Privacy Policy

1. Introduction

Zip Mortgage LLC ("Zip," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.

2. Information We Collect

We may collect information about you in the following ways:

• Information You Provide: Name, email, phone, address, credit score, loan amount, financial information
• Automatically Collected: IP address, device information, browsing behavior, cookies
• From Third Parties: Credit bureaus, employers, banks for verification purposes

3. How We Use Your Information

We use your information to:

• Process loan applications and provide quote estimates
• Verify your identity and creditworthiness
• Communicate with you about your application status
• Comply with legal and regulatory requirements
• Improve our services and customer experience
• Send you marketing communications (with your consent)

4. Information Sharing

We do NOT sell your personal information. We may share your information with:

• Credit bureaus for credit verification
• Loan officers and underwriters for application processing
• Service providers (appraisers, title companies, attorneys)
• Government agencies as required by law
• Our business partners (with your explicit consent)

5. Data Security

We implement industry-standard security measures including encryption, secure servers, and access controls to protect your information. However, no method of transmission over the Internet is 100% secure.

6. Your Rights

You have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Request a copy of your information in a portable format

7. Cookies

We use cookies to improve your experience. You can control cookies through your browser settings. Some cookies are necessary for site functionality.

8. Children's Privacy

Our website is not intended for children under 13. We do not knowingly collect information from children.

9. GLBA Compliance

Gramm-Leach-Bliley Act (GLBA) Notice: We are bound by the GLBA, which requires financial institutions to protect the privacy of customer information. We:

• Restrict access to personal information to authorized employees
• Maintain physical, electronic, and procedural safeguards
• Do NOT share your personal information with unaffiliated third parties without your consent
• Allow you to opt-out of certain sharing practices

10. Your California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information. This section describes your CCPA rights and how to exercise them.

Right to Know

You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which your personal information is collected, the business or commercial purpose for collecting your personal information, and the categories of third parties with whom we share your personal information.

Right to Delete

You have the right to request that we delete any personal information we have collected from you, subject to certain exceptions permitted by law (such as information required to complete a transaction or comply with a legal obligation).

Right to Opt-Out of Sale

Zip Mortgage LLC does not sell your personal information. If this practice changes in the future, we will update this policy and provide you with an opt-out mechanism.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. We will not deny you services, charge you different prices, or provide a different quality of service because you exercised your rights under the CCPA.

How to Submit a Request

To exercise your California privacy rights, you may contact us at:

• Email: privacy@lowerrates.biz
• Phone: (Phone Pending)

We will verify your identity before processing your request. You may also designate an authorized agent to make a request on your behalf. We will respond to verifiable consumer requests within 45 days of receipt.

11. Contact Us

If you have questions about this Privacy Policy or your privacy, contact us at: