PRIVACY & INFORMATION PRACTICES
Privacy Policy
How Golden Oak Mortgage Group LLC collects, uses, protects, and shares information provided through our website and mortgage services.
Golden Oak Mortgage Group LLC ("Golden Oak Mortgage," "Company," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, maintain, protect, and disclose information collected from users ("Users") of our website and through our mortgage lending services.
This Privacy Policy applies to our website, products, services, loan applications, and all interactions with Golden Oak Mortgage Group LLC.
PRIVACY COMMITMENT
Our Commitment to Protecting Your Privacy
We take our clients' financial privacy seriously.
During the mortgage application and loan origination process, we collect nonpublic personal information from you and from third parties, including credit reporting agencies, employers, financial institutions, and other sources necessary to evaluate your mortgage application.
We limit access to your nonpublic personal information to employees, loan originators, processors, underwriters, and trusted service providers who require the information to perform their job responsibilities or provide services related to your mortgage transaction.
We maintain physical, electronic, administrative, and procedural safeguards designed to protect your personal information in accordance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and the FTC Safeguards Rule.
PERSONAL INFORMATION
Information We Collect
We may collect personal information in a variety of ways, including when you:
- Visit our website
- Complete an online mortgage application
- Request information
- Contact us by phone, email, or online forms
- Subscribe to newsletters or marketing communications
- Upload supporting loan documentation
- Use any tools or calculators on our website
Information collected may include:
- Name
- Address
- Email address
- Telephone number
- Date of birth
- Social Security Number
- Driver's license or government-issued identification
- Employment information
- Income information
- Asset information
- Credit information
- Mortgage and property information
- Any other information necessary to process your mortgage application
You may browse portions of our website without providing personal information.
WEBSITE INFORMATION
Non-Personal Information
We may automatically collect certain non-personally identifiable information when you visit our website, including:
- Browser type
- Device type
- Operating system
- IP address
- Pages visited
- Time spent on the website
- Referring websites
- General geographic location
- Website usage statistics
This information helps us improve our website and better understand how visitors use our services.
WEBSITE TECHNOLOGY
Cookies and Tracking Technologies
Our website may use cookies, web beacons, pixels, and similar technologies to improve your browsing experience, remember your preferences, analyze website traffic, and enhance website functionality.
You may choose to disable cookies through your browser settings; however, certain features of the website may not function properly if cookies are disabled.
HOW INFORMATION IS USED
How We Use Your Information
Golden Oak Mortgage Group LLC may use your information to:
- Process your mortgage application
- Verify your identity
- Obtain credit reports
- Verify employment, income, assets, and liabilities
- Match you with appropriate lending programs
- Communicate with lenders, investors, settlement providers, appraisers, title companies, and other parties involved in your transaction
- Respond to customer service requests
- Improve our website and services
- Comply with legal and regulatory requirements
- Prevent fraud and identity theft
- Maintain the security of our systems
- Send service-related communications
- Send marketing communications when permitted by law or with your consent
INFORMATION SHARING
Sharing of Information
We do not sell your personal information.
We may share your information only as necessary to:
- Process your mortgage application
- Obtain financing from lenders or investors
- Coordinate services with title companies, appraisal management companies, credit reporting agencies, flood certification providers, closing agents, and other settlement service providers
- Comply with federal, state, and local laws
- Respond to court orders, subpoenas, or regulatory requests
- Protect against fraud, unauthorized transactions, claims, or other liabilities
- Protect the rights, property, or safety of Golden Oak Mortgage Group LLC, our customers, or others
All third-party service providers receiving your information are expected to maintain appropriate confidentiality and security protections.
SECURITY PRACTICES
Information Security
We employ administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction.
Security measures include, where appropriate:
- Encryption of sensitive information
- Secure data storage
- Multi-factor authentication
- Role-based access controls
- Employee confidentiality requirements
- Security monitoring
- Vendor security oversight
- Regular security assessments
Although no method of electronic transmission or storage is completely secure, we use commercially reasonable efforts to protect your information.
EXTERNAL SITES
Third-Party Websites
Our website may contain links to third-party websites. These websites operate independently from Golden Oak Mortgage Group LLC and maintain their own privacy practices.
We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review their privacy policies before providing personal information.
AGE RESTRICTIONS
Children's Privacy
Our website is intended for adults seeking mortgage financing.
We do not knowingly collect personal information from children under the age of 13 in compliance with the Children's Online Privacy Protection Act (COPPA). If we become aware that information has been collected from a child under 13 without appropriate parental consent, we will promptly delete such information.
YOUR OPTIONS
Your Choices
You may choose not to provide certain personal information; however, doing so may prevent us from processing your mortgage application or providing requested services.
If you receive marketing emails from us, you may unsubscribe at any time by using the unsubscribe link included in the email or by contacting us directly.
Please note that you may continue to receive communications related to your mortgage application or existing loan transaction.
POLICY UPDATES
Changes to This Privacy Policy
Golden Oak Mortgage Group LLC reserves the right to update this Privacy Policy at any time to reflect changes in our practices, legal requirements, or business operations.
When changes are made, we will revise the Effective Date at the top of this policy.
We encourage you to periodically review this Privacy Policy to remain informed about how we protect your information.
USE OF THIS WEBSITE
Your Acceptance of This Policy
By accessing or using our website, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.
If you do not agree with this Privacy Policy, please do not use our website.
QUESTIONS ABOUT PRIVACY?
Contact Us
If you have any questions regarding this Privacy Policy or our privacy practices, please contact: