Valley West Mortgage ("we," "us," "our," or "Company") operates the website fhahomeloans.services (the "Website"). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our Website or submit inquiries about FHA and VA home loan products.
By using this Website, you consent to the data practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Website.
When you complete our inquiry forms, we collect:
We automatically collect certain technical information when you visit our Website, including:
We use the following third-party services that collect data about your visit:
IMPORTANT CONSENT NOTICE (TCPA Compliance):
By providing your phone number and submitting an inquiry form on this Website, you expressly consent to receive calls, SMS text messages, and prerecorded messages from Valley West Mortgage at the phone number you provided, including through the use of automated dialing technology. This consent is not required as a condition of purchasing any goods or services. You may revoke this consent at any time by contacting us at 702-696-9900 or [email protected].
We do not sell your personal information to third parties.
We share your information with trusted third-party service providers who assist us with:
These service providers are contractually obligated to protect your information and use it only for the purposes we specify.
We may disclose your information if required by law, court order, subpoena, or government regulation, or if we believe disclosure is necessary to:
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity.
We take the security of your personal information seriously and implement industry-standard security measures, including:
All form submissions are transmitted via secure HTTPS/SSL encryption to protect data in transit
Personal information is stored on secure servers with restricted access controls
Only authorized personnel have access to your personal information
We periodically review our security practices to ensure ongoing protection
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:
You may request deletion of your personal information at any time (see Section 6 for details).
Depending on your location, you may have the following rights regarding your personal information:
If you are a California resident, you have the right to:
To exercise these rights, contact us at 702-696-9900 or [email protected]. We will respond within 45 days of receiving your request.
If you are located in the EEA, you have the right to:
Note: Our Website is primarily intended for U.S. residents. If you are located outside the United States, your information may be transferred to and processed in the United States, where data protection laws may differ from those in your country.
Regardless of location, you may:
Our Website may contain links to third-party websites, including social media platforms and financial service providers. We are not responsible for the privacy practices of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.
Cookies are small text files placed on your device by websites you visit. They help websites remember your preferences and improve your browsing experience.
You can control or disable cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of the Website.
Our Website is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you are under 18, please do not submit any personal information through our Website.
If we become aware that we have inadvertently collected personal information from a minor, we will take steps to delete such information promptly. Parents or guardians who believe we may have collected information from a minor should contact us immediately at 702-696-9900.
We do not sell your financial information, including income, credit score estimates, or loan details, to third parties for monetary compensation.
Any financial information you provide is:
As a mortgage service provider, we comply with the federal Gramm-Leach-Bliley Act (GLBA), which requires financial institutions to protect the privacy of consumer financial information. We provide annual privacy notices as required by law.
Our Website does not currently respond to "Do Not Track" (DNT) browser signals. However, you can control tracking through your browser settings and third-party opt-out tools.
The loan rates, terms, and product information displayed on this Website are for informational purposes only and are subject to change without notice. Actual loan offers may vary based on your individual financial circumstances, creditworthiness, and market conditions. This Website does not constitute a loan commitment or guarantee of approval.
Submitting an inquiry through our Website does not guarantee loan approval or specific loan terms. Final loan approval is subject to underwriting review and verification of your financial information.
Any educational content, calculators, or tools provided on this Website are for general informational purposes only and should not be considered financial or legal advice. Consult with a qualified financial advisor or attorney before making any financial decisions.
We reserve the right to update or modify this Privacy Policy at any time without prior notice. When we make changes, we will update the "Last Updated" date at the top of this page.
We encourage you to review this Privacy Policy periodically
Stay informed about how we collect, use, and protect your information. Your continued use of the Website after changes are posted constitutes your acceptance of the updated Privacy Policy.
Significant changes to this Privacy Policy will be communicated through a prominent notice on our Website or via email (if you have provided your email address).
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
By using this Website and submitting your personal information, you acknowledge that you have read, understood, and agree to this Privacy Policy. You also consent to:
If you do not agree with any part of this Privacy Policy, please discontinue use of the Website immediately.
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