Privacy Policy

Introduction

Michael Di Lucca ("we," "us," "our," or the "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

We may collect information about you in various ways, including:

• Personal Information: Name, email address, telephone number, postal address, and other identifiers you provide directly to us.
• Automatic Information: Browser type, IP address, pages visited, and other usage information collected automatically through cookies and similar tracking technologies.
• Financial Information: Credit information, loan amount, income, employment history, and other financial data necessary to process a mortgage application.

How We Use Your Information

We use the information we collect for purposes including:

• Verifying your identity and preventing fraud
• Complying with legal, regulatory, and contractual obligations
• Communicating with you about our services
• Improving our website and services
• Analyzing website usage trends
• Processing a mortgage application and loan servicing

Information Disclosure

We may share your information with third parties only in the following circumstances:

• Service Providers: We may share information with vendors, contractors, and service providers who assist us in operating our website and providing our services.
• Legal Requirements: We may disclose information when required by law, court order, or government request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• Your Consent: We may share information with third parties when you explicitly consent to such disclosure.

We do not sell, trade, or rent your personal information to third parties for their marketing purposes.

Data Security

We implement appropriate technical, administrative, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure.

SMS Messaging and Mobile Information

When you provide a mobile telephone number and separately opt in to text messaging, we collect your mobile number, messaging preferences, and consent record. We use this information to send non-marketing messages about your mortgage inquiry, requested loan-service updates, appointment coordination, follow-up questions, and responses you request.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

SMS consent is voluntary, is not a condition of purchasing products or services, and applies only to the messaging program described at the time of opt-in. You may withdraw consent at any time as described in our SMS Messaging Terms.

Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access your personal information
• The right to correct inaccurate information
• The right to request deletion of your information
• The right to opt-out of marketing communications

To exercise these rights, please contact us at mdilucca@canopymortgage.com.

Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact Michael Di Lucca at:

Gramm-Leach-Bliley Act Compliance

Personal financial information is collected, maintained, used, and disclosed in accordance with the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and the Privacy Rule (16 CFR Part 313). Customer information is protected for security, confidentiality, and integrity.