Privacy Policy

Introduction

Howard Funding LLC ("Howard Funding," "we," "us," or "our") is an independent mortgage broker serving Arizona. We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, share, and safeguard information when you visit our website, use our online tools, or apply for a loan through us. By using our website, you agree to the practices described here.

Information We Collect

We collect nonpublic personal information about you in order to serve you and to offer and process mortgage financing. Depending on how you interact with us, this may include:

• Application data: information you provide on loan applications and related forms, such as income, employment, assets, debts, and Social Security number.
• Contact information: your name, mailing address, email address, and phone number.
• Financial information: details from your transactions, credit history, and consumer reporting agencies used to evaluate your loan request.

We collect this information directly from you, from your transactions with us, and from third parties such as credit bureaus and lenders as needed to process your request.

How We Use Your Information

We use the information we collect to:

• Service your account and process the requests and transactions you ask us to complete;
• Evaluate, originate, and arrange mortgage financing on your behalf;
• Prevent fraud and protect the security of our clients and our business;
• Communicate with you about your loan, our services, and matters you have asked us to help with; and
• Comply with applicable laws and regulatory requirements.

How We Share Information

We do not sell your personal information. We may share nonpublic personal information as permitted by law, including:

• With nonaffiliated third parties who perform services or functions on our behalf, such as lenders, processors, underwriters, appraisers, and title companies, so that we can complete your transaction;
• With service providers who support our website and business operations under confidentiality obligations; and
• As required or permitted by law, including to respond to legal process, comply with regulatory obligations, or protect against fraud.

We do not sell personal information to anyone, and we do not share it with third parties for their own independent marketing purposes.

Cookies & Online Analytics

Our website uses cookies and similar technologies for administrative purposes and to analyze how visitors use our site. This usage information is collected on an aggregate basis and is not linked to your personal identity. You can set your browser to refuse cookies or to alert you when cookies are being sent; if you do, some parts of our site may not function as intended.

Planning Tools & Calculators

Our website may offer calculators and planning tools to help you estimate payments and explore options. These tools are provided for your convenience and general information only. Information you enter into them is used to produce your estimate and is not retained by us.

Email Security

Email is not a secure method of communication and can be intercepted or read by others. Please do not send sensitive personal information, such as your Social Security number, account numbers, or financial details, to us by email. If you need to share sensitive information, contact us so we can provide a secure method.

Children's Privacy

Our website and services are intended for adults. Consistent with our obligations under the Gramm-Leach-Bliley Act and other applicable law, we do not knowingly collect personal information from children under the age of 13 without verifiable parental consent. If you believe a child has provided us with personal information, please contact us so we can remove it.

Data Security

We maintain reasonable physical, electronic, and procedural safeguards designed to protect the nonpublic personal information we hold from unauthorized access, use, or disclosure. We restrict access to your information to those who need it to provide services to you. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Your Choices & Opt-Out

You may contact us at any time to review or update the contact information we have for you, to ask questions about this policy, or to request that we limit certain communications. You may also opt out of cookies through your browser settings as described above. To make a request, use the contact details at the bottom of this page.

Gramm-Leach-Bliley Act Compliance

Howard Funding LLC complies with the privacy provisions of Title V of the Gramm-Leach-Bliley Act (GLBA). These provisions govern how financial institutions collect, use, and protect the nonpublic personal information of their customers. Our practices, including how we collect, use, and share your information, are designed to meet the requirements of the GLBA and other applicable federal and state privacy laws.

Third-Party Links

Our website may contain links to third-party websites, such as lenders, government agencies, or the NMLS Consumer Access site. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policy of any site you visit through a link from ours.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. When we do, we will revise the "Last updated" date above. We encourage you to review this page periodically. Your continued use of our website after changes are posted means you accept the updated policy.

Contact Us

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

Howard Funding LLC
4365 E Pecos Rd #108
Gilbert, AZ 85295
Phone: (480) 297-8855
Email: chance@howardfunding.com