Privacy Policy

Effective Date: May 2025 

Align Mortgage LLC ("Company," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, and disclose your information and your rights under federal and state privacy laws.

Information We Collect

We may collect the following types of information:

• Personal Identifiers: Name, address, email, phone number, Social Security number, date of birth 
• Financial Information: Income, credit history, employment status, banking, and loan account details 
• Device and Usage Data: IP address, browser type, operating system, site usage, and cookies 
• Communications: Interactions with our representatives, chat, emails, and recorded calls

How We Use Your Information

We may use your information to:

• Process mortgage applications and provide related services
• Verify identity and perform credit check 
• Communicate with you about your application or services
• Meet legal, regulatory, and compliance obligations 
• Conduct marketing, surveys, and promotions (with opt-out services)

We  do not sell your personal information. We may share your information with:

• Lenders, investors, or service providers involved in processing or funding your loan
• Regulatory or law enforcement agencies, as required by law
• Technology and data vendors under strict confidentiality agreements
• Affiliated companies that we own or partially own, in accordance with applicable laws and consistent with your privacy preferences

Home Mortgage Disclosure Act ("HMDA") Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.

You may have the right to limit certain types of sharing. For more information or to exercise your privacy choices, please refer to the "Your Privacy Rights" section of this policy.

Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Request access to the personal information we have about you
• Request correction or deletion of your information
• Opt out of data sharing with third parties for marketing purposes
• Limit the use of sensitive personal information

To exercise your rights, please contact us at [email protected] or call 248-466-3366

TCPA and Communication Consent

By providing your phone number, you consent to receive calls and text messages from us and our partners, which may include marketing or informational messages, even if your number is on a federal or state “Do Not Call” list. Message and data rates may apply. Consent is not a condition of loan approval.

To opt out of communications, you may:

• Reply STOP to any text message
• Email us at [email protected]
• Call 248-466-3366 and request removal

Cookies and Tracking Technologies 

We use cookies and similar tracking technologies to enhance user experience, analyze site usage, and support marketing efforts, including Google tools such as Google Analytics and Google Ads (if applicable). These may collect information such as IP address, browsing behavior, and pages visited. For more information on how Google uses data, visit: https://policies.google.com/technologies/partner-sites.

You can opt out of Google Analytics by installing the Google Analytics opt-out browser add-on.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure.

Children's Privacy (COPPA)

We comply with the Children’s Online Privacy Protection Act (COPPA). Our website and services are not directed to children under 13, and we do not knowingly collect personal information from anyone under 13 years of age.

Fair Information Practices

In compliance with Fair Information Practices Principles (FIPPs), should a data breach occur, we will notify users via email and/or public posting on our website within 7 business days. We support the individual redress principle, which gives individuals the right to pursue enforceable rights against data collectors and processors who fail to adhere to the law.

CAN-SPAM Act

We comply with the CAN-SPAM Act. All marketing emails sent by us will:

• Clearly identify the sender and include contact information
• Provide a clear way to opt out of future communications 
• Honor opt-out requests promptly

To stop receiving emails, follow the instructions in the footer of our emails or contact us directly at [email protected]

State-Specific Notices

California (CCPA/CPRA): You have the right to know what personal information we collect, use, share, or sell, and to request deletion or correction. You may also opt out of the sale or sharing of your personal information and limit the use of sensitive personal information. To exercise your rights, contact [email protected]. Learn more: https://oag.ca.gov/privacy/ccpa

Colorado (CPA): You may access, correct, delete, and opt out of the processing of your personal data for targeted advertising, sale, or profiling. Contact [email protected] to exercise your rights.
Learn more: https://coag.gov/resources/data-privacy/

Connecticut (CTDPA): You may access, correct, delete, and opt out of the processing of personal data for targeted advertising and sales. You may also appeal a denial of a data rights request. Learn more: https://portal.ct.gov/DCP/Privacy/Connecticut-Data-Privacy-Act

Virginia (VCDPA): You may access, correct, delete, obtain a copy of your personal data, and opt out of processing for targeted advertising, sales, and profiling. Requests should be sent to [email protected]. Learn more: https://www.oag.state.va.us/privacy

Utah (UCPA): You may request access to your personal data and deletion of your data, and opt out of sales or targeted advertising. Learn more: https://consumerprotection.utah.gov/

Nevada: You may submit a verified request to opt out of future sales of certain covered information under Nevada law by contacting [email protected]. Learn more: https://ag.nv.gov/Complaints/File_Complaint/

Delaware (DPPA – effective Jan 2025): You will have the right to access, correct, delete, and opt out of processing for advertising, sales, and profiling. Submit requests to [email protected]. Learn more: https://legis.delaware.gov/BillDetail?LegislationId=129105

Montana (MTDPA – effective Oct 2024): You have rights to access, correct, delete, and opt out of personal data processing for advertising, sales, and profiling. Learn more: https://leg.mt.gov/bills/2023/billhtml/SB0430.htm

Iowa (ICDPA – effective Jan 2025): You may request access to and deletion of your personal data and opt out of its use for targeted advertising or sales. Learn more: https://www.legis.iowa.gov/legislation/BillBook?ba=SF262

Indiana (INDPA – effective Jan 2026): You may access, correct, delete, and opt out of personal data sales or processing for targeted advertising or profiling. Learn more: https://iga.in.gov/legislative/2023/bills/senate/5

Maryland (MPDPA – effective Oct 2025): Maryland residents will have rights to access, correct, delete, and opt out of personal data processing for advertising, sales, and profiling. Learn more: https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb0562

Minnesota (MCDPA – effective July 2025): You will have the right to access, correct, delete, and opt out of personal data processing for advertising, sales, and profiling. Learn more: https://www.revisor.mn.gov/bills/text.php?number=HF2309

Texas (TDPSA – effective July 2024): You may access, correct, delete, and opt out of the sale of personal data and use for targeted advertising. Learn more:
https://capitol.texas.gov/BillLookup/History.aspx?LegSess=88R&Bill=SB2105

Oregon (OCPA – effective July 2024): You have rights to access, correct, delete, and opt out of personal data sales and processing for targeted advertising or profiling. Learn more: https://olis.oregonlegislature.gov/liz/2023R1/Measures/Overview/SB619

Tennessee (TIPA – effective July 2025): You may exercise rights to access, correct, delete, and opt out of targeted advertising, sales, and profiling. Requests can be submitted to [email protected]. Learn more: https://wapp.capitol.tn.gov/apps/BillInfo/Default.aspx?BillNumber=SB0073&GA=113

Right to Anonymously Use the Site (CalOPPA)

In compliance with the California Online Privacy Protection Act (CalOPPA), users may visit our site anonymously. We do not track users over time and across third-party websites, and we do not respond to Do Not Track (DNT) signals.

GLBA Notice: Gramm-Leach-Bliley Act Privacy Policy

OUR PLEDGE TO YOU — At Align Mortgage LLC, one of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in us collecting or sharing certain types of information about you. We explain how we use customer information in this privacy policy statement. We invite you to state your choices in the Customer Preferences section below. We will honor your selection.

INFORMATION WE COLLECT — We collect information you provide to us on applications, surveys, registration forms, etc.

HOW WE SHARE INFORMATION — We do not share information that we have about you with anyone except in response to subpoenas or for other legal reasons. The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

HOW WE PROTECT INFORMATION — We strive to protect your data and safeguard it from those not authorized to see it.

FORMER CUSTOMERS — We do not share information about our former customers with anyone except in response to subpoenas or for other legal reasons. We do not share information about our former customers with companies outside our organization for them to contact you for their own marketing purposes.

CUSTOMER PREFERENCES — We honor your choices for sharing data as checked below
Please fill out this form and return it to us at:
Align Mortgage LLC
38219 Mound Rd., Suite 201, Sterling Heights, MI 48310

• Please do not share information about me with companies outside your organization. By law, this doesn’t include companies that are performing services on our behalf or our financial marketing partners.
• Please do not share my credit history with members of your corporate family.

For joint accounts: We will honor your preferences and will automatically apply those same choices to the other account holder(s).

Name:
Address:
City:
State:
Zip:
Account/Policy No(s):

In addition, you may share your preferences by emailing us at: [email protected]

Programs and rates are subject to change without notice.

As a financial institution, we comply with the Gramm-Leach-Bliley Act (GLBA). Our GLBA Privacy Notice describes the information we collect, how we use it, and how we protect it. Consumers have the right to opt out of certain information sharing with non-affiliated third parties. You may request our GLBA Notice or opt out by contacting [email protected] or calling 989-400-2884.

Updates to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted with a new effective date. Please check this page periodically for updates.

Contact Us

If you have any questions about this Privacy Policy, please contact:

Align Mortgage LLC

38219 Mound Rd., STE. 201, Sterling Heights, MI 48310

248-466-3366

[email protected]

NMLS ID: 2299749

This Privacy Policy is provided in accordance with federal laws including the Gramm-Leach-Bliley Act (GLBA), the Telephone Consumer Protection Act (TCPA), the Children’s Online Privacy Protection Act (COPPA), the CAN-SPAM Act, Fair Information Practices, and applicable state privacy statutes including CCPA, CPRA, CPA, CTDPA, VCDPA, UCPA, and others.

Last updated May 2025