PRIVACY POLICY

Effective Date: 10/20/2025
Company Name: Grand Gate Corporation
Website: www.grandgatecapital.com

Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a loan inquiry, or interact with us by phone, text message, or other electronic means. Please read this policy carefully. By using this website, you consent to the data practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

We may collect the following categories of information:

  • Personal Identification Information – Name, email address, mailing address, phone number, date of birth, Social Security Number, and other identifiers used to verify your identity or process a loan application.

  • Financial & Borrower Information – Income, assets, liabilities, credit information, bank statements, mortgage history, and other application-related data.

  • Property-Related Information – Subject property address, appraisals, purchase contracts, and loan purpose.

  • Technical Information – IP address, browser type, usage data, device information, and cookies when interacting with our website.

  • Communication Data – Emails, phone calls, and SMS text messages exchanged with us during the normal course of business.

2. HOW WE USE YOUR INFORMATION

We use your information to:

  • Process mortgage applications and determine eligibility

  • Communicate with you regarding your inquiry or loan file

  • Verify identity and prevent fraud

  • Meet legal, regulatory, and compliance requirements

  • Improve our website experience, customer service, and offerings

3. HOW WE SHARE YOUR INFORMATION

We may share information with:

  • Federal and state regulators as required by law

  • Third-party service providers (e.g., credit bureaus, appraisers, title companies, compliance vendors) as necessary to process a loan

  • Investors or funding partners involved in underwriting or purchasing your mortgage

We do NOT sell your personal information to third parties.

4. MOBILE / SMS PRIVACY DISCLOSURE (REQUIRED LANGUAGE)

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

You may opt out of receiving SMS messages at any time by replying STOP.
Message and data rates may apply.

5. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies or similar technologies to enhance your user experience, analyze site traffic, and improve functionality. You can modify your browser settings to refuse cookies if you prefer.

6. DATA SECURITY

We maintain administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Access to personal information is strictly limited to authorized personnel with a legitimate business purpose.

7. COMPLIANCE WITH LAWS

We comply with all applicable federal and state mortgage lending and privacy regulations, including:

  • The Gramm-Leach-Bliley Act (GLBA)

  • The Fair Credit Reporting Act (FCRA)

  • The Telephone Consumer Protection Act (TCPA)

  • CAN-SPAM Act

  • CFPB Mortgage Servicing & Data Privacy Requirements

8. YOUR RIGHTS

Depending on your state of residence, you may have rights regarding your personal information, including:

  • Requesting access to the data we hold about you

  • Requesting corrections or updates

  • Requesting deletion of certain information (subject to regulatory retention requirements)

9. RETENTION OF INFORMATION

We retain records for the period required by federal and state mortgage regulator retention schedules, even if your loan does not close. Once the legal retention period expires, information is securely destroyed.

10. CONTACT INFORMATION

If you have any questions about this Privacy Policy or our data practices, you may contact us at:

Grand Gate Corporation

1676 Campbell Road

Forest Hill, MD 21050
410.420.2071 or 212.888.8857
fred@grandgatecapital.com

www.grandgatecapital.com

11. UPDATES TO THIS POLICY

We may update this Privacy Policy from time to time. Any changes will be posted to this website with an updated effective date.