Privacy Policy

NonQM.Loan is a mortgage brokerage operated by Ian Eichelberger, NMLS #368612, located in Columbus, Ohio. We are licensed to originate mortgage loans in Ohio and other states where we hold active licenses. We are subject to applicable federal and state laws governing mortgage lending, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and applicable state privacy laws.

For questions about this Privacy Policy, you may contact us at:

• Phone: (380) 221-8401
• Email: [email protected]
• Address: Columbus, Ohio
• NMLS: #368612

We collect information you provide directly to us, as well as information collected automatically when you use our website.

2.1 Information You Provide

When you submit a loan inquiry, pre-qualification form, or contact form on our website, we may collect:

• Full name, email address, phone number, and mailing address
• Loan purpose, property state, estimated loan amount, and down payment
• Employment type and income information
• Estimated credit score range
• Any additional information you voluntarily provide in free-text fields
• Your express written consent to receive communications from us

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

• IP address and approximate geographic location
• Browser type, operating system, and device type
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies (see Section 8)

2.3 Information From Third Parties

We may receive information about you from third-party sources, including credit reporting agencies (only with your explicit consent), lead generation partners, and referral sources. Any such information is handled in accordance with this Privacy Policy and applicable law.

We use the information we collect for the following purposes:

• Mortgage Services: To evaluate your loan inquiry, pre-qualify you for mortgage programs, and connect you with appropriate lenders
• Communications: To contact you by phone, email, or text message regarding your mortgage inquiry and related services (subject to your consent where required)
• Compliance: To comply with applicable federal and state laws, including RESPA, TILA, FCRA, GLBA, and TCPA
• Website Improvement: To analyze website usage, improve our content and user experience, and measure the effectiveness of our marketing
• Fraud Prevention: To detect, investigate, and prevent fraudulent transactions and other illegal activities
• Legal Obligations: To respond to legal process, enforce our terms, and protect the rights and safety of our users and the public

4.1 Scope of Consent

When you provide your phone number and check the SMS consent checkbox on our contact or pre-qualification forms, you expressly consent to:

• Receiving calls (including calls using an automatic telephone dialing system or pre-recorded voice messages) from NonQM.Loan and its representatives
• Receiving text messages (SMS/MMS), including messages sent using automated technology, from NonQM.Loan and its representatives
• Communications related to your mortgage inquiry, loan status updates, rate information, and related mortgage services

4.2 Not a Condition of Purchase

Your consent to receive calls or text messages is not a condition of purchasing any product or service. You may choose not to provide consent and still receive mortgage services from us through other means of communication.

4.3 Message Frequency

Message frequency varies based on your inquiry and the stage of your loan process. You may receive up to 10 messages per month related to your mortgage inquiry and application status.

4.4 Message & Data Rates

Standard message and data rates may apply to text messages you receive from us. These charges are billed by your mobile carrier and are not charged by NonQM.Loan.

4.5 How to Opt Out

You may opt out of receiving text messages from us at any time by:

• Replying STOP to any text message you receive from us
• Calling us at (380) 221-8401
• Emailing us at [email protected] with "Opt Out" in the subject line

After opting out, you will receive one final confirmation message. You will not receive further marketing text messages, though we may still contact you regarding active loan applications as required by law.

4.6 Help

Reply HELP to any text message to receive assistance, or contact us at (380) 221-8401.

4.7 Supported Carriers

Our SMS program is supported by all major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, and others. Carrier support may vary.

As a mortgage broker, we are subject to the Gramm-Leach-Bliley Act (GLBA), which governs the collection and disclosure of nonpublic personal financial information. We collect nonpublic personal information about you from the following sources:

• Information you provide on applications and other forms
• Information about your transactions with us, our affiliates, or others
• Information from consumer reporting agencies (with your consent)

We do not disclose nonpublic personal information about you to nonaffiliated third parties except as permitted or required by law, including to process your loan application, comply with legal requirements, or with your consent.

We restrict access to nonpublic personal information about you to those employees and service providers who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We do not sell your personal information. We may share your information in the following limited circumstances:

6.1 Lenders and Service Providers

We share your loan inquiry information with wholesale lenders and mortgage service providers as necessary to process your loan application and provide you with mortgage services. These parties are contractually obligated to protect your information and use it only for the purposes for which it was shared.

6.2 Technology Platforms

We use GoHighLevel (GHL) as our customer relationship management (CRM) platform. When you submit a form on our website, your information is transmitted to GHL's servers for storage and follow-up communication management. GHL's privacy policy is available at gohighlevel.com/privacy-policy.

6.3 Legal Requirements

We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe in good faith that such disclosure is necessary to protect our rights, your safety, or the safety of others.

6.4 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website of any such change in ownership.

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purpose for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Opt Out of Sale: We do not sell personal information. If this practice changes, we will update this policy and provide an opt-out mechanism.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise your CCPA rights, contact us at [email protected] or (380) 221-8401. We will respond to verified requests within 45 days.

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. We use the following types of cookies:

• Essential Cookies: Required for the website to function properly. These cannot be disabled.
• Analytics Cookies: We use Umami Analytics to collect anonymous, aggregated data about website usage. Umami does not use cookies and does not collect personally identifiable information.
• Functional Cookies: Used to remember your preferences and improve your experience on return visits.

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include SSL/TLS encryption for data transmission, access controls limiting who can access your information, and regular security assessments.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations (including mortgage record-keeping requirements under RESPA and applicable state law), resolve disputes, and enforce our agreements.

Mortgage application records are generally retained for a minimum of 3 years following the date of the loan application, as required by federal law. SMS consent records are retained for a minimum of 4 years from the date of consent.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child under 18, please contact us immediately at [email protected] and we will take steps to delete such information.

Our website may contain links to third-party websites, including lender websites, real estate resources, and industry publications. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party websites you visit.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email or by posting a prominent notice on our website.

Your continued use of our website after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Equal Housing Lender. This website is not an offer to lend. All loan programs are subject to credit approval, property appraisal, and lender guidelines. Rates and terms are subject to change without notice. NMLS #368612.