Privacy policy.

When you interact with Pillar Mortgage Group, LLC ("PMG," "we," "us," or "our") through our website, forms, phone calls, or loan application process, we may collect the following categories of personal information:

Personal and Contact Information

• Full name, mailing address, email address, and phone number
• Date of birth and Social Security Number (for loan application purposes)
• Government-issued identification documents

Financial Information

• Income, employment history, and employer information
• Bank account and asset statements
• Credit history and credit score (obtained with your authorization)
• Existing mortgage, debt, and liability information
• Property information, purchase contracts, and appraisal data

Website and Usage Data

• IP address, browser type, and operating system
• Pages visited, time spent on site, and referring URL
• Cookie identifiers and similar tracking technologies (see Section 5)
• Form submissions and inquiry data

We use the information we collect for the following purposes:

Loan Processing and Service Delivery

• Evaluating your loan application and determining eligibility
• Communicating with you about your loan status, required documents, and next steps
• Verifying your identity and the accuracy of information provided
• Coordinating with lenders, underwriters, title companies, and other service providers involved in your transaction
• Complying with state and federal mortgage lending laws and regulations

Communication and Support

• Responding to your inquiries and providing customer support
• Sending you important notices, updates, and disclosures related to your loan
• Contacting you by phone, email, or text message, subject to your consent and TCPA provisions (see Section 7)

Marketing and Business Improvement

• Sending promotional materials, rate updates, and educational content about mortgage products (you may opt out at any time)
• Analyzing website usage to improve our services and user experience
• Measuring the effectiveness of our marketing campaigns

We may share your personal information with the following categories of recipients:

Loan Transaction Partners

• Mortgage lenders and investors, to evaluate and fund your loan
• Title and escrow companies, to facilitate closing
• Appraisers, to determine property value
• Credit reporting agencies, to obtain your credit report with your authorization
• Mortgage insurance companies, where applicable to your loan type

Service Providers

• Loan origination software and CRM providers who process data on our behalf
• Document management, email, and communication platforms
• Website hosting, analytics, and marketing service providers

Legal and Regulatory Requirements

• Government agencies, regulators, or courts as required by law
• Law enforcement when legally required or to protect the rights and safety of our clients or company
• Fraud prevention and compliance obligations under applicable federal and state law

All third parties with whom we share information are required to handle it in accordance with applicable law and our data protection requirements. We do not authorize these parties to use your information for their own marketing purposes.

We take the security of your personal and financial information seriously. We implement industry-standard physical, electronic, and procedural safeguards to protect your data from unauthorized access, disclosure, alteration, or destruction.

• Secure, encrypted transmission of sensitive data (SSL/TLS)
• Password-protected, access-controlled systems for storing loan data
• Limited staff access to personal information on a need-to-know basis
• Use of NMLS-registered, compliant loan origination technology
• Regular review and updating of our security practices

While we take every reasonable precaution, no method of data transmission or storage is completely secure. If you have reason to believe your information has been compromised, please reach us right away through our contact page.

Our website uses cookies and similar tracking technologies to enhance your experience, analyze site usage, and support our marketing efforts.

Types of Cookies We Use

• Essential cookies, required for the website to function properly
• Analytics cookies, which help us understand how visitors interact with our site, such as Google Analytics
• Marketing cookies, used to deliver relevant advertisements and measure campaign effectiveness

You may control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing ones. Disabling certain cookies may affect the functionality of our website. Our site does not currently respond to "Do Not Track" signals.

Depending on your state of residence, you may have the following rights with respect to your personal information:

• Right to Access, to request a copy of the personal information we hold about you
• Right to Correction, to request that we correct inaccurate or incomplete information
• Right to Deletion, to request deletion of your personal information, subject to legal retention requirements
• Right to Opt-Out, to opt out of marketing communications at any time
• Right to Non-Discrimination, meaning we will not discriminate against you for exercising any privacy rights

To exercise any of these rights, please submit your request using our privacy request form below. We will respond within 30 days. We may need to verify your identity before processing certain requests. Please note that some information must be retained to comply with federal and state lending laws.

California residents have additional rights under the California Consumer Privacy Act (CCPA). Please see our CCPA Notice for details.

By submitting a contact form, lead form, or loan inquiry on our website, you expressly authorize Pillar Mortgage Group, LLC and its representatives to contact you at the phone number provided, including via:

• Live telephone calls
• Automated or pre-recorded calls
• Text messages (SMS and MMS)

This authorization applies even if your number is listed on a state or federal Do Not Call registry. Your consent is not a condition of receiving any product or service. Message and data rates may apply. Message frequency may vary.

To opt out of text messages, reply STOP at any time. To opt out of marketing calls, reach us through our contact page and request to be placed on our internal Do Not Call list.

Our services are intended for adults, 18 years of age and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please reach us right away so we can delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

Your continued use of our website or services following any changes constitutes your acceptance of the revised policy.