Privacy Policy

Introduction

HQ Lending, LLC ("HQ Lending," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our website or submitting a loan inquiry, you acknowledge and agree to the practices described in this Privacy Policy.

Information We Collect

We collect information you provide directly to us, including:

• Personal Information: Name, address, email address, phone number, Social Security Number, date of birth, and government-issued identification
• Financial Information: Employment history, income, credit history, bank account information, and loan application details
• Property Information: Property addresses, purchase prices, renovation budgets, and rental income data
• Technical Information: IP address, browser type, operating system, and website usage data collected automatically

How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application and match you with appropriate lenders
• Communicate with you about your loan status and available programs
• Comply with legal and regulatory requirements, including NMLS and state licensing obligations
• Prevent fraud and ensure the security of our services
• Improve our website and service offerings
• Send you marketing communications (with your consent; you may opt out at any time)

Information Sharing and Disclosure

We may share your information with:

• Lenders and financial institutions we work with to process and fund your loan
• Credit bureaus and reporting agencies as required for loan processing
• Service providers assisting in loan processing (appraisers, title companies, settlement agents)
• Government agencies and regulatory authorities as required by law (including NMLS)
• Legal and regulatory authorities when required by subpoena, court order, or applicable law

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications at any time
• Request a portable copy of your personal information

Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and improve our services. You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain parts of our website.

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