Privacy Policy

This Privacy Policy applies to information collected by Mortgage Solver, Inc. ("Mortgage Solver," "we," "us," or "our") through our website mors.ca, our online forms, our loan origination process, and any related communications (collectively, the "Services"). Mortgage Solver is a California-licensed mortgage brokerage, NMLS# 2336085, regulated by the California Department of Financial Protection and Innovation (DFPI).

By using our Services or submitting information to us, you agree to the practices described in this policy.

We collect the following categories of information:

• Identifiers: name, address, phone, email, date of birth, Social Security Number or Individual Taxpayer Identification Number (and, for Canadian applicants, Social Insurance Number where required), driver's license or government ID.
• Financial information: income, assets, debts, credit history, bank statements, tax returns, W-2s/1099s, T4s/NOAs, employment information, property details, and loan history.
• Transaction information: the loan product you applied for, status of your application, communications with our loan officers, and documents you upload.
• Internet/device information: IP address, browser type, device identifiers, pages viewed, referring URL, and interactions with our site, collected through cookies and similar technologies.
• Information from third parties: credit bureaus, employers, financial institutions, appraisers, title companies, government agencies, and service providers involved in originating or servicing your loan.

• To evaluate, process, underwrite, and close mortgage loan applications.
• To verify your identity and prevent fraud, money laundering, and identity theft.
• To communicate with you about your application, rate quotes, and required documents.
• To comply with federal, state, and provincial laws, including TILA, RESPA, ECOA, the SAFE Act, the Bank Secrecy Act/AML rules, and applicable Canadian anti-money-laundering rules.
• To improve our website, marketing, and client experience.
• With your consent, to send you newsletters, rate updates, or educational content.

We share information only as needed to deliver our Services or as required by law:

• Lenders and investors evaluating your loan application.
• Service providers such as credit bureaus, appraisers, title companies, escrow agents, document custodians, e-sign providers, and cloud hosting providers — all bound by confidentiality and data-protection obligations.
• Government and regulatory bodies when required by law or to respond to valid legal process.
• Successors in the event of a merger, acquisition, or sale of assets, subject to this policy.

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes.

Under the Gramm-Leach-Bliley Act (GLBA) and Regulation P, we are required to give you notice of our information-sharing practices. We collect nonpublic personal information ("NPI") from you on applications, from your transactions with us, and from consumer reporting agencies.

We disclose NPI only to the categories of affiliates and nonaffiliated third parties described above, and only as permitted by law (for example, to process your loan, service your account, or comply with legal requirements). We maintain physical, electronic, and procedural safeguards that comply with applicable federal and state standards.

If you are a California resident, the California Consumer Privacy Act, as amended by the CPRA, gives you the right to:

• Know what personal information we collect, use, disclose, and (if applicable) sell or share.
• Request a copy of the personal information we have collected about you in the prior 12 months.
• Request deletion of personal information, subject to legal exceptions (including records we must retain under mortgage and lending laws).
• Correct inaccurate personal information.
• Limit the use of sensitive personal information to what is necessary to provide the Services.
• Opt out of the "sale" or "sharing" of personal information — Mortgage Solver does not sell or share personal information as those terms are defined under the CCPA/CPRA.
• Be free from retaliation for exercising your privacy rights.

Much of the information we collect is exempt from CCPA deletion and access rights because it is regulated under GLBA and the Fair Credit Reporting Act (FCRA). To exercise an applicable right, contact us using the information in the "How to Contact Us" section. We will verify your identity before responding.

If you reside in Canada, the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws give you the right to access the personal information we hold about you, request corrections, and withdraw consent (subject to legal and contractual restrictions). Cross-border financing requires us to transfer your information to U.S. lenders, service providers, and regulators; while it is in the United States, your information will be subject to U.S. law, including lawful access requests by U.S. authorities.

By providing your phone number, you consent to receive calls and SMS/text messages from Mortgage Solver, Inc. and our loan officers regarding your inquiry or application, including by autodialer or prerecorded voice. Consent is not a condition of obtaining a loan. Message and data rates may apply. You can opt out of marketing calls by joining the National Do Not Call Registry, opt out of texts at any time by replying STOP, and unsubscribe from marketing emails using the link in any email. We may still contact you about an active loan application or transaction.

We use cookies, pixels, and similar technologies to operate the site, remember your preferences, measure traffic, and improve performance. You can control cookies through your browser settings; disabling them may affect site functionality. We honor Global Privacy Control (GPC) signals for California residents where applicable.

We use administrative, technical, and physical safeguards designed to protect your information, including encryption in transit (TLS), access controls, secure document portals, and vendor due diligence. No system is completely secure; if you believe your information has been compromised, contact us immediately.

We retain personal and financial information for as long as needed to provide the Services and to comply with our recordkeeping obligations under federal and state mortgage, lending, tax, and anti-money-laundering laws — typically a minimum of three to seven years after a loan is closed, withdrawn, or denied, and longer where required.

Our Services are intended for adults 18 years of age or older. We do not knowingly collect personal information from children under 16. If you believe a child has provided us with information, please contact us so we can delete it.

We may update this Privacy Policy from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes will be posted prominently on our website. Your continued use of the Services after the effective date constitutes acceptance of the updated policy.

To exercise a privacy right or ask a question about this policy, contact: