Privacy Policy for Lighthouse Data

Effective Date: April 24, 2025

This Privacy Policy explains how Lighthouse Data (referred to as "we," "us," or "our") handles the personal information of users ("you" or "users") who access and use our website. This policy is provided to inform you about our data handling practices. The entity responsible for the content of this website is Lighthouse Data.

1. Information We Collect:

This website may collect the following types of information:

• Personal Information You Provide Directly: You may directly provide us with the following information through contact forms or other means on this website:
  • Name
  • Email Address
  • Income Information (based on data from a prior loan application)
  • Property Values (based on data from a prior loan application)
• Information Shared with Loan Officers: Please be aware that any information you provide directly to licensed Loan Officers through contact forms or other means initiated on this website is also subject to the loan officer's or their affiliated institution's privacy policies. We encourage you to review their privacy policy for details on how they handle your information. The information displayed on this website regarding loan options is derived solely from data you previously provided in a loan application.
• Information Collected Automatically: As you navigate through and interact with our website, we may automatically collect certain information about your visit:
  • Log Data: This includes your IP address, browser type, operating system, referring URLs, pages visited, access times, and other information about your usage of the website.
  • Cookies and Tracking Technologies: We use cookies (small text files stored on your device), web beacons (small graphic images), pixel tags (small blocks of code on webpages), and similar technologies to enhance website functionality, understand website usage, and personalize your experience.
    • Session Cookies: These are temporary cookies that expire when you close your browser. They are used for website functionality.
    • Persistent Cookies: These cookies remain on your device for a longer period and help us remember your preferences and analyze website usage over time.
    • You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. Please note that disabling certain cookies may affect the functionality of our website.
  • Device Information: We may collect information about the type of device you are using, its model, screen resolution, and certain other technical specifications.

2. How We Use Your Information:

We use the collected information for various purposes, including:

• Providing and Improving Services: To operate our website, personalize your experience, respond to your inquiries, and enhance the functionality and content of our website.
• Connecting Users with Loan Officers: To facilitate communication between you and licensed Loan Officers based on your expressed interest in mortgage loan options.
• Processing Inquiries: To respond to your requests for information about mortgage loan options presented through our platform.
• Website Analytics: To analyze trends in website usage, monitor the effectiveness of our content, and gather broad demographic information for aggregate use to improve our website.
• Marketing and Communications (if applicable): With your explicit consent, we may send you promotional emails or newsletters about mortgage-related information or our services. You will have the option to opt-out of receiving such communications at any time.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, or governmental requests.
• Security: To protect the security and integrity of our website and the information of our users, including detecting and preventing fraud and unauthorized access.

3. How We Share Your Information:

We may share your personal information with the following categories of third parties:

• Loan Officers: Information you provide through this website for mortgage loan option inquiries will be shared with licensed Loan Officers to fulfill your request and provide you with relevant information. Please remember that their handling of your information is governed by their own or their affiliated institution's privacy policies.
• Service Providers: We may engage third-party vendors to assist us in operating our website, performing analytics, sending emails, hosting our website, and providing other services. These service providers are contractually obligated to protect your information and are prohibited from using it for any purpose other than providing the services we have requested.
• Legal Requirements: We may disclose your personal information if required to do so by law, legal process (such as a court order or subpoena), or a government request.
• Business Transfers: In the event of a merger, acquisition, reorganization, sale of all or a portion of our assets, or similar event, your information may be transferred to the acquiring entity. We will provide notice to you if such a transfer occurs and your personal information becomes subject to a different privacy policy.
• With User Consent: We may share your personal information with third parties for other purposes if we have obtained your explicit consent to do so.
• Aggregated and Anonymized Data: We may share aggregated or anonymized data that does not directly identify you with third parties for statistical, research, or other purposes.

4. Data Retention:

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to provide you with services, comply with our legal obligations, resolve disputes, and enforce our agreements. The specific retention period will depend on the type of information and the purpose of processing. We will periodically review our data retention practices to ensure that information is not kept longer than necessary. When your personal information is no longer needed, we will securely delete or anonymize it.

5. Your Rights and Choices:

You have certain rights regarding your personal information, which may vary depending on your location and applicable laws. These rights may include:

• Access: You have the right to request access to the personal information we hold about you.
• Correction: You have the right to request that any inaccurate or incomplete personal information we hold about you be corrected.
• Deletion: You have the right to request the deletion of your personal information, subject to certain legal limitations.
• Objection to Processing: You may have the right to object to the processing of your personal information in certain circumstances, such as for direct marketing purposes.
• Restriction of Processing: You may have the right to request the restriction of the processing of your personal information in certain situations.
• Data Portability: In some cases, you may have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit it to another controller.
• Withdrawal of Consent: If we process your personal information based on your consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable law. We may need to verify your identity before fulfilling your request.

6. Data Security:

We have implemented reasonable security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include encryption (where appropriate), firewalls, secure server environments, and access controls. However, please understand that no method of data transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of your information. ¹  

7. Updates to this Privacy Policy:

We reserve the right to update this Privacy Policy at any time to reflect changes in our data practices or legal requirements. When we make changes, we will update the "Effective Date" at the top of this policy. We may also provide you with additional notice of significant changes, such as by posting a prominent notice on our website or sending you an email notification. Your continued use of our website after the posting of any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about our data practices.

8. Contact Information:

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

Lighthouse Data

admin@lhguide.com

Last Updated: April 24, 2025