Effective Date: December 10, 2025
Last Updated: December 10, 2025
This notice describes how Kearns Mortgage Team, LLC (“we,” “us,” or “our”) collects, shares, and protects your personal information. Federal law gives consumers the right to know how their financial information is used and shared. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you request. This information can include:
When you are no longer our customer, we continue to maintain your information as described in this notice.
All financial companies need to share personal information to run their everyday business. Below we list the reasons financial companies can share their customers’ personal information, whether Kearns Mortgage Team, LLC chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Do we share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We do not share |
| For our affiliates’ everyday business purposes—information about your transactions and experiences | No | We do not share |
| For our affiliates’ everyday business purposes—information about your creditworthiness | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files, encrypted data transmission where appropriate, and restricted access to information.
We collect your personal information, for example, when you:
We may also collect information from others, such as credit bureaus, service providers, employers, or other third parties as needed to process your application.
Federal law gives you the right to limit only:
Because we do not engage in these types of sharing, there is no need for you to take any action or opt out.
Companies related by common ownership or control. Kearns Mortgage Team, LLC has no affiliates.
Companies not related by common ownership or control. These can include financial and nonfinancial companies. We do not share personal information with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not participate in joint marketing programs.
If you have any questions about this notice, please contact us:
Kearns Mortgage Team, LLC
3903 Northdale Blvd., Suite 100E
Tampa, FL 33624
Phone: 813-796-5755
Email: Hello@kearnsmortgageteam.com
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.
