Privacy Policy

Overview

Mohammad Abdelfattah, NMLS #1426884, operating as a competitive mortgage broker with NEXA Mortgage, is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you use our website and mortgage services.

This policy complies with the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), and the Gramm-Leach-Bliley Act requirements for financial services.

Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact information (name, address, phone number, email)
• Financial information (income, assets, debts, credit information)
• Employment information (employer, job title, employment history)
• Government identifiers (Social Security Number, driver's license)
• Property information (intended purchase details, current home information)
• Website usage data (cookies, IP address, browsing behavior)

Sensitive Personal Information (CCPA)

We may collect sensitive personal information including:

• Social Security Numbers and government identifiers
• Financial account information
• Credit reports and credit scores
• Precise geolocation data

How We Use Your Information

We use your personal information for the following business purposes:

• Processing mortgage loan applications and providing financing services
• Communicating with you about your loan application and services
• Complying with legal and regulatory requirements
• Fraud prevention and security measures
• Improving our website and services
• Marketing our services (with your consent)

Information Sharing and Disclosure

We may share your information with:

• Lenders and Financial Institutions: To process your loan application
• Service Providers: Credit agencies, appraisers, title companies, and other professionals necessary for loan processing
• Regulatory Bodies: As required by law or regulation
• NEXA Mortgage: Our licensed mortgage company
• Legal Authorities: When required by law or to protect our rights

We do not sell your personal information to third parties.

Your California Privacy Rights (CCPA)

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

• Right to Know: Request information about how we collect, use, and share your personal information
• Right to Delete: Request deletion of your personal information (subject to legal retention requirements)
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt-out of the sale or sharing of personal information
• Right to Limit: Limit the use of sensitive personal information
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights

How to Exercise Your Rights

To exercise your California privacy rights, contact us:

• Contact Form: Available on our Contact page
• Phone: (949) 579-2057
• Mail: [NEXA Mortgage Address - To be provided by attorney]

Data Retention

We retain your personal information for the following periods:

• Loan Applications: 25 months after application date (HMDA requirement)
• Closed Loans: 3 years after loan closing (regulatory requirement)
• Marketing Communications: Until you opt-out or request deletion
• Website Data: As outlined in our Cookie Policy

Security Measures

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Access controls and authentication measures
• Regular security assessments and updates
• Employee training on data protection

Cookies and Website Technology

Our website uses cookies and similar technologies to:

• Improve website functionality and user experience
• Analyze website traffic and usage patterns
• Provide personalized content and recommendations
• Remember your preferences and settings

You can control cookies through your browser settings. For more information, see our Cookie Policy.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in compliance with applicable privacy laws.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will post the updated policy on our website with a new "Last Updated" date. For material changes, we will provide additional notice as required by law.

Contact Information

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

Regulatory Information

This privacy policy is designed to comply with:

• California Consumer Privacy Act (CCPA)
• General Data Protection Regulation (GDPR)
• Gramm-Leach-Bliley Act (GLBA)
• Fair Credit Reporting Act (FCRA)
• Other applicable federal and state privacy laws

NMLS Consumer Access: Verify our license and view regulatory information atwww.nmlsconsumeraccess.org