Effective Date: January 1, 2024

Premier Point Mortgage (“we,” “us,” “our”) respects your privacy and is committed to protecting the personal information you share with us through our website, mobile platforms, and communications. This Privacy Policy outlines how we collect, use, store, and protect your information and your rights regarding that data.

1. Information We Collect

We may collect the following types of information when you interact with Premier Point Mortgage:

Personal Information

• Full name
• Email address
• Phone number
• Mailing address
• Employment and income information
• Social Security number (only when required for mortgage applications)
• Financial details (bank account info, credit history, assets)
• IP address and device identifiers

Mobile and SMS Communication

When you opt in to receive mobile or SMS communications:

• We collect your mobile phone number
• Your consent to receive messages (including promotional and service-related)
• Preferences regarding frequency and content of messages

2. How We Use Your Information

We use your information to:

• Process mortgage applications and provide related services
• Respond to inquiries and provide customer support
• Send important updates and alerts about your application or loan
• Send SMS or email messages (with your consent)
• Improve website functionality and user experience
• Comply with legal obligations and prevent fraud

3. SMS and Mobile Communication Policy

By providing your mobile number and opting in, you consent to receive text messages from Premier Point Mortgage, including updates, reminders, alerts, and promotional content.

Mobile Opt in, SMS Consent,  and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

SMS Consent

• Message frequency varies and depends on your interactions with us
• Message and data rates may apply
• You may opt out at any time by replying STOP to any text message

Mobile Opt-In Disclosure

• We do not share, sell, or rent mobile numbers with any third party or affiliates for marketing purposes
• Your phone number will be used solely for communication related to your inquiry, loan process, or Premier Point Mortgage updates

4. Sharing of Information

We do not sell or rent your personal information to third parties for marketing purposes. We may share your information under the following limited circumstances:

• With third-party service providers who perform services on our behalf (e.g., loan processors, verification services)
• To comply with legal requirements or enforce our rights
• With your explicit consent

All third parties must comply with our strict confidentiality and data protection standards.

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and gather data such as:

• Browser type and device information
• Page visits and session durations
• IP address and referral sources

You can disable cookies in your browser settings, but certain features of our site may not function properly without them.

6. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Security

We use industry-standard security practices to protect your personal information, including:

• Secure socket layer (SSL) encryption
• Firewalls and malware detection
• Restricted access to sensitive data
• Regular security audits and staff training

8. Your Choices and Rights

You have the right to:

• Access and review your personal data
• Correct or update inaccurate information
• Opt out of marketing emails or texts at any time
• Request deletion of your data (where applicable)

To make a request, contact us at homes@premierpointmortgage.com

9. Children’s Privacy

Our services are intended for individuals 18 years or older. We do not knowingly collect information from children under 13. If we learn that a child has provided personal data, we will delete it promptly.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy occasionally. Changes will be posted on this page with an updated effective date. Continued use of our site after changes are posted constitutes your acceptance of the revised policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, you may contact us at:

Premier Point Mortgage
990 Raritan Rd. Clark, NJ 07060
homes@premierpointmortgage.com