Privacy Policy

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Effective Date: January 1, 2026

United Mortgage of America, LLC (“United Mortgage,” “we,” “our,” or “us”) values the trust you place in us and is committed to protecting the privacy, confidentiality, and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard nonpublic personal information (“NPI”) in connection with providing mortgage-related services and operating our website.

This policy is provided in accordance with applicable federal and state privacy and data protection laws, including the Gramm-Leach-Bliley Act (GLBA) and related regulations.

Protecting your personal information is fundamental to our business. We maintain administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of nonpublic personal information in accordance with applicable federal and state requirements.

Access to personal information is limited to employees, contractors, and service providers who have a legitimate business need to know the information in order to provide services. All personnel are required to comply with confidentiality and information security obligations.

We collect nonpublic personal information as necessary to provide mortgage brokerage services, process applications, comply with legal requirements, and operate our website. This information may include, but is not limited to, the following categories:

Information You Provide Directly
Information collected when you complete applications or forms online or in person, communicate with us by phone or email, meet with us, or submit information through our website or affiliated platforms. This may include your name, contact information, Social Security number, date of birth, employment information, income, assets, and other financial details.

Information From Transactions
Information related to your interactions with us or others, including loan application details, loan terms, communications, underwriting status, and transaction history.

Information From Consumer Reporting Agencies
Information obtained from consumer reporting agencies, such as credit reports, credit scores, payment history, and public record information, as permitted by law.

Information From Third Parties
Information received from employers, financial institutions, lenders, verification services, or other third parties to verify information you provide or to evaluate your application.

We use nonpublic personal information for lawful business purposes, including to:

• Process and facilitate mortgage applications and related services
• Verify identity, creditworthiness, income, assets, and employment
• Communicate with you regarding inquiries, applications, or services
• Comply with federal and state laws, regulations, and reporting requirements
• Detect and prevent fraud, identity theft, or unauthorized transactions
• Improve our services, systems, and customer experience
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We do not sell your personal information. We may disclose nonpublic personal information as permitted or required by law, including in the following circumstances:

• To lenders, investors, servicers, processors, underwriters, and other service providers involved in evaluating, processing, or servicing a mortgage request
• To vendors or partners who perform services on our behalf, subject to confidentiality obligations
• To credit bureaus, government agencies, regulators, or other parties as required by law or legal process
• In connection with a merger, acquisition, sale of assets, or similar business transaction

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by applicable law and record retention requirements.

We restrict access to personal information to individuals who need the information to perform their job responsibilities. We maintain safeguards designed to protect against unauthorized access, use, or disclosure of information, including secure data storage, access controls, and monitoring practices.

While we take reasonable measures to protect information, no system or method of transmission over the internet is completely secure. We cannot guarantee absolute security.

Our website may contain links to third-party websites or use third-party tools or platforms. United Mortgage does not control and is not responsible for the privacy practices, content, or security of third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.

By accessing our website, submitting information, or using our services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy, subject to applicable law.

Where required by law, additional notices or consents will be provided at the time information is collected.

We may update this Privacy Policy from time to time to reflect changes in legal requirements, business practices, or technology. Any changes will become effective upon posting the revised policy on our website. We encourage you to review this policy periodically.

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

United Mortgage of America, LLC
9820 Northcross Center Court, Suite 209
Huntersville, NC 28078

Email: Info@UnitedMtg.net
Phone: 800-579-1622