Effective Date: September 16, 2025
Last Updated: December 10, 2025

Kearns Mortgage Team, LLC (“Company,” “we,” “us,” or “our”) is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website, submit information through online forms, or interact with us in any manner.

Information We Collect

We may collect the following categories of information:

• Personal Information: Name, phone number, email address, mailing address, and other contact details.
• Loan-Related Information: Employment, income, assets, liabilities, property details, credit information, and other data required for mortgage qualification and processing.
• Technical Information: IP address, device type, browser details, and website usage data (see our Cookie Policy for more details).
• Communications: Information submitted through forms, surveys, scheduling tools, or email communications.

How We Collect Information

We collect personal information in several ways, including:

• Information you provide voluntarily through website forms, loan applications, or communication channels
• Information collected automatically through cookies and similar technologies
• Information obtained from third-party service providers such as credit bureaus, lenders, or verification services when authorized or required for loan processing

How We Use Your Information

We use personal information for the following purposes:

• Responding to inquiries and communicating with you
• Evaluating mortgage eligibility and processing loan applications
• Meeting legal, regulatory, and licensing requirements
• Improving website functionality, performance, and user experience
• Protecting against fraud, unauthorized activity, or security risks
• Providing marketing communications where permitted by law

How We Share Your Information

We do not sell your personal information. We may share information only as needed to operate our business, including:

• Lenders, banks, and investors involved in evaluating or underwriting your loan
• Contract processors and mortgage support professionals who help prepare, review, or process your loan file
• Third-party service providers such as credit bureaus, verification tools, compliance systems, LOS platforms, CRM systems, and document management services
• Professional advisors such as auditors or legal counsel when required
• Regulatory authorities when required by law
  
  

Marketing-Related Sharing:
We share personal information with certain contracted service providers who assist with marketing our business, such as email delivery platforms, SMS tools, CRM systems, or advertising technology that supports our communications. These providers may use the information only to support our services and are not permitted to use the information for their own marketing or to sell, rent, or share it with other businesses.

Legal Basis and Financial Privacy (GLBA)

As a mortgage brokerage handling financial information, we comply with the Gramm-Leach-Bliley Act (GLBA). This includes:

• Providing a clear privacy notice describing our practices
• Limiting access to personal information to employees or partners with a business need
• Requiring service providers to protect the confidentiality of information
• Maintaining administrative, technical, and physical safeguards to secure personal data

Credit Information (FCRA)

When we obtain credit reports or other consumer reports to evaluate your loan eligibility, we do so in compliance with the Fair Credit Reporting Act (FCRA). You may request details about your credit information or contact the appropriate credit bureau to dispute inaccuracies.

Cookies and Tracking Technologies

We use cookies and similar technologies to support website functionality and improve user experience. For more details, please review our Cookie Policy.

Retention of Information

We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by law, investor guidelines, or regulatory recordkeeping standards.

Security

We use reasonable physical, administrative, and technical measures to protect personal information from unauthorized access, disclosure, alteration, or loss. While no system is completely secure, we follow industry standards and regulatory expectations to safeguard financial information.

Your Choices and Rights

You may:

• Request that we update or correct your personal information
• Request information about how your data is used or shared
• Opt out of marketing emails or SMS messages

To exercise these rights, contact us using the information below.

Children’s Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect information from children.

Links to Other Websites

Our website may contain links to third-party websites or tools. We are not responsible for the privacy practices or content of those sites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a new “Last Updated” date.

Contact Us

If you have questions about this Privacy Policy or how we handle personal information, please contact us:

Kearns Mortgage Team, LLC
3903 Northdale Blvd., Suite 100E
Tampa, FL 33624
Phone: 813-796-5755
Email: Hello@kearnsmortgageteam.com