Privacy Policy

At Edge Home Finance, LLC, your privacy is a cornerstone of our commitment to you. This Privacy Policy outlines how we collect, use, protect, and disclose information collected from users of our website (https://edgemortgageloans.com/), services, and communications workflows. By using our services, you agree to the terms outlined in this policy. We are dedicated to maintaining the confidentiality and security of your personal and financial information.

We collect various types of information to provide and improve our mortgage brokerage services: Personal Information (PII): This includes information that can identify you directly or indirectly, such as your name, contact details (address, email, phone number), Social Security Number, date of birth, financial information (income, assets, debts, bank accounts), employment history, credit history, and other data necessary for loan application and processing. Non-Personal Information: We may collect data that does not directly identify you, such as browser type, operating system, IP address, referring website, pages viewed, and other analytical data to improve our website performance. This includes information collected through cookies and tracking pixels.

We collect information through the following channels: Directly from You: When you complete a digital loan application, register on our website, interact with our website chat widget, fill out lead capture forms, schedule an appointment, or contact us via phone or email. From Third Parties: We may obtain information from credit bureaus, employers, financial institutions, consumer reporting agencies, and other third-party services as necessary for loan qualification and processing. Automated Technologies: Through cookies, tracking pixels, and web beacons when you visit our website, which help us understand user behavior, optimize rendering performance, and manage site traffic.

The information we collect is primarily used to: Process loan applications and assess eligibility for various loan products. Service your account, manage scheduling, and fulfill client requests. Communicate transactional updates regarding your application, loan status notifications, calendar reminders, and respond directly to your explicit inquiries. Analyze usage patterns, troubleshoot technical issues, and enhance website functionality. Comply with applicable state and federal laws, regulations, and industry standards, including anti-money laundering (AML) and consumer protection laws.

Users visit our website and voluntarily provide their phone number through our contact forms or website chat widget. To receive text updates, users must check an explicit, standalone opt-in checkbox confirming they agree to receive customer service updates, account notifications, and appointment reminders. Text messaging frequency varies based on your loan application status and scheduling needs. Message and data rates may apply. Consent to receive text messages is completely voluntary and is not a condition of purchase or loan approval. You can opt out of text communications at any time by replying STOP. For assistance, you can reply HELP.

Edge Home Finance, LLC does not sell, rent, or share your personal information or lead data with third parties or affiliates for marketing or promotional purposes. No mobile information will be shared with third parties or affiliates for marketing/promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except for aggregators and providers of the Text Message services. We may share your non-SMS financial information with third-party service providers (such as underwriters, appraisers, title companies, and credit bureaus) strictly to assist in processing your loan under rigid confidentiality agreements.

Edge Home Finance, LLC utilizes a secure data platform as our primary CRM and processor. This platform hosts our customer relationship management database, online forms, booking systems, communication pipelines, and automation workflows. All contact data, form completions, and conversation histories are securely processed through this platform to facilitate your client experience.

We use cookies and similar tracking pixels to analyze website traffic, remember your preferences, and improve your browsing experience. You can choose to disable cookies through your individual browser settings, though doing so may impact certain functionalities of our digital forms.

We implement robust administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, alteration, or destruction. These safeguards include data encryption, firewalls, secure servers, and strict internal access controls.

We retain your personal and financial information only for as long as necessary to fulfill the purposes outlined in this policy, service your requests, or comply with federal and state record-keeping compliance rules governing mortgage brokers.

You may request access to the personal information we hold about you and request corrections to any inaccuracies. You have the right to control how we communicate with you by adjusting your notification choices or utilizing our text and email opt-out protocols.

Our services are restricted to individuals over the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a minor under 18, we will take immediate steps to delete it.

Edge Home Finance, LLC reserves the right to update or modify this Privacy Policy at any time. We will notify you of any significant changes by posting the revised policy on our website with an updated "Last Updated" date.

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: Edge Home Finance, LLC Representative: Chad Mullenix (Loan Officer) Email: mullenix@edgehomefinance.com Phone: (512) 657-8017 Address: 5868 Baker Road, Minnetonka, MN 55345