Privacy Policy

Privacy Policy
Effective Date: 02/18/2025

Choice Home Mortgage, a DBA of Montana Real Estate Inc. (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting it through this Privacy Policy. This document outlines how we collect, use, and safeguard your information when you visit our website, use our services, or interact with us in any manner.

Table of Contents

  1. WHAT INFORMATION DO WE COLLECT?
  2. HOW DO WE USE YOUR INFORMATION?
  3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
  4. WHO WILL YOUR INFORMATION BE SHARED WITH?
  5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
  6. DO WE USE GOOGLE MAPS PLATFORM APIS?
  7. HOW LONG DO WE KEEP YOUR INFORMATION?
  8. HOW DO WE KEEP YOUR INFORMATION SAFE?
  9. DO WE COLLECT INFORMATION FROM MINORS?
  10. WHAT ARE YOUR PRIVACY RIGHTS?
  11. CONTROLS FOR DO-NOT-TRACK FEATURES
  12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
  13. DO WE MAKE UPDATES TO THIS NOTICE?
  14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
  15. HOW CAN YOU REVIEW, UPDATE OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?

We collect several types of information from and about users of our website and services, including but not limited to:

  • Personal Identification Information: Name, email address, phone number, mailing address, date of birth, Social Security number, driver’s license, or other government-issued identification.
  • Financial Information: Income details, employment details, credit history, banking information, loan-related data, asset and liability details, and any financial documents necessary for mortgage services.
  • Technical Data: IP address, browser type, device type, operating system, referring URLs, interaction with the website, and online activity.
  • Usage Data: Pages visited, time spent on pages, links clicked, search history, and other interactions with our website and digital platforms.
  • Communication Data: Records of your correspondence with us, including emails, phone calls, or chat messages.
  • Third-Party Data: Information obtained from credit bureaus, lenders, public databases, or authorized third parties necessary to process financial transactions.

2. HOW DO WE USE YOUR INFORMATION?

We collect and use your information for the following purposes:

  • Processing Loan Applications: To assess eligibility, verify identity, and facilitate loan approvals and mortgage-related transactions.
  • Communication & Customer Support: To respond to inquiries, provide updates on applications, and offer customer service assistance.
  • Legal Compliance: To fulfill legal and regulatory obligations, including fraud prevention, anti-money laundering compliance, and identity verification.
  • Improving Services: To analyze trends, track website performance, personalize user experiences, and enhance marketing efforts.
  • Marketing & Promotions: To send promotional content, newsletters, or advertisements related to mortgage services, unless you opt out.
  • Security & Fraud Prevention: To monitor suspicious activity, detect security threats, and prevent fraudulent transactions.

3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?

We may process or share your data based on the following legal basis:

  • Consent: If you have given us specific consent to use your personal information for a specific purpose.
  • Legitimate Interests: When processing is necessary for our legitimate business interests.
  • Performance of a Contract: Where we have entered into a contract with you.
  • Legal Obligations: When required to comply with the law, legal requests, or regulatory obligations.
  • Vital Interests: To protect the safety of any person or prevent illegal activities.

4. WHO WILL YOUR INFORMATION BE SHARED WITH?

We only share and disclose your information with the following third parties:

  • Lenders & Financial Institutions: To process loan applications and determine eligibility for mortgage products.
  • Service Providers & Business Partners: Including but not limited to credit bureaus, title companies, appraisers, underwriters, attorneys, and escrow agents.
  • Regulatory Authorities & Law Enforcement: As required by law, court order, or regulatory compliance.
  • Marketing Partners: If you have consented to receive third-party offers or promotions.
  • Authorized Third Parties: Such as real estate agents or legal representatives involved in your transaction.

5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

Yes, we use cookies, tracking pixels, and similar technologies to enhance your experience. These tools help us:

  • Analyze website traffic and user behavior.
  • Personalize content and advertisements.
  • Improve site functionality. You can adjust your browser settings to block or delete cookies, though doing so may affect site performance.

6. DO WE USE GOOGLE MAPS PLATFORM APIS?

Yes, our website may utilize Google Maps Platform APIs. Use of these services is subject to Google’s Terms of Service and Privacy Policy.

7. HOW LONG DO WE KEEP YOUR INFORMATION?

We retain personal information as long as necessary for:

  • Legal and regulatory compliance.
  • Business operations, including record-keeping and fraud prevention.
  • Service fulfillment and contractual obligations. When data is no longer required, we securely dispose of it.

8. HOW DO WE KEEP YOUR INFORMATION SAFE?

We implement industry-standard security measures, including:

  • Encryption of sensitive information during transmission.
  • Secure storage practices to protect against unauthorized access.
  • Access controls and authentication measures to prevent unauthorized disclosure. Despite these safeguards, no method of electronic transmission is entirely secure. While we strive to protect your information, we cannot guarantee absolute security.

9. DO WE COLLECT INFORMATION FROM MINORS?

No, we do not knowingly collect or market to individuals under the age of 18.

10. WHAT ARE YOUR PRIVACY RIGHTS?

You have rights regarding your personal data, including:

  • Access & Correction: You may request access to or correction of your personal information.
  • Opt-Out of Marketing: You can unsubscribe from marketing emails and promotional messages at any time.
  • Restrict Processing: Under certain conditions, you may request to limit the use of your data.
  • Data Deletion: Subject to legal and business obligations, you may request the deletion of your personal information. To exercise these rights, please contact us at Esther@choicehm.com.

11-15. OTHER LEGAL RIGHTS & CONTACT INFORMATION

For details on California residents’ rights, Do-Not-Track features, and how to review, update, or delete your data, please contact us:

Choice Home Mortgage, a DBA of Montana Real Estate Inc.
PO Box 3606, Newport Beach, CA 92659
Email: Esther@choicehm.com
Phone:  949-522-7310

By using our services, you acknowledge that you have read and understood this Privacy Policy.