eLoansUSA Privacy Policy

1. Our Commitment to Protecting Your Privacy

At eLoansUSA and NEXA Mortgage, LLC, we recognize that the protection of your nonpublic personal information (NPI) is vital to maintaining your trust. This Privacy Policy details the types of information we collect through our mortgage rate search engine, loan calculators, client portals, and CRM tools, how we handle that data, and the strict physical and digital safeguards we enforce.

2. Gramm-Leach-Bliley Act (GLBA) Financial Privacy Notice

Under the federal Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and FTC regulations, financial institutions are required to provide notice regarding their information collection and sharing practices.

3. Information We Collect and How We Collect It

• Direct Consumer Inputs: Contact names, email addresses, phone numbers, zip codes, estimated credit scores, property value estimates, purchase price, down payment, and loan scenario parameters.
• Third-Party Credit & Property Data: With your express authorization during loan pre-approval, we retrieve formal credit reports from Experian, Equifax, and TransUnion, title records, and appraisal reports.
• Technical & Session Data: Browser user agents, IP addresses, and session preferences used for platform security, fraud prevention, and interface rendering.

4. Mobile & SMS Communications Privacy Policy (TCPA / 10DLC)

By providing your mobile phone number, you authorize eLoansUSA to send transactional SMS updates regarding rate quotes, pre-approvals, and loan status. Message frequency varies. Standard Message & Data rates may apply. You may cancel at any time by replying STOP, or receive help by replying HELP.

5. Data Security & FTC Safeguards Rule

We implement robust physical, administrative, and technological security controls, including 256-bit TLS/SSL encryption for data in transit, encrypted databases at rest, role-based access restrictions, and strict compliance with the FTC Safeguards Rule.

6. State Consumer Privacy Rights (CCPA / CPRA)

Residents of California, Virginia, Colorado, and other states have the right to request access to, correction of, or deletion of their personal information, subject to statutory loan-record retention obligations under federal lending laws (RESPA, TILA, HMDA). We do not sell personal data.