Privacy Policy

We collect the following types of information:

Personal Information

• Name, email address, phone number, physical address
• Financial details you provide in connection with a loan inquiry, pre-qualification, or quote request
• Opt-in records and timestamps for all communication channels (SMS, email, web forms, etc.)

Non-Personal Information

• IP address, browser type, device information
• Website usage patterns and analytics
• Cookies and similar technologies

Customer Communication

• Records of inquiries and service requests
• Appointment details and preferences
• Loan history, correspondence, and feedback

We use collected data for:

• Providing, evaluating, and improving our services
• Processing loan inquiries, applications, and related transactions
• Communicating with you about your inquiries, appointments, loan milestones, and updates
• Enhancing website functionality and user experience
• Ensuring security and fraud prevention
• Maintaining records of your communication preferences and consent

Text Message Program Terms & Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, loan status updates, customer support, and important notices.

Opt-In & Consent

• You will only receive messages if you have explicitly opted in
• We maintain timestamped records of all opt-in actions
• We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-Out Instructions

• You can cancel SMS notifications at any time by replying “STOP”
• You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
• All opt-out requests are processed immediately

Message Frequency & Content

• Message frequency varies based on your interactions with our business
• Messages will be directly related to the services you have requested
• We do not send promotional content without specific consent

Help & Support

• Reply “HELP” for assistance or contact us at edhrealestateagent@gmail.com
• Customer support is available during regular business hours

Carrier Information

• Standard message and data rates may apply
• Carriers are not liable for delayed or undelivered messages
• Supported carriers include AT&T, Verizon, T-Mobile, and most regional carriers

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

We do not sell, rent, or trade personal information. We may share information with:

Service Providers

• Third-party vendors who assist in our operations (e.g., loan processing, document management, appointment scheduling, payment processing)
• SMS aggregators and providers solely for the purpose of delivering messages you have consented to receive
• All service providers are contractually obligated to maintain confidentiality and security

Lending Partners

• With your authorization, we may share information with wholesale lenders and underwriters in order to evaluate, structure, and close a loan on your behalf

Legal Compliance

• If required by law, legal process, or to protect our rights
• In response to valid law enforcement requests or court orders

Business Transfers

• In case of mergers, acquisitions, or sale of assets
• In such cases, your data remains protected under the terms of this policy

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the text message services.

We implement and maintain reasonable security measures to protect your personal information:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication mechanisms
• Regular security assessments and updates
• Employee training on data protection
• Breach notification protocols in accordance with applicable laws
• Secure backup systems and disaster recovery procedures

Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.

We use cookies and similar technologies to:

• Analyze site traffic and user behavior
• Remember your preferences
• Improve website functionality and user experience
• Measure the effectiveness of our services

You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

You have the right to:

• Access, update, or delete your personal information
• Opt out of marketing emails by clicking “unsubscribe” in our emails
• Opt out of SMS messages by replying “STOP”
• Request information on how we process your data
• Withdraw consent at any time for future communications
• Lodge a complaint with a supervisory authority if you believe your rights have been violated

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, the right to delete, the right to correct, and the right to opt out of the sale or sharing of personal information. We do not sell personal information.

To exercise these rights, please contact us using the information in Section 10.

Our website may contain links to third-party websites, including lender portals and partner resources. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by Nosage LLC through this website.

We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.

If you have questions about this Privacy Policy or how your information is handled, contact us at:

Nosage LLC
3133 Arden Way, Sacramento, CA 95825
Phone: (916) 413-3967
Email: edhrealestateagent@gmail.com

By using our website and services, you consent to this Privacy Policy.