Privacy Policy

Your privacy is important to us. It is Capital V Home Lending, LLC (“CVHL”) policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, https://www.CapitalVHL.com, and other sites we may own and operate.

Information We Collect

Information we collect falls into one of two categories: “voluntarily provided” information and “automatically collected” information.“Voluntarily provided” information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions. “Automatically collected” information refers to any information automatically sent by your devices in the course of accessing our products and services.

The personal information CVHL receives about you is provided: by you directly to CVHL; on your loan application; online forms you complete; documentation provided in connection with the underwriting process or for consideration of a loan modification; information and/or documentation you provide to be approved to submit loans to CVHL; emails and letters you send to CVHL; phone calls with CVHL; and your activity on CVHL websites.

Personal information is any information about you which can be used to identify you. This includes information such as:

Your name

Your company name (if any)

Information about your business

IP address

Contact information including phone number and email address

Property address

Information about your property or the property you are attempting to purchase obtained through publicly available sources and/or an appraisal

Geolocation data

Professional or employment-related information

Financial information

Employment and education information

Tax information

Other information you choose to provide via a telephone call, letter or email

Credit information: credit score, social security number, prior addresses, account information, birth date

Forms of personal identification such as driver’s license or passport, visa information

Information about your use of CVHL’s website.

Mandatory and Optional Information

CVHL identifies for you what information is required to complete an application for a residential mortgage loan. The information may be requested by on our website, electronic application, telephone, email or SMS. If you choose not to provide mandatory information, CVHL will not be able to provide you with the service you are requesting.

Security of Your Personal Information

When we collect and process personal information, and while we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use or modification.

Although we will do our best to protect the personal information you provide to us, we advise that no method of electronic transmission or storage is 100% secure and no one can guarantee absolute data security.

You are responsible for selecting any password and its overall security strength, ensuring the security of your own information within the bounds of our services. For example, ensuring you do not make your personal information publicly available via our platform.

Service Providers.

For certain aspects of the loan process and to provide certain services to you, CVHL employs or utilizes service providers including, but not limited to, appraisal companies, title companies, due diligence firms, sub-contractors, consultants, temporary workers, attorneys, third-party developers, technology companies and others entities as necessary. For example, we may utilize service providers to send emails to you. For service providers to assist CVHL, we may need to share your personal identifiable information. Service providers are not authorized and are strictly prohibited from using your personal identifiable information for any purpose other than those for the purposes delineated proscribed by CVHL in connection with the services they provide on CVHL’s behalf. CVHL does not sell or share a borrower’s personal information with third parties for their promotional or marketing use without your consent.

Legal Disclosure

At times, CVHL may be required to disclose your personal information to include, but not limited to, state and federal agencies, regulatory authorities, attorneys and/or other parties as the result of a legal obligation, subpoena or legal requirement.

Business Transfers

If we or our assets are acquired, we would include data, including your personal information, among the assets transferred to any party who acquires us. You acknowledge that such transfers may occur, and that any party who acquires us may, to the extent permitted by applicable law, continue to use your personal information according to this policy, which they will be required to assume as it is the basis for any ownership or use rights we have over such information.

Limits of Our Policy

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites and cannot accept responsibility or liability for their respective privacy practices. In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read that sites posted privacy policy information to understand how they collect and use your personal information.

Changes to This Policy

At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy. If required by law, we will get your permission or give you the opportunity to opt in to or opt out of, as applicable, any new uses of your personal information.

SMS Privacy Policy

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Right To Know About Personal Information Collected, Disclosed Or Sold

You have the right to request that CVHL disclose what personal information it collects, uses, discloses and sells. CVHL has outlined above the general categories of information collected from you directly or received by CVHL via your licensed loan officer. CVHL does not sell your personal information and only discloses to third parties who are performing services on behalf of CVHL or assisting CVHL with another business need or purpose.

If you would like additional information about what personal information CVHL collects and how it is used, disclosed and sold (CVHL does not sell your personal information), you can submit a verifiable consumer request via telephone by calling 614 420-2596 or by email to bvanmeter@CVHL.com. You can also submit your request in writing by mailing it to:

Capital V Home Lending, LLC

906 Williams Ave.

Columbus, Ohio 43212

Agreement

By using this Website, you agree to CVHL’s Privacy Statement and to the use of the information CVHL receives and collects as stated herein and in ways CVHL may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. CVHL reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.