Privacy Policy

At Hall Solutions, we as a Mortgage Loan Officer and Realtor/Notary value your privacy and are committed to safeguarding the personal information you share with us. This Privacy Policy outlines how we collect, use, and share your personal information, and how we ensure that your data is protected.

1. Information We Collect

We collect personal information from you when you engage with our services, including mortgage loan services or real estate transactions. The types of personal information we may collect include, but are not limited to:

• Name
• Contact Information: Email address, phone number, physical address
• Financial Information (for mortgage services): Income, employment status, credit score, loan history
• Real Estate Information (for real estate services): Property details, real estate license number, realtor experience, and buyer/seller preferences
• Demographic Information: Date of birth, nationality, and country of residence
• Government-issued identification: Such as Social Security Number (for mortgage purposes)
• Transactional Information: Payment history, loan application status, or property transaction history
• Device and Usage Information: Information about your device, IP address, browser type, and how you use our website, including the pages you visit and documents downloaded.

2. How We Use Your Personal Information

We use the personal information we collect for the following purposes:

• Providing Mortgage Services: To assess your eligibility for loans, process applications, and facilitate mortgage-related services, such as underwriting, approvals, and servicing.
• Providing Real Estate Services: To assist in buying, selling, or renting properties and provide you with personalized listings, market information, and related advice.
• Communication: To stay in touch with you, answer your inquiries, and send you information about new property listings, loan products, and relevant market updates.
• Improving Our Services: To enhance your experience with our website and services and to analyze trends to ensure we meet your needs.
• Legal and Compliance: To comply with federal, state, and local laws and regulations, including those related to mortgage lending and real estate transactions.

3. Sharing of Information

We respect your privacy and only share your personal information under the following circumstances:

• Internal Staff: Personal information is shared internally only with those team members who need it to perform specific functions, such as loan processing, mortgage servicing, or real estate transaction facilitation.
• Third-Party Service Providers: We may share personal information with trusted third parties that assist us in providing services to you. This includes financial institutions, title companies, insurance companies, credit reporting agencies, and other vendors involved in processing mortgage applications or real estate transactions. These parties are bound by contractual obligations to protect your data.
• Government Authorities: We may disclose personal information if required by law, such as to comply with tax laws, real estate licensing requirements, or other regulatory obligations.
• Law Enforcement and Legal Compliance: We may share personal information with law enforcement or other legal authorities to comply with legal requirements, prevent fraud, or protect against potential legal claims.

4. SMS Consent is Not Shared with Third Parties for Marketing Purposes

SMS Consent: If you provide consent to receive SMS (text) messages from us, we will send you relevant communications, such as loan updates, new property listings, reminders, or offers. We want to assure you that SMS consent is not shared with third parties for marketing purposes. Your contact information will be used solely by us to communicate with you directly and will not be sold or provided to other companies for marketing or promotional purposes.

By submitting your phone number and agreeing to receive SMS communications, you explicitly consent to receive these messages from us. You can opt out of receiving SMS messages at any time by replying "STOP" to any text message you receive.

5. Security of Personal Information

We take reasonable measures to protect the personal information you provide to us, including the use of encryption, secure servers, and other appropriate safeguards. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your personal data, we cannot guarantee absolute security.

6. Your Rights and Choices

As a resident of Florida, you have certain rights regarding your personal information:

• Access: You may request access to the personal information we have on record about you.
• Correction: You have the right to request corrections to your personal information if it is inaccurate or incomplete.
• Deletion: You may request that we delete your personal information, subject to applicable laws and regulations.
• Opt-Out: You can opt out of receiving marketing communications at any time by following the unsubscribe instructions in the communication or contacting us directly.

To exercise any of your rights or for any inquiries about your personal information, please contact us using the details provided below.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal information.

Contact Us

If you have any questions or concerns about this Privacy Policy or how your personal information is handled, please contact us at: info@thehallsolutions.com

By using our services, you acknowledge and agree to the terms outlined in this Privacy Policy.