Privacy Policy

1. Introduction

United Mortgage Plus, a dba of The Rate Factory LLC (“we,” “us,” or “our”), 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 engage our mortgage brokerage services.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, mailing address, Social Security Number, date of birth, and employment information provided in connection with a mortgage application.
• Financial Information: Income, assets, liabilities, credit history, and other financial data necessary to process a mortgage application.
• Usage Data: Information about how you use our website, including IP address, browser type, pages visited, and time spent on pages.
• Communications: Records of correspondence when you contact us by email, phone, or through our website.

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate mortgage loan applications
• Communicate with you about your application or inquiry
• Comply with applicable laws and regulations, including RESPA and TILA
• Provide customer service and support
• Send informational or marketing communications (you may opt out at any time)
• Improve our website and services

4. Information Sharing

We do not sell your personal information. We may share your information with:

• Lenders and Investors: To obtain loan pricing, process applications, and facilitate your mortgage transaction.
• Service Providers: Third parties that assist us with loan origination, compliance, document processing, and technology services, subject to confidentiality obligations.
• Legal Requirements: When required by law, court order, or government authority.

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us at the address below. We will respond to your request within a reasonable timeframe, subject to applicable legal requirements.

7. Cookies

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You can disable cookies through your browser settings, though this may affect some functionality.

8. Contact Us

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