mortgage lender and broker, we are subject to federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA), where applicable.
Last Updated: January 1, 2025. We may update this policy periodically. Please review it regularly.
Information We Collect
Personal Information
When you apply for a mortgage or use our services, we may collect:
- Identification Information: Name, Social Security Number, date of birth, driver's license number
- Contact Information: Address, phone number, email address
- Employment Information: Current and previous employers, income, job title
- Financial Information: Bank account numbers, assets, debts, credit history, credit score, tax returns, pay stubs
- Property Information: Property address, purchase price, property value
- Transaction Information: Loan amount, loan type, down payment
Information Collected Automatically
When you visit our website, we automatically collect:
- Device Information: IP address, browser type, operating system
- Usage Information: Pages visited, time spent on pages, referring website
- Cookies and Similar Technologies: We use cookies to enhance your browsing experience and analyze website traffic
Information from Third Parties
We may obtain information from:
- Credit bureaus (Experian, TransUnion, Equifax)
- Employers and financial institutions
- Real estate agents and title companies
- Public records and government agencies
- Other third parties you authorize us to contact
How We Use Your Information
We use your information to:
- Process and underwrite your mortgage application
- Verify your identity, employment, and financial information
- Determine your eligibility for loan programs
- Communicate with you about your application and loan
- Comply with legal and regulatory requirements
- Prevent fraud and protect against unauthorized transactions
- Improve our services and website functionality
- Send you information about our services (with your consent)
- Respond to your questions and customer service requests
- Maintain records as required by law
How We Share Your Information
We may share your information with:
Service Providers and Business Partners
- Mortgage lenders and investors who may fund your loan
- Appraisers, title companies, and escrow companies
- Credit bureaus and verification services
- Technology service providers (website hosting, data storage)
- Professional advisors (attorneys, accountants)
Government Agencies and Regulators
We may share information with government agencies as required by law, including:
- Federal Housing Administration (FHA)
- Department of Veterans Affairs (VA)
- U.S. Department of Agriculture (USDA)
- Consumer Financial Protection Bureau (CFPB)
- State regulatory agencies
Other Parties with Your Consent
We may share your information with other parties when you authorize us to do so, such as:
- Real estate agents
- Co-borrowers or co-applicants
- Insurance providers
- Financial advisors
Important: We do not sell your personal information to third parties for marketing purposes. We only share information as necessary to process your loan application and comply with legal requirements.
How We Protect Your Information
We implement physical, electronic, and administrative safeguards to protect your information:
- Encryption: We use SSL/TLS encryption to protect data transmitted over the internet
- Secure Storage: Your information is stored on secure servers with restricted access
- Access Controls: Only authorized personnel have access to your information
- Employee Training: Our staff receives regular privacy and security training
- Monitoring: We monitor our systems for unauthorized access or security breaches
- Third-Party Standards: We require service providers to maintain appropriate security measures
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Security Reminder: Never send sensitive information (Social Security Numbers, account numbers, passwords) via unsecured email. Use our secure online portal or call us directly at 480-330-1724.
Your Rights and Choices
Access and Correction
You have the right to access and correct your personal information. Contact us to:
- Request a copy of the information we have about you
- Update or correct inaccurate information
- Request deletion of your information (subject to legal retention requirements)
Opt-Out Rights
You may opt out of:
- Marketing Communications: Unsubscribe from promotional emails by clicking the unsubscribe link or contacting us
- Information Sharing: You may limit some sharing with affiliates and non-affiliates (see GLBA Notice below)
- Cookies: Adjust your browser settings to refuse cookies (may affect website functionality)
California Residents
If you are a California resident, you may have additional rights under the CCPA, including:
- Right to know what personal information we collect and how we use it
- Right to request deletion of your personal information
- Right to opt-out of sale of personal information (we do not sell information)
- Right to non-discrimination for exercising your privacy rights
Federal Privacy Notice (Gramm-Leach-Bliley Act)
FACTS - What Does Todd Uzzell Home Loans Do With Your Personal Information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Credit history and credit scores
- Assets and employment information
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Todd Uzzell Home Loans chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Todd Uzzell Home Loans share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes | Yes | No |
| For our marketing purposes | Yes | Yes |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
To limit our sharing: Call us at 480-330-1724 or email [email protected] to opt out of marketing communications.
Cookies and Online Tracking
We use cookies and similar technologies on our website to:
- Remember your preferences and settings
- Analyze website traffic and user behavior
- Improve website performance and user experience
- Provide relevant content and advertisements
Types of Cookies We Use
- Essential Cookies: Required for website functionality
- Analytics Cookies: Help us understand how visitors use our website (Google Analytics)
- Marketing Cookies: Used to deliver relevant advertisements
You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.
Learn more about cookies and how to manage them at AllAboutCookies.org.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.
Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
Data Retention
We retain your personal information for as long as necessary to:
- Fulfill the purposes described in this Privacy Policy
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain business records
Federal regulations require mortgage lenders to retain loan records for a minimum of 3-5 years after loan closing or application withdrawal.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website with a new effective date. We encourage you to review this policy regularly.
Contact Us
If you have questions about this Privacy Policy or how we handle your personal information, please contact us:
Todd Uzzell Home Loans
NMLS #1525192
Phoenix, Arizona
Phone: 480-330-1724
Email: [email protected]
Website: arizonahomeloansusa.com
For general information about privacy and consumer rights, visit: