Website Privacy Policy

1. Who We Are & Scope

Home Access Financial, LLC ("Home Access Financial," "HAF," "we," "us," or "our") is a mortgage lender, NMLS #1516011, headquartered in Tampa, Florida. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit homeaccessfinancial.com and related websites, landing pages, and online forms we operate (the "Site").

2. Information We Collect

Information you provide

• Contact details: name, email, phone number, mailing address.
• Loan and financial details: property information, loan amount, income, employment, assets, and credit-related information you submit in forms or applications.
• Sensitive information: when you apply for a loan, Social Security number, date of birth, and government ID, as required to process your application.
• Communications: messages, chat conversations, call recordings (with notice), and survey or webinar registrations.

Information collected automatically

• IP address, browser and device type, operating system, pages viewed, referring URLs, and time spent on the Site.
• General location derived from your IP address.
• Information collected by cookies, pixels, and similar technologies (see Section 6).
• Form interaction records used to document your consent to be contacted.

Information from other sources

• Consumer reporting agencies (with your authorization when you apply).
• Real estate professionals, referral partners, and lead providers you have authorized to share your information.
• Social media platforms when you submit a lead form or interact with our ads or pages.
• Public records and identity verification services.

3. How We Use Information

• Respond to inquiries and connect you with a licensed loan officer.
• Process, underwrite, close, and service mortgage loans.
• Verify your identity and prevent fraud.
• Send updates, rate information, and marketing you have agreed to receive.
• Operate, analyze, and improve the Site and our services.
• Comply with federal and state laws, regulatory exams, and legal requests.

4. How We Share Information

We do not sell your personal information. We share it only as described below:

• Service providers who help us operate our business (CRM, website hosting, loan origination software, credit reporting, appraisal, title, settlement, and IT services). They may use your information only to perform services for us.
• Loan investors, servicers, and government agencies (such as Fannie Mae, Freddie Mac, FHA, VA, and USDA) as needed to fund, sell, insure, or service your loan.
• Real estate professionals involved in your transaction, with your permission.
• Legal and regulatory recipients, when required by law, subpoena, or regulator, or to protect our rights and prevent fraud.
• Business transfers, such as a merger, acquisition, or sale of assets, subject to this Policy.

5. Text Messages & Phone Calls

If you provide your phone number and consent, we may contact you by call or text — including by automated technology — about your inquiry, application, or loan, and, if you agreed, about products and offers. Consent is not a condition of any purchase or loan. Message frequency varies. Message and data rates may apply.

• Reply STOP to any text to opt out. Reply HELP for help.
• You may also ask your loan officer or contact us to be placed on our internal Do-Not-Call list.

6. Cookies & Tracking Technologies

We and our partners use cookies, pixels, tags, and similar tools to:

• Make the Site work — forms, chat, and security features.
• Measure performance — such as Google Analytics, to understand how visitors use the Site.
• Advertise — such as the Meta (Facebook) Pixel and Google Ads, to show relevant ads and measure results.
• Document consent — lead-certification tools may record how a form was completed to verify your consent to be contacted.

You can block or delete cookies in your browser settings; some Site features may not work without them. Learn about Google's practices at Google's partner-sites policy, and opt out of interest-based ads at aboutads.info.

Do Not Track & Global Privacy Control: Our Site does not respond to browser "Do Not Track" signals. We do honor the Global Privacy Control (GPC) signal as an opt-out of advertising "sharing" for that browser where required by law.

7. Your Choices

• Email: click "unsubscribe" in any marketing email.
• Text: reply STOP.
• Calls: ask to be added to our internal Do-Not-Call list.
• Cookies: adjust your browser settings or use the opt-out tools above.
• Information sharing (loan customers): see our Consumer Privacy Notice for your GLBA opt-out rights.

Even if you opt out of marketing, we may still contact you about an active application or loan.

8. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information, consistent with the FTC Safeguards Rule. These include encryption, access controls, employee training, and vendor oversight. No system is 100% secure, so please use secure channels and never send sensitive information (like your SSN) by regular email or text.

9. Data Retention

We keep personal information only as long as needed for the purposes described in this Policy, including to meet legal, regulatory, audit, and record-keeping requirements for mortgage lenders. When no longer needed, we securely delete or de-identify it.

10. Children's Privacy

Our Site is not intended for children under 13 (or under 16 in California), and we do not knowingly collect their personal information. If you believe a child has provided us information, please contact us and we will delete it.

11. Third-Party Links & Platforms

Our Site may link to or embed third-party services, such as our secure online loan application portal, social media, and review sites. Those services have their own privacy policies, and we are not responsible for their practices.

12. California Privacy Rights

If you are a California resident, the California Consumer Privacy Act, as amended (CCPA), may give you additional rights. Information covered by the GLBA (for example, loan application data) is exempt from most CCPA requirements and is protected under our Consumer Privacy Notice instead.

Categories collected in the past 12 months

Your rights

• Know / Access the personal information we have collected about you.
• Delete personal information, subject to legal exceptions.
• Correct inaccurate personal information.
• Opt out of sale or sharing. We do not sell personal information. Some advertising cookies may be considered "sharing" for cross-context behavioral advertising; you can opt out by enabling GPC in your browser or by contacting us.
• Limit use of sensitive information. We use sensitive personal information only as permitted to provide the services you request.
• Non-discrimination. We will not treat you differently for exercising your rights.

How to submit a request

Call us at (813) 515-7548 or email [email protected]. We will verify your identity by matching information you provide to our records, and respond within 45 days. You may use an authorized agent with your signed permission.

13. Other State Privacy Rights

Residents of other states may have rights under their state's privacy laws. Many of these laws exempt financial institutions and data covered by the GLBA. If you would like to make a privacy request, contact us using the information below and we will respond as required by applicable law.

14. Changes to This Policy

We may update this Policy from time to time. The "Last Updated" date at the top shows when it was last revised. Material changes will be posted on this page.

15. Contact Us

Questions about this Privacy Policy or our privacy practices? We're here to help.