1. Introduction

At Property Finance Choices, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and disclose your personal information when you interact with us through our website, phone, email, or in person.  

2. Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address  
• Financial Information: Income, employment details, credit history, bank account information
• Property Information: Property address, value, type (e.g., residential, commercial)
• Application Information: Mortgage application details, loan amounts, interest rates
• Communication Records: Correspondence with us via email, phone, or chat

3. How We Collect Information

We collect information directly from you when you:

• Apply for a mortgage
• Contact us for information or assistance
• Visit our website
• Communicate with us by phone or email

We may also collect information from third parties, such as:

• Credit bureaus
• Property valuation services
• Anti-fraud databases

4. How We Use Your Information

We use your personal information to:

• Process your mortgage application
• Provide you with information about our products and services
• Respond to your inquiries
• Underwrite and approve your loan
• Manage your account
• Prevent and detect fraud
• Comply with legal and regulatory requirements

5. Information Sharing

We may share your personal information with:

• Lenders: To process your mortgage application and fund your loan
• Credit bureaus: To obtain and verify your credit history
• Property valuation services: To obtain property valuations
• Anti-fraud databases: To detect and prevent fraud
• Law enforcement agencies: As required by law or to prevent fraud

6. Data Security

We take reasonable steps to protect your personal information from unauthorized access and disclosure. However, no method of transmission over the Internet or method of electronic storage is completely secure.  

7. Your Rights

You have the right to:

• Access your personal information
• Correct any inaccuracies in your personal information
• Request that we restrict the processing of your personal information  
• Object to the processing of your personal information  
• Request the deletion of your personal information  

8. Cookies

We use cookies on our website to enhance your browsing experience. You can control cookies through your browser settings.

9. Children’s Privacy

Our Services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.  

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the updated policy on our website.