Privacy Policy

1. Introduction

Welcome to Rate Direct (ratedirect.net), operated by Jennifer Kirby (NMLS# 2672337), a licensed loan officer with NEXA Mortgage LLC (NMLS# 1660690) and Loan Factory Inc (NMLS# 320841). We are committed to protecting your privacy and maintaining the confidentiality and security of your personal information.

This Privacy Policy describes the types of personal information we collect, how we use and share that information, and your choices regarding that information. As a financial services provider, we comply with the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, as well as other applicable federal and state privacy laws including the California Consumer Privacy Act (CCPA) where applicable.

By using this site, you acknowledge that you have read and understand this Privacy Policy.

2. Information We Collect

Personal information you provide:

• Contact information: name, email address, phone number
• Financial information: loan amount, property value, income, credit score, DTI ratio
• Property information: address, type, occupancy status
• Transaction records: application history, saved rates, correspondence

Information collected automatically:

• Device and usage data: IP address, browser type, pages visited
• Analytics data via Vercel Analytics (anonymized performance metrics)

3. How We Use Your Information

• Processing mortgage applications and providing rate quotes
• Communicating about your application status and loan options
• Complying with federal and state regulatory requirements
• Improving our services and website functionality

4. How We Share Your Information

We may share your personal information with:

• NEXA Mortgage LLC and Loan Factory Inc - our sponsoring brokerages, for loan processing and compliance
• Wholesale lenders and investors - to obtain loan pricing and process your application
• Credit bureaus - to pull your credit report (with your consent only)
• Service providers - third-party vendors who assist with operations under contractual protections
• Regulatory entities - government regulators or law enforcement as required by law

We do not sell your personal information. No mobile information will be shared with third parties for marketing or promotional purposes.

5. Data Security

We use technical, administrative, and organizational safeguards to protect your personal information. All data is transmitted over HTTPS. Access to your information is limited to authorized personnel who need it to perform their duties.

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable laws and regulations, and maintain appropriate records for regulatory and auditing needs.

7. Your Rights

• You may request access to the personal information we hold about you
• You may request correction of inaccurate information
• You may request deletion of your information, subject to legal retention requirements
• You may opt out of marketing communications at any time

California residents have additional rights under the CCPA, including the right to know what personal information is collected, request deletion, and opt out of certain sharing. To exercise any of these rights, contact us at the information below.

8. Cookies

We use cookies and similar technologies to improve user experience and analyze traffic. You can adjust your browser settings to block cookies, though this may affect site functionality.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top. We encourage you to review this policy periodically.

11. GLBA Privacy Notice

As a financial services provider operating under NEXA Mortgage LLC and Loan Factory Inc, we may provide a separate GLBA Privacy Notice outlining how we collect, share, and protect your financial information. NEXA Mortgage LLC's full privacy policy is available at nexamortgage.com and Loan Factory Inc's at loanfactory.com. In the event of any conflict, the GLBA Privacy Notice will govern.

12. Contact Us

If you have questions about this Privacy Policy, contact us at: