Privacy Policy – NEXA Mortgage

At NEXA Mortgage, we value your trust and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you interact with our website and services.

Information We Collect

We collect nonpublic personal information from a variety of sources, including:

• Information You Provide Directly:
  This includes data submitted through online forms, applications,    consultations, or communication with our team, such as your name, contact information, Social Security number, income, and employment details.
• Transaction Information:
  Details about your interactions with us, such as loan requests,     application status, and communications.
• Third-Party Sources:
  Information from credit reporting agencies, verification services, and      other third parties to help us process your mortgage application.

How We Use Your Information

The information we collect is used to:

• Process and evaluate mortgage loan applications
• Provide customer service and communicate updates
• Match clients with appropriate loan products
• Comply with federal and state legal and regulatory obligations
• Improve the performance and security of our website and systems

Information Sharing

We do not sell or rent your personal information to anyone. We may share your information only under the following circumstances:

• Lending Partners and Service Providers:
  We share data with lenders, processors, and other third parties involved in the mortgage transaction, all of whom are bound by confidentiality obligations.
• Legal and Regulatory Disclosure:
  We may disclose information when required by law, or to protect against fraud or unauthorized transactions.

How We Protect Your Data

We implement strict security measures to safeguard your information, including:

• SSL encryption for all data transmitted through our website
• Secure servers and firewalls for data storage
• Access restricted to authorized personnel only
• Regular system monitoring and security audits

Your Rights and Choices

You have the right to:

• Access, update, or correct your personal information
• Request the deletion of your data (subject to applicable laws)
• Opt-out of non-essential marketing communications

If you're a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA)

If you have any questions about this Privacy Policy or would like to exercise your data rights, please contact us at:

Greg Hinson
📞+1 (704) 840-8283
📧 greghinson@nexamortgage.com
🌐 www.GregHinsonMortgage.com

TCPA Compliance Policy | Effective Date: January 11, 2025, Version: 1.4

This policy outlines how [NEXA Mortgage], along with our affiliates, partners, and service providers (collectively, “we,” “us,” or “our”), communicates with you and how we comply with the Telephone Consumer Protection Act (“TCPA”). This policy is a supplement to our general Privacy Policy and Terms of Service.

1. Express Written Consent and Scope of Communication

By submitting your information and providing your phone number on our website forms, you are providing your express written consent to be contacted by us, our affiliates, and our third-party partners.

You agree to receive communications, including calls, text messages, and emails, to the phone number(s) you have provided. This consent covers contact for purposes of marketing, lead generation, loan application status updates, and general customer service. You acknowledge that this communication may be generated using an automatic telephone dialing system (ATDS), an artificial voice, or a prerecorded voice, even if your phone number is on a national, state, or company-specific Do-Not-Call list.

2. Message and Data Rates

You understand and agree that standard message and data rates may apply to any text messages you send to or receive from us, depending on your mobile carrier’s plan.

3. Message Frequency and Delivery

The number of communications you receive will vary based on your level of engagement and the status of your application. We will make reasonable efforts to limit our communications to only what is necessary to respond to your inquiries and provide you with information about our services. Text messages are not a guaranteed form of delivery, and we are not liable for any delays or failures in delivery.

4. Your Right to Revoke Consent (Opt-Out)

You have the right to revoke your consent at any time.

• For Text Messages: To opt-out of receiving text messages, you can reply to any message with the keyword “STOP”, “UNSUBSCRIBE”, or “CANCEL”. After sending this message, you will receive a single confirmation message that you have been successfully unsubscribed and will receive no further messages from our automated system.
• For Phone Calls: To stop receiving automated or live phone calls, you may request to be placed on our internal Do-Not-Call list by calling us at [Your Phone Number] or by sending a written request to [Your Email Address] with the subject line “Do-Not-Call Request.” Please allow a reasonable time for us to process your request.

You acknowledge that replying “HELP” to any of our text messages will prompt a response with our contact information and a link to our Terms of Service.

5. No Consent Required for Purchase or Service

Your consent to receive these communications is not a condition of purchasing any property, goods, or services, or for applying for a loan. You can still contact us directly at [Your Phone Number] or visit our website to apply for a loan without providing this consent.

6. User’s Representation and Contact Information

By providing a phone number, you represent that you are the true owner and authorized user of the number. You agree to promptly notify us if your phone number changes or if you are no longer the authorized user of that number. You agree to indemnify us for any claims, costs, or damages arising from your failure to provide accurate contact information.

7. Contact Information

For questions or concerns about this policy, or to manage your communication preferences, please contact us at:

NEXA Mortgage LLC | 5559 S Sossaman Rd, Building # 1 Ste 101, Mesa AZ 85212  (602) 344-9333   |   info@nexamortgage.com