PRIVACY POLICY
Vivid Mortgages Inc.
NMLS ID #1279925
Last Updated: 02.23.26
Vivid Mortgages Inc. (“Company,” “we,” “our,” or “us”) is committed to protecting the privacy and confidentiality of your personal information. As a licensed mortgage broker, we comply with applicable federal and state privacy and data protection laws.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information.
1. Information We Collect
We collect nonpublic personal information as necessary to provide mortgage brokerage services.
A. Information You Provide Directly
We may collect information from you when you:
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Submit an inquiry form
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Apply for a mortgage loan
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Contact us by phone, email, or online
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Provide documentation for loan processing
This may include:
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Full name
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Address
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Email address
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Telephone number
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Social Security number
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Date of birth
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Employment and income information
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Asset and bank account information
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Government-issued identification
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Property information
B. Loan Application Information
When you apply for a mortgage loan, you will be redirected to our secure third-party Loan Origination System, ARIVE, where your loan application is completed and processed.
Loan application data is collected and stored within that secure system.
C. Information from Third Parties
We may obtain information from:
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Consumer reporting agencies (credit reports, credit scores)
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Employers (employment verification)
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Financial institutions (asset verification)
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Government agencies
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Fraud prevention and identity verification services
D. Website and Technical Information
When you visit our website, we may automatically collect:
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IP address
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Browser type
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Device information
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Pages visited
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Cookies and usage data
This information is used to improve website performance and security.
2. How We Use Your Information
We use personal information to:
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Process and broker mortgage loan applications
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Verify identity and prevent fraud
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Obtain credit reports
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Communicate regarding loan status
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Comply with legal and regulatory obligations
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Maintain internal records
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Improve website functionality
We do not sell personal information.
3. How We Share Information
We may share your information:
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With wholesale lenders and financial institutions to process your loan
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With credit reporting agencies
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With verification service providers
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With technology vendors supporting our operations
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With regulators or law enforcement as required by law
All third parties are required to maintain appropriate confidentiality and data security safeguards.
4. Federal Privacy Notice (GLBA Summary)
Under federal law, financial institutions must disclose how they share personal information.
Vivid Mortgages Inc.:
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Shares information only for everyday business purposes
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Does not sell personal information
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Does not share for joint marketing
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Does not share with affiliates for marketing
You may contact us with any questions regarding our information-sharing practices.
5. State-Specific Privacy Rights
California Residents (CCPA/CPRA)
California residents have the right to:
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Request access to personal information
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Request correction of inaccurate information
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Request deletion (subject to legal exceptions)
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Request information about data sharing
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Opt out of sale (we do not sell personal information)
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Limit use of sensitive personal information (as applicable)
Requests may be submitted to:
We will verify your identity before processing requests.
Connecticut Residents (CTDPA)
Connecticut residents may:
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Confirm whether we process personal data
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Access personal data
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Correct inaccuracies
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Request deletion
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Obtain a copy of personal data
Submit requests to:
Texas Residents (TDPSA)
Texas residents may:
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Confirm processing of personal data
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Access personal data
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Correct inaccuracies
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Request deletion
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Appeal denied privacy requests
Submit requests to:
6. Data Security
We maintain administrative, technical, and physical safeguards to protect your personal information, including:
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Secure encrypted transmission (SSL)
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Access controls
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Employee confidentiality training
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Secure document retention and disposal
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Incident response procedures
Loan application information submitted through ARIVE is transmitted via secure encrypted connection.
7. Data Retention
We retain personal information for as long as necessary to:
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Provide mortgage services
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Comply with federal and state record retention laws
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Resolve disputes
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Enforce agreements
8. Cookies and Tracking Technologies
Our website may use cookies and analytics tools to:
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Improve functionality
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Analyze traffic
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Enhance user experience
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Protect against fraud
You may disable cookies in your browser settings; however, some features may not function properly.
9. Third-Party Links
Our website may contain links to third-party websites, including our loan application portal. We are not responsible for the privacy practices of third-party websites.
10. Children’s Information
Our services are not directed to individuals under the age of 18. We do not knowingly collect information from minors.
11. Changes to This Privacy Policy
We reserve the right to amend this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.
12. Contact Information
Vivid Mortgages Inc.
NMLS ID #1279925
Licensed Mortgage Broker
Consumers may verify our licensing status at:
https://www.nmlsconsumeraccess.org