Effective Date: January 1, 2024

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Frontline Mortgage Group respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with our mortgage services, website, communications, and SMS/text messaging.

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For the purposes of this Privacy Policy, “Frontline Mortgage Group,” “we,” “us,” and “our” refer to Frontline Mortgage Group and its authorized representatives.

 

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1. Personal Information We Collect

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We may collect personal information that you provide to us directly, that is provided to us with your consent, or that is reasonably required to provide mortgage related services.

 

This may include:

 

Name, address, email address, phone number, and other contact information.

 

Date of birth, marital status, employment information, income information, and financial details.

 

Mortgage application information, property information, credit related information, banking information, tax information, and documents you provide 

to support a mortgage application, renewal, refinance, pre approval, or other mortgage request.

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Identification information required to verify identity or comply with legal, regulatory, lender, fraud prevention, or compliance obligations.

 

Communication records, including emails, phone calls, text messages, website inquiries, and notes related to your mortgage request.

 

Website information, such as IP address, browser type, device information, pages visited, and information collected through cookies or similar technologies.

 

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2. How We Collect Personal Information

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We may collect personal information when you:

 

Contact us by phone, email, website form, SMS/text message, social media, or another communication method.

 

Submit a mortgage inquiry, pre approval request, application, renewal request, refinance request, or other service request.

 

Provide documents or information to support your mortgage file.

 

Communicate with us during the mortgage process.

 

Consent to SMS/text messaging or other electronic communications.

 

Use our website or online forms.

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3. How We Use Personal Information

 

We use personal information for the purposes for which it was collected, or for purposes that are reasonably related to those purposes.

 

These purposes may include:

 

Responding to your inquiries and providing mortgage related services.

 

Assessing mortgage options, pre approvals, renewals, refinances, purchases, and applications.

 

Communicating with you about your mortgage file, appointments, required documents, lender updates, and next steps.

 

Submitting information to lenders, insurers, underwriters, credit reporting agencies, service providers, and other parties reasonably required to process or support your mortgage request.

 

Verifying identity, preventing fraud, meeting legal and regulatory obligations, and maintaining business records.

 

Improving our services, website, communications, and client experience.

 

Sending electronic communications where permitted by law and where proper consent or another lawful basis exists.

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4. SMS/Text Messaging Privacy

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If you consent to receive SMS/text messages from Frontline Mortgage Group, we may send you text messages related to mortgage inquiries, applications, pre approvals, renewals, refinances, appointments, document reminders, file updates, and client service conversations.

SMS consent is not shared with third parties or affiliates.

 

We do not sell, rent, or share SMS consent with third parties for marketing purposes.

 

We do not use SMS consent for unrelated marketing campaigns or third party lead lists.

 

You may opt out of SMS messages at any time by replying STOP. For assistance, reply HELP or contact us through our website at https://www.frontlinemortgagegroup.com/.

 

Message frequency may vary. Message and data rates may apply.

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5. Consent

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We collect, use, and disclose personal information with your consent, except where the law permits or requires otherwise.

 

Consent may be provided in writing, electronically, verbally, through an online form, by providing information to us for a specific purpose, or by continuing to use our services after being informed of the purpose for collection, use, or disclosure.

 

You may withdraw consent, subject to legal, regulatory, contractual, lender, record keeping, or business requirements. If you withdraw consent, we may not be able to continue providing certain mortgage services.

 

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6. When We Share Personal Information

 

We may share personal information only as reasonably required to provide mortgage services, operate our business, meet legal obligations, or as otherwise permitted or required by law.

 

This may include sharing information with:

 

Mortgage lenders, banks, credit unions, private lenders, mortgage insurers, and underwriters.

 

Credit reporting agencies, appraisal companies, title insurers, lawyers, real estate professionals, accountants, insurers, and other parties involved in a mortgage transaction, where applicable.

 

Technology providers, communication providers, cloud storage providers, customer relationship management systems, website hosting providers, payment processors, and other service providers who help us operate our business.

 

Regulators, law enforcement, courts, government agencies, or other parties where required or permitted by law.

 

We require service providers to handle personal information appropriately and to use it only for the services they provide to us.

 

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7. No Sale of Personal Information

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We do not sell your personal information.

 

We do not sell, rent, or trade your mobile number or SMS consent.

 

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8. Safeguards

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We use reasonable physical, administrative, and technical safeguards to protect personal information against unauthorized access, use, disclosure, loss, theft, or modification.

 

Safeguards may include password protection, access controls, secure storage, secure communication practices, staff training, and limiting access to personal information to those who require it for business purposes.

 

No method of electronic transmission or storage is completely secure. We cannot guarantee absolute security, but we take privacy and security seriously.

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9. Retention of Personal Information

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We retain personal information only as long as necessary for the purposes described in this Privacy Policy, or as required for legal, regulatory, lender, tax, insurance, fraud prevention, dispute resolution, or business record purposes.

 

When personal information is no longer required, we will securely destroy, delete, or anonymize it, subject to applicable legal and business requirements.

 

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10. Accessing and Correcting Your Personal Information

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You may request access to your personal information or ask us to correct personal information that you believe is inaccurate or incomplete.

 

We may need to verify your identity before responding to a request. Access may be limited where permitted or required by law, including where disclosure would reveal personal information about another person, confidential business information, or information protected by legal privilege.

 

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11. Website, Cookies, and Analytics

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Our website may use cookies and similar technologies to improve website functionality, understand website traffic, and improve the user experience.

You may be able to disable cookies through your browser settings, although some website features may not function properly.

 

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12. Links to Other Websites

 

Our website may contain links to third party websites. We are not responsible for the privacy practices, content, or security of third party websites. You should review the privacy policy of any website you visit.

 

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13. Children’s Privacy

 

Our services are intended for adults seeking mortgage related services. We do not knowingly collect personal information from children without appropriate consent.

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14. Changes to This Privacy Policy

 

We may update this Privacy Policy from time to time. The updated version will be posted on our website with a revised effective date. Continued use of our website or services after changes are posted means you accept the updated Privacy Policy.

 

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15. Contact Us

 

If you have questions about this Privacy Policy, your personal information, or your privacy rights, please contact:

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Frontline Mortgage Group
 

Website: https://www.frontlinemortgagegroup.com/
Email: admin@frontlinemortgagegroup.com
Phone: 1-866-784-2438