Privacy Policy

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Bright Rate Mortgage LLC

Last Updated: February 2026

Bright Rate Mortgage LLC (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We may collect the following types of information:

• Personal Information: Name, address, phone number, email, date of birth, Social Security number, employment and income details, and other information required for mortgage qualification.

• Financial Information: Credit reports, bank statements, tax returns, and other documents needed for loan processing.

• Technical Information: IP address, browser type, device identifiers, and website usage data collected through cookies or analytics tools.

• Communication Records: Emails, SMS messages, call logs, and form submissions.

How We Use Your Information

Your information may be used to:

• Process mortgage applications and provide lending and real estate services.

• Verify identity, prevent fraud, and comply with legal and regulatory requirements.

• Communicate regarding applications, appointments, reminders, and important updates.

• Improve website performance, customer experience, and service quality.

• Maintain internal records and compliance documentation.

Data will not be shared with third parties for marketing or promotional purposes.

How We Share Your Information

We may share your information only with:

• Lenders, underwriters, and financial institutions involved in your mortgage process.

• Service providers assisting with verification, compliance, secure document handling, or credit checks.

• Regulatory authorities when required by law.

We do not sell or distribute your information for advertising or promotional use.

Data Security

We use administrative, technical, and physical safeguards to protect your information. While we take reasonable precautions, no method of transmission or storage is completely secure.

Your Privacy Rights

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

• Request access to your personal information.

• Request corrections or updates.

• Request deletion of certain information.

• Opt out of non-essential communications.

• Request details about how your data is used.

To exercise these rights, contact: rami@brightratemortgage.com

Cookies & Tracking Technologies

We may use cookies and analytics tools to enhance website functionality and user experience. You may disable cookies in your browser settings, though some features may not work properly.

Third‑Party Links

Our website may contain links to external sites. We are not responsible for the privacy practices or content of those websites.

Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect information from minors.

Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted with a revised “Last Updated” date.

Terms and Conditions

1. We use SMS to confirm appointments, send reminders, and notify clients of schedule updates or important changes.

2. You can cancel the SMS service at any time. Just text "STOP". After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.

3. If you are experiencing issues with the messaging program, you can reply with the keyword “HELP” for more assistance, or you can get help directly at Rami@BrightRateMortgage.com.

4. Carriers are not liable for delayed or undelivered messages.

5. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. If you have any questions regarding privacy, please read our privacy policy