Privacy Policy
Last Updated: April 17, 2026
Anna Kleopoulos ("Anna," "we," "us," or "our") is a mortgage broker and a financial institution subject to the Gramm-Leach-Bliley Act (GLBA) and the CFPB's Regulation P. This Privacy Policy explains how we collect, use, share, and protect your nonpublic personal information when you visit our website or use our services. It also describes your rights under federal and state privacy laws, including the California Consumer Privacy Act (CCPA).
By using this website or providing us with your personal information, you agree to the terms of this Privacy Policy.
1. Our Core Privacy Principles
We do not sell your personal information. We collect only the information necessary to provide mortgage services or to comply with the law. We share your information only with your consent, as necessary to process your loan, or as required by law. We maintain physical, electronic, and procedural safeguards to protect your information. We are committed to transparency about how we handle your data.
2. Information We Collect
We collect nonpublic personal information about you from several sources.
From you directly, on loan applications, intake forms, or through conversations, we collect your name, address, email address, telephone number, date of birth, Social Security number, employment history, income, assets, debts, and information about the property you are buying or refinancing.
From your use of our website, through cookies and similar technologies, we collect your IP address, browser type, device information, pages you visit, and approximate geographic location derived from your IP address.
From consumer reporting agencies, with your authorization, we collect your credit report, credit score, and public records information such as bankruptcies, judgments, or liens.
From other third parties as permitted by law, we collect verification of employment, assets, and income from your employer or financial institutions, as well as appraisals and property information from appraisers and title companies.
3. How We Use Your Information
We use your information to process, underwrite, and close your mortgage loan application; to verify your identity and prevent fraud; to communicate with you about your loan or our services; to comply with federal, state, and local laws, including the Fair Credit Reporting Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act, and anti-money laundering laws; to respond to your inquiries and provide customer support; and to improve our website and services.
We do not use your information for any other purposes without your express consent.
4. How We Share Your Information
We share your nonpublic personal information only as described below. We do not sell your information.
We share your information with wholesale lenders, underwriters, and funding sources as necessary to process your loan. We share your information with title companies, escrow officers, settlement agents, and notaries as necessary to complete your closing. We share your information with credit reporting agencies, employers, financial institutions, and appraisers to verify your information. We share your information with regulators, law enforcement, and courts as required by subpoena or legal process. We share your information with loan servicers and investors who purchase your loan after closing. We share your information with fraud detection and prevention services to protect against fraud.
We do not share your information with third parties for their own marketing purposes. We do not share your information for joint marketing with other financial institutions. Because all of our sharing falls within the permitted exceptions under the GLBA, we do not offer an opt-out for these necessary purposes.
5. How We Protect Your Information
We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information. These safeguards include encryption using Secure Sockets Layer (SSL) or Transport Layer Security (TLS) to protect your data during transmission; access controls that limit access to your information to those employees and contractors who need it to perform their job functions; secure storage on servers protected by firewalls and other industry-standard security measures; regular training of all personnel on privacy and security practices; and a written information security program with an incident response plan. In the event of a data breach affecting five hundred or more customers, we will notify you and the Federal Trade Commission as required by law.
No method of transmission over the internet is completely secure. While we strive to protect your information, we cannot guarantee its absolute security.
6. Retention of Your Information
We retain your information for as long as necessary to fulfill the purposes outlined in this policy, to comply with our legal obligations, to resolve disputes, and to enforce our agreements. Loan-related records are retained for at least seven years after the loan closes or the relationship ends, as required by federal recordkeeping laws including the SAFE Act and the Truth in Lending Act. Some records may be retained longer if required by state law or if necessary for litigation or regulatory matters. After the retention period expires, we securely destroy or de-identify your information.
7. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to remember your preferences and settings, to analyze website usage and improve user experience, and to ensure website security and detect fraud. Cookies are small text files stored on your device. You can control cookies through your browser settings. You may also use your browser's private or incognito mode to limit tracking. We do not use Google Workspace API data to develop, improve, or train general artificial intelligence or machine learning models.
Third-party services such as analytics providers may set their own cookies when you visit our website. We do not control these cookies. Please review the privacy policies of those third parties for more information.
8. SMS and Text Message Consent
By providing your mobile phone number on this website or in connection with our services, you expressly consent to receive text messages from us regarding your mortgage application, documents, follow-ups, and status updates. Your consent is not required as a condition of purchasing any goods or services. Message and data rates may apply. You may opt out at any time by replying "STOP" to any text message you receive. You may receive help information by replying "HELP." We do not share mobile information with third parties for marketing or promotional purposes.
9. Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with additional rights regarding your personal information.
You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, the business purpose for collecting it, and the categories of third parties with whom we have shared it. You have the right to request that we delete the personal information we have collected from you, subject to certain exceptions such as completing a transaction or complying with a legal obligation. You have the right to request that we correct inaccurate personal information we hold about you. You have the right to opt out of the sale of your personal information; we do not sell your personal information, so no opt-out is necessary. You have the right to opt out of the sharing of your personal information for cross-context behavioral advertising; we do not share your information for that purpose. You have the right to limit our use of your sensitive personal information; we use sensitive personal information such as Social Security numbers and financial account numbers only for purposes permitted by the CCPA, such as providing mortgage services. You have the right not to receive discriminatory treatment for exercising any of your CCPA rights.
To exercise your California rights, please contact us by email at [Insert Anna's email address], by phone at [Insert Anna's phone number], or by mail at [Insert Anna's physical business address in Scottsdale, Arizona]. We will verify your identity before processing your request by matching the information you provide with information we already have on file. You may also designate an authorized agent to make a request on your behalf. We will respond to verifiable requests within forty-five days, extendable by an additional forty-five days when reasonably necessary.
10. Children's Privacy
Our website is not intended for children under eighteen years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so that we may delete it.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we will update the "Last Updated" date at the top of this policy and, where appropriate, post a notice on our website. Your continued use of our website after any changes indicates your acceptance of the updated policy.
12. Contact Us
If you have any questions about this Privacy Policy, our data practices, or your rights, please contact us at:
Anna Kleopoulos
Email: [Insert Anna's email address]
Phone: [Insert Anna's phone number]
Mailing Address: [Insert Anna's physical business address in Scottsdale, Arizona]
Anna's NMLS Number: [Insert Anna's individual NMLS number]
Loan Factory NMLS Number: 320841
For regulatory or compliance matters, you may also contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or by phone at (855) 411-2372.
Equal Housing Opportunity. We do not discriminate. We comply with the Federal Fair Housing Act and the Equal Credit Opportunity Act.
