Privacy Policy

This Privacy Policy governs the manner in which Klutch Mortgage LLC ("Klutch Mortgage," "we," "us," or "our"), operated by PJ Le'Gre'Air (NMLS #186391), powered by Edge Home Finance (NMLS #891464), collects, uses, maintains, and discloses information collected from users (each, a "User") of the Klutch Mortgage website and all related products and services.

This privacy policy applies to the Site and all products, services, forms, landing pages, and communication channels operated by Klutch Mortgage LLC, including but not limited to SMS text messaging, email, phone calls, voicemail, and appointment scheduling systems.

Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, mailing address, and other information you voluntarily provide when filling out a form, applying for a mortgage, subscribing to communications, requesting a consultation, or engaging with our services.
• Financial Information: Income information, credit history details, employment information, and other financial data necessary to process your mortgage application or provide lending services.
• Non-Personal Identification Information: Browser name and type, device type, operating system, Internet service provider, IP address, pages visited, referring URLs, and other technical data collected automatically when you interact with our Site.

How We Collect Information

We collect information from Users in a variety of ways, including but not limited to:

• When Users visit our Site
• When Users fill out a form or submit an application
• When Users subscribe to communications (email, SMS)
• When Users schedule an appointment or consultation
• When Users interact with our advertisements or marketing materials
• When Users contact us via phone, email, or online chat
• Through cookies and similar tracking technologies

Users may visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site-related activities or services.

How We Use Information

Klutch Mortgage LLC may collect and use Users' personal information for the following purposes:

• To process mortgage applications and provide financial services — Information you provide is used to evaluate your mortgage options, process applications, and deliver lending services.
• To improve customer service — Information you provide helps us respond to your customer service requests and support needs more efficiently.
• To personalize user experience — We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
• To improve our Site — We may use feedback you provide to improve our products, services, and website functionality.
• To send periodic communications — If a User opts in to our mailing list or SMS program, they may receive emails or text messages that include company news, updates, mortgage rate information, market insights, appointment reminders, and related service information.
• To comply with legal obligations — We may use information as required by federal, state, or local mortgage lending regulations.

Data Sharing Policy

Klutch Mortgage LLC does not sell, trade, or rent Users' personal identification information to others. We do not share customer opt-in data for marketing or promotional purposes with any third parties or affiliates.

We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners and trusted affiliates solely for the purposes outlined above.

We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as processing mortgage applications, sending communications, or managing customer relationships. We may share your information with these third parties for those limited purposes, provided that you have given us your permission.

In connection with mortgage lending services, we may be required to share certain financial information with Edge Home Finance (NMLS #891464), loan investors, credit bureaus, appraisal services, and other parties as required by federal and state mortgage regulations.

Cookies & Tracking Technologies

Our Site may use "cookies" to enhance User experience. A User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies, or to alert them when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

We may also use tracking pixels, web beacons, and similar technologies in our emails and on our Site to collect information about how Users interact with our content. This information helps us improve our services and tailor our communications.

Data Security Practices

We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our Site. Our Site and data transmission processes are secured using industry-standard encryption and security protocols. Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, provide our services, comply with our legal obligations (including mortgage record retention requirements under federal and state law), resolve disputes, and enforce our agreements. When personal data is no longer necessary for these purposes, we will securely delete or anonymize it.

Third-Party Services

Klutch Mortgage LLC uses GoHighLevel as a primary platform for customer relationship management, communication automation, form processing, appointment scheduling, and messaging services. GoHighLevel acts as a data processor on our behalf and stores contact data, conversations, form submissions, and automation workflows in accordance with their own security and privacy practices.

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.

Your Rights & Choices

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate personal information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications at any time
• Opt out of SMS messaging by replying STOP
• Withdraw consent for data processing where consent is the legal basis

To exercise any of these rights, contact us at pj.legreair@edgehomefinance.com or call (615) 638-1360.

Opt-Out Instructions

• SMS: Reply STOP to any text message to unsubscribe from SMS communications.
• Email: Click the "Unsubscribe" link at the bottom of any marketing email, or contact us directly.
• Phone: Request removal from our call list by contacting us at (615) 638-1360.

Children's Information

Protecting the privacy of the very young is especially important. Our services are not directed to individuals under the age of 13. We never knowingly collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13. If we discover that a child under 13 has provided personal information, we will delete it promptly.

Changes to This Privacy Policy

Klutch Mortgage LLC has the discretion to update this privacy policy at any time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your Acceptance of These Terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.