This Privacy Notice describes the privacy practices of Freedom Mortgage Corporation ("Freedom Mortgage", "Our", "Us" or "We"). Freedom Mortgage is committed to maintaining the privacy and confidentiality of your personal information.
This Privacy Notice describes how we collect personal information from you, what personal information we collect about you on our websites and mobile application and how we disclose, use, share and protect your personal information.
Please read this Privacy Notice carefully. This Privacy Notice governs how information is collected by and through the Freedom Mortgage Website and Mobile Application (collectively referred to as "the Site") and how that information may be used and shared. By accessing or using any Freedom Site, you agree to the collection, use and disclosure of information in accordance with this Privacy Notice. You also agree that you have read and understood the Terms of Use Use for our website which are incorporated by reference into this Privacy Notice.
For information about your privacy rights in connection with any financial service you receive from Freedom Mortgage, please see our Federal Privacy Notice.
If you are a California resident, please also read our California Privacy Notice.
How we collect information about you?
- We collect information about you that you provide to us directly through the course of providing mortgage and loan origination services and through your use of the Site. For example, we collect information when you:
- apply for a mortgage loan,
- request assistance,
- request information about a product or service we offer,
- use our mobile application,
- respond to surveys, and/or
- when you otherwise communicate with Us.
- Occasionally we gather additional necessary information from public records, credit bureaus, or third parties. We may also collect personal information about you from the following categories of sources:
- advertising networks,
- internet service providers,
- data analytics providers,
- government entities,
- operating systems and platforms,
- social networks, and
- data brokers.
We also collect information about you through your computer or mobile device by the use of cookies and similar tracking technologies. Please refer to the section titled Web Technologies Technologies for additional information.
What information do we collect?
We collect both personal information and non-personally identifiable information. This includes, but is not limited to, the following:
- Contact Information such as first and last name, mailing and/or property address, phone number and email address.
- Personal Information which may include: Social Security number, account log-in, driver's license, state identification card, or passport number, credit card number, and geolocation data.
- Mortgage Application Information such as credit and financial information (e.g., income, assets), homeownership status, professional, educational and employment related information, age, location and approximate value of your property, records of loan products or services purchased, obtained, or considered and insurance information.
- Device/Online Mobile Activity Data such as network activity information, including, but not limited to, Internet Protocol (IP) address, browsing history, search history, and information regarding a consumer's interaction with the Site or advertisements.
- Communications Data like audio (e.g., call recordings), electronic (e.g., online chat messages), visual, or similar information. Call recordings and related communications may be processed using artificial intelligence (AI) tools for purposes such as transcription, quality assurance, compliance monitoring, complaint analytics, and service improvement. Information derived from this processing, such as call summaries and interaction analytics, may also be collected and used for these purposes.
- Demographic Information such as race, ethnicity and sex that is gathered pursuant to Federal law.
- Certain information we collect may be considered ‘sensitive personal information’ under applicable law, including government-issued identifiers, and demographic information collected as required by law.
How do we use the information we collect?
We use personally identifiable and non-personally identifiable information that we collect from you to:
- Deliver products and services to you, including evaluating your eligibility for loan products, maintaining or servicing your account, processing, or fulfilling orders and transactions, verifying customer information, processing payments and providing financing.
- Respond to your inquiries, requests, or other service-related purposes.
- Communicate with you to administer the Site, including notifying you about any updates, changes, or additions to this Privacy Notice.
- Personalize your digital and mobile application experience with us by enhancing the content of the Site to your preferences or developing new products or services based on your interactions with the Site.
- Provide you with information about products or services that we think may be of interest to you.
- Comply with legal and regulatory obligations.
- Carry out any specific purposes for which we have obtained your prior consent.
- Conduct any other legitimate business activities not otherwise prohibited by law.
We may also use your information for business purposes such as:
- Monitor and analyze trends, usage and activities in connection with your use of the Site.
- Help ensure security and integrity to the extent the use of the consumer's personal information is reasonably necessary and proportionate for these purposes.
- Provide, maintain and develop new products, services and features, including debugging to identify and repair errors that impair existing intended functionality.
- Detect and prevent fraud, identity theft and other risks to you or Freedom Mortgage.
- Undertake internal research for technological development and demonstration.
- Commercial purposes such as marketing products and services that may be of interest to you.
- AI-powered Call and Complaint Analytics analyze call recordings and complaint interactions using artificial intelligence and automated processing tools for quality assurance, compliance monitoring and regulatory obligation fulfillment, and resolution analytics.
How do we share your information?
We may share the information we collect about you with affiliates and non-affiliated third parties in the following situations:
- Affiliated companies of Freedom Mortgage, for marketing and other business purposes described in this Notice.
- Service Providers – we engage third party companies to assist with business operations and perform functions on our behalf, including technology hosting, marketing communications, data analytics, and fraud detection, under contractual agreements to restrict their use of your information to the services they are providing us. This includes third-party vendors that provide AI-powered call transcription, analytics, quality assurance, and complaint management services. These vendors are contractually prohibited from using your information for any other purpose.
- Government entities and others for legal or necessary purposes -
- to protect or enforce our rights or property;
- to protect your safety or the safety of others;
- to investigate, prevent, or take action against fraud or other illegal activities;
- in response to a legal process or as otherwise required by law; or
- in the event Freedom Mortgage experiences a business transition or conducts a corporate transaction requiring due diligence, such as a merger, capital investment, acquisition by another company or sale of all or a portion of its assets.
- Credit Reporting Agencies (commonly known as "Credit Bureaus") such as Experian, Transunion, and Equifax, to furnish information about your account or learn about your financial history and for other lawful purposes.
- Marketing and Joint Marketing Partners: We may share your personal information with affiliated companies and non-affiliated third-parties, including under formal joint marketing agreements, for the purpose of marketing products and services to you. Our marketing and joint marketing partners may include insurance companies, other financial products and services providers, real estate companies, and direct marketing companies. For more information about your choices regarding this sharing, please see our Federal Privacy Notice, or if you are a California resident, our California Privacy Notice. Freedom Mortgage does not share the personal information of California residents with affiliated companies or non-affiliated third parties for marketing purposes.
- To conduct any other legitimate business activities not otherwise prohibited by law with advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers.
Notwithstanding anything else in the Privacy Notice, we may disclose aggregate or non-personally identifying information about the users of our Site with third parties for marketing, advertising, research, or other business purposes. This Notice does not restrict our use of such non-identifying information.
We may also disclose your personal information to business partners, service providers, affiliates, and other third parties as described in this Privacy Notice when necessary for lending and/or servicing purposes. Such partners include title and escrow companies and appraisal services.
We are headquartered in the United States, however, certain service providers and technology vendors that assist us in delivery our services may be located in other countries. When personal information is transferred outside the United States, it becomes subject to the laws of the destination country, which may not provide the same legal protections afforded under US federal or state law.
Please Note: We do not share data obtained for two-factor authentication for a marketing or commercial purpose.
How to limit sharing
- When you apply for or obtain a mortgage loan from us, or the servicing of your loan is transferred to us, you have choices regarding the sharing of some personal information for marketing purposes. Please see our Federal Privacy Notice for information on how to limit sharing under federal law.
You may also limit the sharing and sale of your personal information for online marketing and cross-context behavioral advertising purposes by:
- Visiting our cookie consent management platform, accessible via the "Cookie Preferences" link in the footer of our Site, where you can review and update your sharing preferences by category at any time; or
- Enabling the Global Privacy Control (GPC) opt-out preference signal in your web browser or device. If we detect a GPC signal, we will honor it as a valid opt-out of the sale and sharing of your personal information for cross-context behavioral advertising for that browser or device.
If you are a California resident, please also read our California Privacy Notice .
Depending on your state of residence, you may also have additional rights under applicable state privacy law to (i) access, correct, delete, or obtain a copy of your personal information, (ii) opt out of targeted advertising, sale, or sharing of your personal information; and (iii) appeal decisions regarding your privacy rights, subject to applicable law. These rights, and whether they apply to Freedom Mortgage’s lending and servicing information vary by state and may change as state privacy laws are enacted or amended. You may submit a personal information request here or by calling 1-855-690-5900.
Retention of Personal Information
We retain information we collect as described in this Privacy Notice in accordance with applicable law to fulfill the purpose(s) for which it was collected, provide our services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, or to otherwise carry out our legal obligations.
Retention periods vary depending on the nature of information and applicable legal obligations.
How we protect your Information
Freedom Mortgage maintains administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, or destruction.
Web Technologies
Freedom Mortgage uses a variety of online tracking technologies to collect information when you visit or use our website or mobile application to improve your experience.
These tools include:
- Cookies - small text files that websites store on your computer. They are managed by your particular web browser and are typically used to store bits of text. Cookies help us to personalize your experience with our Site and improve your navigation within the Site by tailoring it to your individual preferences. Cookies help you save time if you visit the Site again. For example, if specific programs associated with our Site require a user ID and password, you have the option of requesting that we save that information so that you will not have to re-enter it the next time you access the Site. You can disallow cookies or prevent them from being set by making the appropriate selection from your browser options. However, if you set your browser options to disallow cookies, the functionality of our Site may be limited.
- Web Beacons - (also known as pixels, tags or clear GIFs) A code snippet which is loaded when a user visits a website to gather data from or add functionality to a website. Beacons have diverse functions including third-party tracking, analytics, reporting, remarketing, conversion tracking, optimization, session replay, and on-page functionalities like live chat.
- Embedded Web links when text is used as the link rather than the actual URL.
- Session Replay - Helps us to better understand our users' needs and to optimize our service and the user experience. Session replay technology allows us to record and replay your navigation, clicks, scrolls, and keystrokes during your visit to our site. This tool collects mouse movements, clicks and scrolls; page navigation, duration of stay on pages; keystrokes (excluding sensitive information such as credit card details, passwords, and other personal data); form submissions (excluding sensitive fields which are automatically excluded from recording).
Website Usage
When you browse or visit our Site, we may collect information about your use of our Site through these technologies. This information could include your browser type and language, access times, and the address of the Site from which you arrived. We may also collect information about your Internet Protocol (IP) address, click stream behavior (e.g., the pages you view, the links you click, and other actions you take).
The information we collect may be used to analyze user behavior and trends; identify usability issues and areas for improvement; enhance the functionality and user-friendliness of our Site; evaluate the effectiveness of our content and features.
We may collect information about your online activities over time and across different Sites when you use our Site.
Online Behavioral Advertising
Third-party advertisers, including Google, may also use cookies to collect non-personally identifiable information from your browser, such as pages you visited, tools you have interacted with, the channel or method in which you arrived on our Site, etc., so that they can tailor the ads you see to your preferences and behaviors. Third-party cookies may also track the number of ad impressions, other uses of ad services, and interactions with these ads.
You may update your cookie preferences at any time by clicking the Do Not Sell or Share My Personal Information located in the footer of our Site. To learn more about online interest-based advertising or to opt out through industry opt-out tools, you may also visit: http://optout.networkadvertising.org or https://optout.aboutads.info.
For the Mobile App, you can learn more about which third parties have currently enabled cookies for your mobile device and how to opt-out of some of those cookies by accessing the following website at http://www.networkadvertising.org/mobile-choices choices from your mobile device. On your mobile device you may also select "Limit Ad Tracking" (on iOS devices) or "Opt out of Interest-Based Ads" (on Android).
Disallowing Cookies
You may also manage cookies at the browser level, by clicking the link with the name of your web browser below and following the instructions for your web browser:
For any other web browsers, please check what settings may be available to you for disallowing cookies.
Even if you disable tracking, keep in mind that you may still receive interest-based advertising, including from third parties with whom your information had been previously disclosed or advertising from third parties that is not based on your behavior, interests, and preferences.
The Site does not respond to browser "Do Not Track" (“DNT”) signals. However, Freedom Mortgage does honor the Global Privacy Control (GPC) opt-out preference signal. If your browser or device is configured to broadcast a GPC signal, we will treat it as a request to opt out of the sale and sharing of your personal information for cross-context behavioral advertising purposes, consistent with applicable state law. The GPC opt-out applies only to the specific browser or device from which the signal is transmitted.
Linking to other sites
The Site may contain links to third-party websites. Freedom Mortgage disclaims liability for any information, materials, products or services posted or offered at any of the third-party websites linked on the site. By creating a link to a third-party website, Freedom Mortgage does not endorse or recommend any products or services offered or information contained at the website, nor is Freedom Mortgage liable for any failure of products or services offered or advertised at those websites. Freedom Mortgage may remove any third-party link at any time. If you follow links to third-party sites not affiliated with Freedom Mortgage, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site and be less secure. If you decide to visit a third-party website via a link contained on Freedom Mortgage's Site, you do so at your risk.
Customer Service
If you have any questions about this Privacy Notice, please contact us at 1-855-690-5900.