(972) 384-0993

TX Disclosures

REVERSE MORTGAGE AUTHORITY

PRIVACY POLICY

This Privacy Statement describes how Layton Financial Services Corp DBA Layton Mortgage, a Texas Corporation uses the information you provide.

INFORMATION GATHERED

Layton Mortgage does not sell the personal information to anyone. All use of your information is solely for the purposes of your interest in working with us to do a mortgage loan.

You may choose to provide information about yourself to be contacted by Layton Mortgage regarding loan products and/or services, to receive a response to your question or inquiry, or to gain access to your online account. Such information may include the following:

-Your name

-IP address

-Contact information including phone number email address

-Geolocation data

-Professional or employment-related information

-Financial information

-Other information you choose to provide via a telephone call, letter or e-mail to Layton Mortgage.

-If you are a borrower or a potential borrower and your loan officer submits a loan application to Layton Mortgage on your behalf, Layton Mortgage may also receive any or all of the following categories of personal information in order to evaluate your loan application and credit worthiness, potentially approve and close a loan for you.

- Contact information: name, property address, email address, telephone numbers

-Credit information: credit score, social security number, prior addresses, account information, birth date -Financial information

-Employment and education information

-Tax information Forms of personal identification such as driver’s license or passport, visa information -Information about your property or the property you are attempting to purchase obtained through publicly available sources and/or an appraisal

-Information about your use of Layton Mortgage’s websites

Because of the financial nature of our business, Layton Mortgage’s websites are not designed for use by children under the age of 13 and those not of legal age to contract. Therefore, Layton Mortgage does not knowingly attempt to solicit or receive any information from children. Additionally, Layton Mortgage does not have services available for those younger than the legal age to contract and as such does not knowingly attempt to solicit or receive any information from those under the age of 16.

HOW INFORMATION IS COLLECTED

The personal information Layton Mortgage receives about you is provided: by you directly to Layton Mortgage; on your loan application; online forms you complete; documentation provided in connection with the underwriting process or for consideration of a mortgage loan; information and/or documentation you provide to be approved to submit loans to Layton Mortgage; emails and letters you send to Layton Mortgage; phone calls with Layton Mortgage; and your activity on Layton Mortgage websites.

MANDATORY AND OPTIONAL INFORMATION

Layton Mortgage identifies for you what information is required to fulfill any particular request on our website, be considered for approval to submit loans to Layton Mortgage, and be considered for a residential mortgage loan. If you choose not to provide mandatory information, Layton Mortgage will not be able to provide you the service you are requesting.

USE

Primarily, the information you provide will be used to: contact you and better understand your mortgage brokerage needs; review your loan application or broker application for approval; and submit your loan request to wholesale lenders we are approved with. You understand that by submitting your information through this Website or one of Layton Mortgage’s other company websites or by other means to Layton Mortgage, you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to Layton Mortgage through this Website, a telephone call, an e-mail, letter or by any other means permitted by Layton Mortgage, you authorize Layton Mortgage to engage in the following uses of your information:

-to improve its products and services

-to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements to you

-to contact you to perform services you request of Layton Mortgage including but not limited to reviewing credit worthiness for requested loan approval, respond to your inquiries/requests, submit your loan file to wholesale lenders for them to underwrite your loan application.

-to complete any other task requested of Layton Mortgage or necessary to perform the underlying services for which you have contacted Layton Mortgage directly or indirectly via your loan officer.

-If you do not wish to receive information regarding Layton Mortgage products and services, you may opt-out during your account registration, within any future communications or by sending an Email to info@Layton-Mortgage.com . Please designate within your opt-out request your email address, property address, loan number (if applicable), and telephone number as well as from what communications you wish to opt-out. You may also update your contact preferences by logging into your account. Layton Mortgage does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.

While we respect and honor your privacy preferences as you have expressed, there may be times we need to contact you to inform you of a specific change that may have an impact on your ability to use Layton Mortgage’s services or other critical non-marketing purposes. We may also contact you to respond to any specific request you may submit.

SECURITY

Layton Mortgage has measures in place directed to safeguarding the information you provide. Such measures include, but are not limited to, implementing policies and procedures regarding data security.

Please note, no data transmission over the Internet or any wired or wireless network can be guaranteed to be 100% secure. Layton Mortgage recommends you do not send any confidential information and/or nonpublic personal information by e-mail. If you choose to send confidential information and/or nonpublic personal information to Layton Mortgage via e-mail, you accept all risk that such information may be intercepted by a third party.

SERVICE PROVIDERS

For certain aspects of the loan process and to provide certain services to you, Layton Mortgage employs or utilizes service providers including, but not limited to, appraisal management companies, title companies, closing attorneys, due diligence firms, sub-servicers, consultants, temporary workers, attorneys, third-party developers and technology companies and others as necessary. For example, we may utilize service providers to send Emails to you. In order for service providers to assist Layton Mortgage, we may need to share your personally identifiable information. Service providers are not authorized and are strictly prohibited from utilizing your personally identifiable information for any purpose other than those proscribed by Layton Mortgage in connection with the services they provide on Layton Mortgage’s behalf. Layton Mortgage does not sell or share a borrower’s personal information with third-parties for their promotional or marketing use without your consent.

LEGAL DISCLOSURE

At times, Layton Mortgage may be required to disclose your personal information to including, but not limited to, state and federal agencies, regulatory authorities, attorneys, and/or other parties as the result of a legal obligation, subpoena, or legal requirement.

WEB TECHNOLOGIES

-Cookies: A “cookie” is a small file that is assigned by the web server to your computer. The use of cookies allows Layton Mortgage to identify which pages of the site are accessed. That information is then used to improve the Website and your online experience. Assigning a cookie to your computer does not provide Layton Mortgage access to your computer or any of the information contained on your computer and your computer is not harmed by Layton Mortgage’s use of cookies. Most web browsers afford you the option of modifying your settings to reject cookies should you choose. However, declining cookies may interfere with your ability to take full advantage of the features of this Website.

-Website Usage Data: Our websites may track usage data, including but not limited to, your IP address, your page views and links clicked, your browser type and version, and other aspects of how you interact with Layton Mortgage’s websites. Layton Mortgage utilizes this information in the aggregate and on an individual level to better understand how our website is being used, to improve site offerings, for troubleshooting and other issue resolution purposes. This data may also be utilized to help Layton Mortgage provide coaching on the various tools the site has to offer and provide you with a more personalized website experience or assist with technical support questions. We may also utilize it to send you specific offers or promotions. If you do not wish to receive offers or promotions, simply indicate your preferences through your online account or send an Email to info@Layton-Mortgage.com . You can also follow the instructions at the bottom of any particular Email from Layton Mortgage to manage your notification preferences. Again, Layton Mortgage does not share your information with third-party companies for their marketing or promotional use and we do not track URLs that you type into your browser, nor do we obtain any information about your usage across the internet once you leave Layton Mortgage’s websites.

CHANGE IN CONTROL

Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of Layton Mortgage. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.

SOCIAL MEDIA AND THIRD-PARTY LINKS

Layton Mortgage has a presence on various social media outlets in an effort to connect with our clients, customers and to connect with potential clients. Your activity on third-party websites is governed by the security, policies and terms of use of each third-party website. You should review the privacy policies of the third-party website before using it and ensure you understand how your information may be used before providing it. The information posted on or directed on Layton Mortgage social media profiles is generally available to the public. To protect your privacy, do not include information sensitive personal information or any other information you want to keep provide in your social media activity, comments or response. Any information shared on Layton Mortgage’s social media pages may be archived independently on, and retention of such information is governed by, the third-party website.

You might find links to third party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. Layton Mortgage does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever as Layton Mortgage has no control over third-party websites.

CHANGES TO OUR PRIVACY STATEMENT

Layton Mortgage reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.

TERMS AND CONDITIONS

Please see the Layton Mortgage Terms of Use Statement for other details that are applicable to and regard your use and access of this Website by clicking the link at the bottom of this page.

RIGHT TO KNOW ABOUT PERSONAL INFORMATION COLLECTED, DISCLOSED OR SOLD

You have the right to request Layton Mortgage disclose what personal information it collects, uses, discloses, and sells. Layton Mortgage has outlined above the general categories of information collected from you directly or received by Layton Mortgage via your licensed loan officer. Layton Mortgage does not sell your personal information and only discloses to third parties who are performing services on behalf of Layton Mortgage or assisting Layton Mortgage with another business need or purpose.

CALIFORNIA CONSUMERS:

If you would like additional information about what personal information Layton Mortgage collects and how it is used, disclosed (Layton Mortgage does not sell your personal information), you can submit a verifiable consumer request via telephone by calling 972 769 5242 ext. 101 and asking for our Consumer Advocate Team or by email to info@Layton-Mortgage.com

You may also designate an authorized agent to make a request under the California Consumer Privacy Act (CCPA) by following Layton Mortgage’s third-party authorization processes.

In order to respond to your request for information, Layton Mortgage will need sufficient information to verify your identify. Please include with your request your name, property address, NMLS number (if applicable), loan account number (if applicable), last four digits social security number and/or any other information that may help Layton Mortgage verify your identity.

RIGHT TO REQUEST DELETION OF PERSONAL INFORMATION

California Consumers: You have the right to request the deletion of your personal information. However, please understand that as a licensed mortgage broker, Layton Mortgage is required to comply with applicable rules, regulations, and guidelines, which dictate how Layton Mortgage retains your personal information and account information. You can submit a verifiable consumer request via telephone by calling 972-769-5242 ext. 101 and asking for our Consumer Advocate Team or by email to

info@Layton-Mortgage.com.

You may also designate an authorized agent to make a request under the California Consumer Privacy Act (CCPA) by following Layton Mortgage’s third-party authorization processes. In order to respond to your request for information, Layton Mortgage will need sufficient information to verify your identify. Please include with your request your name, property address, NMLS number (if applicable), loan account number (if applicable), last four digits social security number and/or any other information that may help Layton Mortgage verify your identity.

NON-DISCRIMINATION STATEMENT

Layton Mortgage does not discriminate against any consumer exercising their privacy rights conferred by the CCPA.

AGREEMENT

By using this Website, you agree to Layton Mortgage’s Privacy Statement and to the use of the information Layton Mortgage receives and collects as stated herein and in ways Layton Mortgage may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. Layton Mortgage reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.

QUESTIONS?

Should you still have questions regarding Layton Mortgage’s use of your information, privacy policies and practices, you may contact Layton Mortgage using the below information:

info@Layton-Mortgage.com

FORREST LAYTON - 457575

Broker / Owner

Reverse Mortgage Specialist

(818) 274-9969

Forrest@RMA123.com

COPYRIGHT 2024 | LAYTON FINANCIAL SERVICES CORP DBA LAYTON MORTGAGE | DBA REVERSE MORTGAGE AUTHORITY NMLS#1922806