Privacy Policy

1. Purpose and Legal Compliance

This Privacy Policy is designed to comply with all applicable federal and state laws and mobile carrier requirements, including:

The Gramm–Leach–Bliley Act (GLBA), including Regulation P (Privacy Rule) and the Safeguards Rule;
The Telephone Consumer Protection Act (TCPA) and Federal Communications Commission (FCC) regulations;
Applicable federal and state mortgage lending, consumer protection, and communications laws;
RingCentral and mobile carrier messaging compliance policies.

This Policy governs the collection, use, protection, and limited disclosure of personal information obtained through our website, communications, and mortgage-related services.

2. Personal Information We Collect

Simplicity Home Loans collects only the minimum personal information necessary to conduct mortgage-related business and communicate with consumers. This includes:

Full name
Telephone number(s), including mobile numbers
Email address

Additional nonpublic personal information may be collected during a mortgage application as required by law; however, such information is handled in accordance with GLBA requirements.

3. How Personal Information Is Collected

We may collect personal information through:

Website contact forms and applications;
Phone calls and SMS text messaging;
Email communications;
In-person or virtual consultations;
Authorized internal business systems.

4. How Personal Information Is Used

Personal information is used exclusively for legitimate business purposes, including:

Responding to inquiries and requests;
Providing mortgage information, quotes, and loan options;
Processing mortgage applications and related documentation;
Communicating about loan status, disclosures, and required notices;
Complying with legal and regulatory obligations.

Personal information is not sold, not rented, and not used for third-party marketing.

5. Information Sharing and Disclosure

Simplicity Home Loans strictly limits the sharing of personal information.

Personal information is shared only within Simplicity Home Loans with owners, employees, or authorized agents who require the information to perform mortgage-related duties.
Personal information is not shared with third parties, affiliates, lead aggregators, or marketing vendors for promotional purposes.

SMS Consent Disclosure (Carrier-Required Language)

SMS consent is not shared with third parties or affiliates.

Consent to receive text messages applies solely to Simplicity Home Loans.

6. Text Messaging, Calls, and TCPA Compliance

Simplicity Home Loans complies with the Telephone Consumer Protection Act (TCPA) and mobile carrier requirements, including RingCentral policies.

Text messages and calls are sent only with appropriate consumer consent or as otherwise permitted by law.
Message frequency may vary.
Message and data rates may apply.
Consumers may opt out of SMS communications at any time by replying STOP.
Consumers may request help by replying HELP or contacting us directly.

Opting out of SMS communications does not affect legally required communications related to an active mortgage transaction.

7. Data Security and Safeguards

In accordance with the GLBA Safeguards Rule, Simplicity Home Loans maintains reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, disclosure, alteration, or destruction.

Access to personal information is limited to authorized personnel with a legitimate business need.

8. Consumer Rights and Choices

Consumers may:

Request access to their personal contact information;
Request corrections to inaccurate information;
Withdraw consent for non-mandatory communications;
Ask questions regarding this Privacy Policy.

Requests may be submitted using the contact information below.

9. Changes to This Policy

This Privacy Policy may be updated periodically to reflect changes in legal requirements, carrier rules, or Company practices. Updates will be posted with a revised effective date.

10. Contact Information
No mobile opt-in or text message consent will be shared with third parties or affiliates.

Simplicity Home Loans

7720 E Evans Rd. Suite 209

Scottsdale, AZ 85260
855-761-8498
info@simplicityhomeloans.com

TERMS & CONDITIONS FOR COMMUNICATIONS AND SMS MESSAGING

These Terms & Conditions apply to communications sent by Simplicity Home Loans, including SMS text messages, phone calls, and electronic messages, and are intended to comply with the Telephone Consumer Protection Act (TCPA), FCC regulations, and RingCentral and mobile carrier requirements.

Types of Messages

By providing your contact information and consenting to communications, you agree that Simplicity Home Loans may send you messages related to mortgage services, which may include, but are not limited to:

Appointment reminders;
Application and loan status updates;
Account notifications and required disclosures;
Requests for documentation;
Customer service and support communications.

Messaging Frequency

Messaging frequency may vary depending on your interaction with Simplicity Home Loans and the status of your mortgage inquiry or transaction.

Message and Data Rates

Message and data rates may apply based on your mobile carrier plan.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP. After opting out, you may receive a final confirmation message.

Help and Support

For assistance, reply HELP or visit our website at simplicityhomeloans.com.

Privacy and Terms References

For more information:

Visit simplicityhomeloans.com to view our Privacy Policy
Visit simplicityhomeloans.com to view our Terms of Service

Collection of Personal Information

Simplicity Home Loans collects various types of personal information to facilitate mortgage-related services. This includes basic identification details such as full name, telephone number(s), and email address, as well as additional nonpublic personal information required during the mortgage application process.

The company ensures that all collected information is handled in compliance with the Gramm–Leach–Bliley Act (GLBA). This means that any additional information collected is used solely for legitimate business purposes and is protected according to strict privacy standards.

Usage of Personal Information

The personal information collected by Simplicity Home Loans is utilized to provide tailored mortgage services and respond to customer inquiries. This includes offering quotes, processing applications, and communicating necessary disclosures and loan statuses to clients.

Importantly, the company emphasizes that personal information is not sold or rented to third parties, ensuring that customer data remains confidential and is only shared internally among authorized personnel who need access to perform their duties.

Data Security Measures

Simplicity Home Loans is committed to safeguarding personal information through a variety of administrative, technical, and physical security measures. These safeguards are designed to protect against unauthorized access, disclosure, alteration, or destruction of sensitive data.

As part of compliance with the GLBA Safeguards Rule, the company continually assesses and updates its security practices to adapt to new threats and maintain the integrity of customer information, ensuring peace of mind for clients.

Consumer Rights Regarding Personal Information

Consumers have specific rights concerning their personal information, which Simplicity Home Loans upholds diligently. These rights include access to their data, the ability to request corrections, and the option to withdraw consent for data processing at any time.

The company encourages customers to reach out with any questions or requests regarding their personal information, thereby fostering transparency and trust in its privacy practices.