Privacy Policy

Introduction

Preme Home Loans ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or interact with us in any way. By using our website or services, you consent to the data practices described in this policy.

Information We Collect

We collect information that you voluntarily provide to us when you fill out forms on our website, apply for a loan, or contact us. This information may include:

• Personal identifiers: Full name, email address, phone number, mailing address
• Financial information: Income, employment details, credit score range, assets, liabilities, bank statements
• Loan details: Loan amount requested, loan type, property information, down payment amount
• Identity verification: Social Security Number, date of birth, government-issued ID
• Property information: Property address, property type, estimated property value
• Technical data: IP address, browser type, device information, cookies, and usage analytics

How We Use Your Phone Number

When you provide your phone number on any form on our website, you may be contacted via:

• Phone calls, including calls made using automated telephone dialing systems, prerecorded or artificial voice messages, and artificial intelligence technology
• SMS/text messages, including automated text messages regarding your inquiry, application status, or related services
• Emails related to your inquiry, application, or services offered by Preme Home Loans

These communications may come from Preme Home Loans or our lending partners and affiliates. Message and data rates may apply. Message frequency varies based on your interaction with us.

TCPA Compliance & Consent

In compliance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, we obtain your express written consent before contacting you via automated means. By checking the consent checkbox on any of our forms, you provide your express written consent to receive:

• Calls using an automatic telephone dialing system (ATDS)
• Prerecorded or artificial voice messages
• Calls and messages generated using artificial intelligence
• SMS/text messages
• Emails about your inquiry

Consent is not a condition of purchasing any goods or services. You may revoke your consent at any time.

How to Opt Out

You can revoke your consent and opt out of communications at any time by:

• Text messages: Reply STOP to any text message you receive from us
• Phone: Call us at (470) 942-5787 and request to be removed from our contact list
• Email: Send an opt-out request to loans@premerealestate.com

We will process your opt-out request within a reasonable timeframe, typically within 10 business days for calls and texts, and within 10 business days for email.

How We Use Your Information

We use the information we collect for the following purposes:

• Processing and evaluating your loan application
• Communicating with you about your inquiry or application status
• Verifying your identity and financial information
• Matching you with appropriate loan programs and lending partners
• Complying with legal and regulatory obligations
• Improving our website, services, and customer experience
• Preventing fraud and ensuring security

Data Sharing & Disclosure

We may share your personal information with the following parties:

• Lending partners and affiliates: To process your loan application and match you with loan programs
• Service providers: Third-party vendors who assist in operating our website, conducting our business, or serving you (e.g., CRM systems, email providers, analytics)
• Credit bureaus and reporting agencies: As necessary for loan processing and underwriting
• Legal and regulatory authorities: When required by law, regulation, or legal process

We do not sell your personal information to third parties for their own marketing purposes. 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.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. For loan applications, we retain records for a minimum of 25 months after final action is taken on the application, in accordance with the Equal Credit Opportunity Act (ECOA) and Regulation B. After this period, your data may be securely deleted or anonymized. We retain your SMS opt-in data for as long as you remain subscribed to our messaging program. You may request deletion at any time by contacting us.

Electronic Signatures (ESIGN Act)

In accordance with the Electronic Signatures in Global and National Commerce Act (ESIGN Act), 15 U.S.C. § 7001 et seq., your electronic consent provided via our website forms constitutes a valid and enforceable "express written consent" under the TCPA. By checking the consent checkbox and submitting a form, you agree that your electronic signature has the same legal effect as a handwritten signature.

California Consumer Privacy Act (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA):

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you
• Right to Delete: You may request that we delete your personal information, subject to certain exceptions
• Right to Correct: You may request correction of inaccurate personal information
• Right to Opt-Out of Sale: We do not sell personal information. If this changes, we will provide a "Do Not Sell My Personal Information" link
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

To exercise your CCPA rights, contact us at loans@premerealestate.com or call (470) 942-5787. We will verify your identity before processing your request.

Data Security

We implement industry-standard administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption of data in transit and at rest, secure server infrastructure, access controls, and regular security assessments. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand how visitors interact with our site. You can control cookie preferences through your browser settings. Disabling cookies may limit some functionality of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party websites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will promptly delete it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this policy periodically.